Apron vs Curve

Bill pay service comparison for UK businesses

Quick answer

Curve is cheaper at From 1.99% per transaction vs 2.5%. Apron is best for accounting integration and batch payments. Curve is best for personal use and card consolidation.
FeatureApronCurve
Fee2.5%From 1.99%
Accepts Amex
Accepts Visa
Accepts Mastercard
Account typesbusinesspersonal
Setup feeFreeFree (card required)
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

Curve

Card consolidation app that also offers bill pay for personal accounts. Not designed for business use. Amex not accepted.

FeeFrom 1.99%
AmexNo
Accountspersonal

Key features

  • • Works globally
  • • Combine multiple cards into one
  • • Go Back in Time feature
  • • Anti-embarrassment mode

Drawbacks

  • • Personal accounts only — no business
  • • No Amex support
  • • Not purpose-built for invoice payments
Visit Curve

FAQ

Is Apron or Curve cheaper for paying invoices?

Curve is cheaper at From 1.99% per transaction compared to Apron at 2.5%.

Does Apron accept Amex?

No, Apron does not currently accept American Express.

Does Curve accept Amex?

No, Curve does not currently accept American Express.

Can I use Apron for business invoices?

Yes, Apron supports business accounts.