Bluechain vs Curve

Bill pay service comparison for UK businesses

Quick answer

Curve is cheaper at From 1.99% per transaction vs 2.5%. Bluechain is best for paying hmrc and tax bills with credit card. Curve is best for personal use and card consolidation.
FeatureBluechainCurve
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.

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

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 Bluechain or Curve cheaper for paying invoices?

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

Does Bluechain accept Amex?

No, Bluechain does not currently accept American Express.

Does Curve accept Amex?

No, Curve does not currently accept American Express.

Can I use Bluechain for business invoices?

Yes, Bluechain supports business accounts.