dozo vs Apron for paying supplier invoices by card

dozo and Apron do the same main job. You pay a supplier’s invoice by card, and the service pays the supplier for you. The supplier does not need to take cards. The difference is which cards each one takes, and how fast the supplier gets paid. dozo takes any UK credit and debit card.

Which should I choose?

• Choose dozo if your card is not Visa or Mastercard, or if you want the same fee on any UK credit and debit card, business or personal.
• Choose Apron if you pay with Visa or Mastercard and need the supplier paid the next working day.
• Choose Apron if you pay only a few invoices a month and want no monthly plan, or want your bills synced with Xero or QuickBooks.

Switching is probably not worth it if Apron already accepts your card and your supplier is paid on time.

Paying one £3,000 invoice

dozo from our own product. Apron from its help pages, checked on 15 October 2026.

Step	dozo	Apron
1	Add the supplier: name, sort code and account number. dozo checks the name with the supplier’s bank.	Add the bill: upload it, sync it from Xero or QuickBooks, or enter it.
2	Enter £3,000 and a reference. Attaching the invoice is optional.	Select the bill and check the supplier, amount and date.
3	Choose the payment-out date. The earliest is 5 days after today.	Choose Card, and add a card if none is saved.
4	Pay £3,075 on the card payment page: £3,000 plus the 2.5% fee on the £29 plan.	Check the fee on screen and authorise. With the 2.5% fee, that is £3,075.
What the supplier gets	£3,000, on or after the date you chose	£3,000, the next working day at about 2pm, if you pay before midnight UTC

Side by side

Checked on 15 October 2026.

	dozo	Apron
Cards accepted	Any UK credit and debit card, personal or business. From 26 October 2026, cards from outside the UK at 3.5%.	Cards from the UK, the US and Singapore. One more charge-card brand for selected customers only.
Charge cards	Accepted at the plan’s card fee	Selected customers only, business or corporate cards only, and not for tax, payroll or payments to individuals
Business debit cards	Accepted	Apron’s setup page says they are not supported. Another Apron page says that you can pay by debit or credit card.
Card fee	2.5% on the £29 plan, 2.3% on the £79 plan, with a UK card	2.5% on every plan. Optional rewards rates of 1.6% or 2.9% go on top.
Monthly plan	£29 for up to £10,000 a month, or £79 for up to £150,000	Go is free, Essential £29 and Pro £49. Max at £99 from 1 December 2026.
Payments included	Within the monthly limit of £10,000 or £150,000	5, 50 or 100 supplier payments, then £1.20, £0.80 or £0.50 each
When the supplier gets paid	On or after the payment-out date that you choose. The earliest is 5 days after today.	The next working day at about 2pm
Accounting sync	No	Xero and QuickBooks
Who can sign up	Anyone 18 or over who lives in the UK, after an identity check	UK-registered businesses, after checks on directors and owners

Price of the same invoices

Apron from its website on 15 October 2026. dozo with a UK card.

Month	dozo	Apron
£3,000, as 3 invoices	£29 plan + £75 fee = £104	Go plan + £75 fee = £75
£20,000, as 10 invoices	£79 plan + £460 fee = £539	Go plan + £500 fee + 5 extra payments at £1.20 = £506

With Visa or Mastercard, Apron costs less for these invoices. These totals assume that Apron counts each invoice as one supplier payment.

Where Apron is better

• Speed. Apron pays the supplier the next working day. With dozo, the earliest date is 5 days after today.
• Cost for a few invoices. Apron’s Go plan is free. dozo has no free plan.
• Accounting sync. Apron syncs bills with Xero and QuickBooks. dozo does not connect to accounting software.

Switching from Apron to dozo

1. Sign up and choose a plan. £29 a month covers up to £10,000 of payments a month, and £79 covers up to £150,000.
2. Pass the identity check. You upload a passport, driving licence or national ID card, and a proof of address. A person on the dozo team reviews them.
3. Add each supplier. You enter the details yourself. dozo does not import them from Apron or from your accounting software. A close match or no match on the name check stops the payment. If the check cannot run, you can accept that and continue.
4. Make one small test payment first, with a payment-out date before the invoice is due.

You can keep Apron for the payments it handles well, and use dozo for the card that Apron does not take.

About this comparison

Prepared by the dozo team. Facts checked on 15 October 2026 from Apron’s own pricing and help pages, listed under Sources. We update this page when Apron changes its prices or cards.

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