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Important Notice: Credit Card Fees Coming in 2024

Any CAP members making payments to CAP by credit card on or after January 1, 2024, will be charged a 3% fee of the amount billed.

The 3% fee will take effect so that the significant costs associated with credit card processing fees are no longer absorbed by CAP and no longer shared as a collective cost by the entire membership, including those who do not use credit cards.

By implementing the 3% fee, CAP can reduce costs to help keep rates for medical malpractice coverage as stable and as affordable as possible.

This fee will apply to any credit card payment made online, or by autopay, mail, phone, or other method. This is now a standard practice among many businesses, merchants, and even medical groups themselves.

In addition to the 3% credit card fee, effective January 1, 2024, CAP will no longer accept payments made by debit card.

Automated Clearing House (ACH) payments using your bank account may be the best method for making individual/one-time payments or automatic payments every month.

Don’t wait until January! To avoid the fee, set up one-time or automatic monthly ACH payments when you log in to your account.

Here’s How:

1. Visit to log in to your CAP account. If you do not have an account, you will need to register to create one at

2. Once logged in, make sure to go paperless if you have not already by selecting the green “Set Up Paperless Billing” button.

3. Select the “Via Email Only” button.

4. Verify your email address and click the “Save Changes” button.

5. Then, simply click on the “Pay CAP Bill” button (agree to the terms and conditions when prompted) and follow the instructions to set up autopay payments by clicking on the “Set Up Autopay Payments” and provide the required information for recurring payments made by ACH.

For assistance with your account, or if you have questions about your membership or the new credit card fee, please call 800-610-6642 or email