dozo vs Bluechain for paying supplier invoices by card

dozo and Bluechain 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. Bluechain is built around Visa and Mastercard. dozo takes any UK credit and debit card.

Which should I choose?

• Choose dozo if your card is not Visa or Mastercard. Bluechain accepts other cards only for select supplier partnerships.
• Choose Bluechain if you pay with a UK Visa or Mastercard. It has no monthly plan and no spending cap of its own.
• Choose Bluechain if you want your invoices synced with Xero or Sage.

Switching is probably not worth it if Bluechain already accepts your card.

Paying one £3,000 invoice

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

Step	dozo	Bluechain
1	Add the supplier: name, sort code and account number. dozo checks the name with the supplier’s bank.	Open the invoice that you want to pay.
2	Enter £3,000 and a reference. Attaching the invoice is optional.	Choose your payment method.
3	Choose the payment-out date. The earliest is 5 days after today.	Choose to pay now or on a later date, and in full or in part.
4	Pay £3,075 on the card payment page: £3,000 plus the 2.5% fee on the £29 plan.	Confirm. With the 2.5% fee, your card pays £3,075.
What the supplier gets	£3,000, on or after the date you chose	£3,000, two business days after you pay, or three for a new supplier

Side by side

Checked on 15 October 2026.

	dozo	Bluechain
Cards accepted	Any UK credit and debit card, personal or business. From 26 October 2026, cards from outside the UK at 3.5%.	UK Visa and Mastercard. Other cards only for select supplier partnerships.
Card fee	2.5% on the £29 plan, 2.3% on the £79 plan, with a UK card	2.5% on credit and debit cards
Monthly plan	£29 for up to £10,000 a month, or £79 for up to £150,000	None
Limits	£1 to £20,000 per payment, and at least £100 from 26 October 2026	No cap from Bluechain. Your card limit applies.
When the supplier gets paid	On or after the payment-out date that you choose. The earliest is 5 days after today.	2 business days after you pay, or 3 for a new supplier
Who you can pay	A payee with a UK bank account. Some types of business are excluded.	UK suppliers registered at Companies House, and sole traders after checks
Accounting sync	No	Xero and Sage
Who can sign up	Anyone 18 or over who lives in the UK, after an identity check	Over 18, living in the UK, and owning or working for a registered business

Price of the same invoices

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

Month	dozo	Bluechain
£3,000, as 3 invoices	£29 plan + £75 fee = £104	£75 fee = £75
£20,000, as 10 invoices	£79 plan + £460 fee = £539	£500 fee = £500

With Visa or Mastercard, Bluechain costs less for these invoices, because it has no plan. The cost only matters if both services accept your card.

Where Bluechain is better

• No plan. Bluechain charges only the 2.5% fee.
• Speed. Bluechain pays the supplier in 2 or 3 business days. With dozo, the earliest date is 5 days after today.
• No cap from the service. Your card limit is the only limit. dozo allows up to £20,000 per payment.
• Accounting sync with Xero or Sage.

Switching from Bluechain 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 Bluechain 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 Bluechain for your Visa and Mastercard payments, and use dozo for the cards that Bluechain does not take.

About this comparison

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

See also all five services compared.