Curve vs Incredible

Bill pay service comparison for UK businesses

Quick answer

Both charge From 1.99% per transaction. Curve is best for personal use and card consolidation. Incredible is best for lowest fees and broadest card acceptance.
FeatureCurveIncredible
FeeFrom 1.99%1.99%
Accepts Amex
Accepts Visa
Accepts Mastercard
Account typespersonalpersonal, business
Setup feeFree (card required)Free
Max invoiceNot specified£5,000 (increases with usage)

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

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

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 Curve or Incredible cheaper for paying invoices?

Both charge the same fee: From 1.99% per transaction.

Does Curve accept Amex?

No, Curve does not currently accept American Express.

Does Incredible accept Amex?

Yes, Incredible accepts American Express cards.

Can I use Curve for business invoices?

No, Curve only supports personal accounts.