Bluechain 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 Bluechain doesn't. Bluechain is best for paying hmrc and tax bills with credit card. Incredible is best for lowest fees and broadest card acceptance.
FeatureBluechainIncredible
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.

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

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
Visit Incredible

FAQ

Is Bluechain or Incredible cheaper for paying invoices?

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

Does Bluechain accept Amex?

No, Bluechain does not currently accept American Express.

Does Incredible accept Amex?

Yes, Incredible accepts American Express cards.

Can I use Bluechain for business invoices?

Yes, Bluechain supports business accounts.