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Pay any bill with your credit card.

Pay suppliers, rent, rates and HMRC on your credit card, even if they don't accept cards directly. Extend cashflow and earn card rewards on every payment.

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See how it works

Enterprise? Enquire now →

Bluechain Pay screen on a laptop, showing bills ready for payment
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How paying by card works.

Nothing changes for your supplier. They're paid by bank transfer and you settle your card statement as normal, which could be up to 56 days later.

Step 1

Pay with a credit card

Enter the bill details and pay with your chosen Visa or Mastercard.

Step 2

Supplier receives a bank transfer

We process the payment and securely send funds to your supplier via bank transfer.

Step 3

Improve cashflow and rewards

Leverage your card's interest-free period to improve cashflow and earn card rewards.

Pay just about any UK business
or sole trader.

From HMRC to suppliers, freelancers, tradespeople, professional services and school fees. Pay almost any bill by card, even when cards aren't accepted.

01

Suppliers and wholesalers

See examples →

Suppliers and wholesalers

Pay for stock, supplies, utilities, logistics and distributors.

02

HMRC

See examples →

HMRC

Pay Corporation Tax, Income Tax, VAT, PAYE, NICs, Stamp Duty or any other HMRC payments.

03

Rent

See examples →

Rent

Pay commercial or private rent on properties, equipment, machinery, vehicles or storage.

04

Business rates

See examples →

Business rates

Pay council tax, licences, permits, waste services and other local authority charges.

05

Sole traders

See examples →

Sole traders

Pay freelancers, tradespeople and sub-contractors.

06

Professional services

See examples →

Professional services

Pay accountants and bookkeepers, legal services, advertising and consultants.

Extend cashflow with Bluechain.

Pay your bills on time while keeping funds available in your business until your credit card payment is due.

Day 1
Bill received
Day 30
You pay the bill on card
Day 86
Card statement
Hold onto cash for up to 56 days longer
From our blog7 reasons to pay suppliers by credit card→

Pay by card or Pay by bank.

Pay by card

  • Pay any bill with your credit card, even if they don't accept cards
  • Use any UK-issued Visa or Mastercard
  • Extend cashflow by paying more bills with your credit card
  • Earn card rewards on every bill
See how it works

Pay by bank

Coming soon
  • Pay any bill, inc. payroll, sub-contractors and even your credit card.
  • Manage your entire payment run from one platform
  • Increased security: we confirm payee details and conduct KYB checks
  • Save time with batch payments
Aeroplane wing above the cloudsTemple gate in TokyoColourful clifftop village on the Amalfi Coast, ItalyOverwater villas on a tropical island
Coming soon

Bluechain Rewards Booster.

Soon you'll be able to earn travel rewards on every payment. In addition to your existing credit card rewards, choose to earn points with our travel partners that can be used for flights, hotels, holidays, cruises and more.

Register your interest in travel rewards to be among the first to hear about our launch, receive exclusive introductory offers and get early access opportunities.

Register your interest

Simple pricing, no catches.

No setup fees. No subscriptions. Just straightforward pricing.

Pay by card
2.50%
Sign up for free
Pay by bank
Coming soon
Sign up for free
Over £1m per year
Custom
Contact our enterprise team

Paying bills with a credit card: Frequently asked questions

Find answers to common questions about making payments with Bluechain.

Need more help?
Call us on 01273 805212
Email support@bluechain.com

Getting started
Paying bills
Costs
What is Bluechain?

Bluechain is a UK payments platform that lets you pay bills with a credit card, even when the supplier doesn't accept cards directly. We process your card payment and pay your supplier by bank transfer. Nothing changes for your supplier, but you can extend cashflow and earn your card's rewards on any bill.

Who can sign up, and what do I need?

Any UK business or individual can open a Bluechain account. You must be over 18 and live in the UK, with a UK passport or driving licence, a UK mobile number and a UK-issued Visa or Mastercard. Signing up takes about 5 minutes.

Which cards and accounting software can I use with Bluechain?

Any UK-issued Visa or Mastercard credit or debit card, business or personal. American Express can be used for Sigma payments only. Bluechain also integrates with Xero and Sage (Standard or Plus): unpaid bills sync to your Bluechain dashboard and reconcile automatically once paid.

Is Bluechain safe and regulated?

Yes. Your Bluechain account is protected with multi-factor authentication, and your card details are securely tokenised, so your full card number isn't stored on our platform. Bluechain Payments Ltd is a distributor of Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573) for the issuance of electronic money and payment services.

Who can I pay with Bluechain?

With Bluechain you can pay almost any UK business, sole trader or partnership with a credit card, even if they don't accept card payments. That includes supplier invoices, rent, business rates, council tax, utilities, school fees and HMRC. Pay by bank is coming soon and will allow you to make instant single or batch payments to almost anyone in the UK.

Can I pay HMRC with a credit card?

Yes. With Bluechain you can pay VAT, Corporation Tax, Income Tax, PAYE, NICs and other HMRC bills with a Visa or Mastercard. HMRC receives a bank transfer with your payment reference and you settle your card statement later.

Can I pay Sigma Pharmaceuticals with American Express?

Yes. Bluechain works directly with Sigma Pharmaceuticals, so pharmacies can pay their Sigma statements with any credit card, including American Express (Amex). It's the only way to pay Sigma by Amex: earn your Membership Rewards points and get up to 56 days to settle your card statement. Find out more about paying Sigma by card →

Does my supplier need to do anything?

No. When you pay through Bluechain, your supplier doesn't need to do anything. Bluechain pays them by bank transfer, including your bill reference, allowing them to easily reconcile.

When will my supplier be paid?

Card payments typically reach your supplier within two business days of your card being charged, usually between 2pm and 3pm.

What does Bluechain cost?

Paying by card through Bluechain has a flat fee of 2.50% per payment. Pay by bank is coming soon. There are no setup costs, no subscriptions and no hidden fees.

Is the fee tax deductible?

In most cases the Bluechain fee is an allowable business expense and therefore tax deductible. Always check with your accountant for your specific circumstances.

How does the cashflow benefit work?

When you pay a bill through Bluechain with a credit card you are able to leverage your card's interest-free period on that payment. This means your supplier is paid on time but you hold onto the cash until your card statement is due, which could be up to 56 days later. Timings depend on your card terms and statement cycle date. Read 7 reasons to pay suppliers by credit card →

Do I still earn my card's rewards?

Yes. When Bluechain processes your card payment, you'll earn your card's usual rewards points, cashback or air miles on every bill you pay. Rewards are set by your card issuer, so check your card's terms. Travel rewards, coming soon, will let you earn more on top.

Why people use Bluechain.

Cashflow
Rewards
Efficiency
Growth
“

The reason I use Bluechain is simple: I can pay all wholesalers on time and I don't settle the card statement until we get paid. Cashback covers a good chunk of the fee, so it's also the cheapest way to manage our cashflow. I'd recommend it to anyone looking to do the same.

Customer paying by card at a café counter

Sign up for free today.

No setup fees, no subscription and no changes required for your suppliers. Get started in just five minutes.

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