Apron vs Incredible

Bill pay service comparison for UK businesses

Quick answer

Incredible is cheaper at 1.99% per transaction vs 2.5%. Incredible also accepts Amex, which Apron doesn't. Apron is best for accounting integration and batch payments. Incredible is best for lowest fees and broadest card acceptance.
FeatureApronIncredible
Fee2.5%1.99%
Accepts Amex
Accepts Visa
Accepts Mastercard
Account typesbusinesspersonal, business
Setup feeFreeFree
Max invoiceNot specified£5,000 (increases with usage)

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
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Incredible

Focused credit card bill pay service with the lowest fees in the UK. Accepts all major credit cards including Amex, no credit checks, and instant setup.

Fee1.99%
AmexYes
Accountspersonal, business

Key features

  • • Lowest fees on market (from 1.99%)
  • • Accepts all UK credit cards including Amex
  • • No credit checks
  • • Instant setup

Drawbacks

  • • £5k per-invoice limit initially
  • • Relatively new service
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FAQ

Is Apron or Incredible cheaper for paying invoices?

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

Does Apron accept Amex?

No, Apron does not currently accept American Express.

Does Incredible accept Amex?

Yes, Incredible accepts American Express cards.

Can I use Apron for business invoices?

Yes, Apron supports business accounts.