Apron vs Bluechain

Bill pay service comparison for UK businesses

Quick answer

Both charge 2.5% per transaction. Apron is best for accounting integration and batch payments. Bluechain is best for paying hmrc and tax bills with credit card.
FeatureApronBluechain
Fee2.5%2.5%
Accepts Amex
Accepts Visa
Accepts Mastercard
Account typesbusinessbusiness
Setup feeFreeFree
Max invoiceNot specifiedNot specified

Data last verified March 2026. Check provider websites for the latest terms.

Apron

Business payments platform with built-in accounting integrations. Pay suppliers by card even when they don't accept it. Amex temporarily unavailable.

Fee2.5%
AmexNo
Accountsbusiness

Key features

  • • Built-in accounting integrations (Xero, QuickBooks)
  • • Batch payment support
  • • Supplier management tools
  • • Automatic reconciliation

Drawbacks

  • • Higher fees (2.5%)
  • • Amex temporarily suspended
  • • Business accounts only
Visit Apron

Bluechain

Established UK bill pay service for businesses. Lets you pay invoices and HMRC with Visa or Mastercard. Dropped Amex support in 2025.

Fee2.5%
AmexNo
Accountsbusiness

Key features

  • • Pay HMRC with credit card
  • • Visa and Mastercard accepted
  • • Business-focused platform
  • • Established player in UK market

Drawbacks

  • • Higher fees (2.5%)
  • • No Amex support (dropped May 2025)
  • • Business accounts only
Visit Bluechain

FAQ

Is Apron or Bluechain cheaper for paying invoices?

Both charge the same fee: 2.5% per transaction.

Does Apron accept Amex?

No, Apron does not currently accept American Express.

Does Bluechain accept Amex?

No, Bluechain does not currently accept American Express.

Can I use Apron for business invoices?

Yes, Apron supports business accounts.