Capital on Tap vs PayItMonthly: most-reported complaints compared
Most-reported issues at Capital on Tap and PayItMonthly, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
Capital on Tap
TrustScore 4.6 · 18,540 reviews on Trustpilot.
369 reviews analysed, 2026-06-19 to 2026-09-23.
Complaint rate (recent window): 16%
94% of negative reviews get a company reply.
“take you through poor customer services support on hours with varying versions”
PayItMonthly
TrustScore 4.7 · 4,208 reviews on Trustpilot.
299 reviews analysed, 2024-07-11 to 2026-09-17.
Complaint rate (recent window): 7%
67% of negative reviews get a company reply.
“They refused to pause or investigate the issue, and instead just point you back to the retailer”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Capital on Tap | PayItMonthly |
|---|---|---|
| Support unhelpful | 38% | 22% |
| Other | 14% | 22% |
| Misleading pricing | 10% | 11% |
| Overcharging | 9% | 13% |
| Billing errors | 7% | 19% |
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, Capital on Tap or PayItMonthly.