What are my available payment methods?

Find information on the payment methods available on Netcapital below. You must have verified your account in order to make a payment on Netcapital.

Your account must be verified for us to process transactions on Netcapital. You will be notified via email if we need additional information or if your account is verified. Once your account is verified, we estimate the following timelines:  


Funding Your Wallet Ahead: 3-5 Business Days 

You can choose to deposit funds into your account ahead of investing. These funds will be held in your Netcapital account's Wallet. Depositing funds into the Wallet is optional. You do not have to fund your Wallet in order to make an investment commitment on Netcapital. Depositing funds allows you to have funds readily available to make an investment commitment in the future. To fund your Wallet, you can make a wire transfer. If you are located in the U.S., you also have the option to fund your Wallet with a direct bank transfer. After account set-up and verification, funding your wallet takes about 3-5 business days. 

If you do not want to hold funds for future investments in your Wallet, you can instead choose from the other payment methods below during the checkout process. 


Credit/Debit Cards: Charged Immediately

Your card will generally be charged immediately following the submission of your investment commitment. Additionally, you will be charged a non-refundable card transaction fee of approximately 3% of your total investment. This fee will not be returned if your investment commitment is withdrawn.

The name that will appear on your billing statement will read "NETCAPITAL–" followed by the first 10 characters of the name of the company. For example: "NETCAPITAL–COMPANYINC" 


Wire Transfer:  Transfers in 3-5 Business Days

If you choose to make an investment commitment by wire, Netcapital will send you a unique identifier code, or wire payment code. Please include this unique identifier code as the payment description when giving your bank your wire instructions. This code will help us identify, track and apply your wire accurately to your account. If this code is not included, there is no guarantee we will be able to track your payment. Your payment may be lost or your investment commitment may be delayed or not processed in time to allow you to invest in your selected investment on Netcapital.

Some banks charge a fee for wire transfers. Please be sure to talk to your banking institution about any fees involved to ensure they are included in the total amount of your payment and that the full amount of your investment commitment is available for investment.

For example, if you are making an investment of $500 in a company via wire transfer and your bank charges a wire transfer fee of $25, you must transfer $525 (your $500 investment target plus the $25 wire transfer fee paid to your bank). 


ACH (Direct Transfer): Transfers in 3-5 Business Days

If you are an investor located in the U.S., you can choose to fund your investment commitment with an ACH payment, or a direct transfer from your bank. There are no additional fees charged by Netcapital for this payment method. Funds are typically debited from your bank account a few days after you invest.

For investors based outside of the US, we accept payment by credit card and wire transfer.