dozo vs Capital on Tap Bill Pay for paying supplier invoices

Capital on Tap Bill Pay and dozo both pay a supplier when you want to use credit. They work in different ways. Capital on Tap pays from its own credit line, so it works only for Capital on Tap customers. dozo charges a card you already have, any UK credit and debit card, and pays the supplier for you.

Which should I choose?

• Choose Capital on Tap Bill Pay if you already hold a Capital on Tap card, your business is a limited company, and you want the lowest fee.
• Choose dozo if you want to pay with a card that you already hold from another provider, including a charge card.
• Choose dozo if you are a sole trader. Capital on Tap’s card is not available to sole traders.

Switching is probably not worth it if you already have Capital on Tap Bill Pay and your credit limit covers your invoices.

Paying one £3,000 invoice

dozo from our own product. Capital on Tap from its Bill Pay page, checked on 15 October 2026.

Step	dozo	Capital on Tap Bill Pay
Before you start	Sign up, choose a plan and pass the identity check	Hold a Capital on Tap card, join the Bill Pay beta and accept the Bill Pay agreement
1	Add the supplier: name, sort code and account number. dozo checks the name with the supplier’s bank.	Upload a photo of the invoice.
2	Enter £3,000 and a reference. Attaching the invoice is optional.	Check the payment details.
3	Choose the payment-out date. The earliest is 5 days after today.	Pick a date.
4	Pay £3,075 on the card payment page: £3,000 plus the 2.5% fee on the £29 plan.	Pick your fee and confirm: £60 at 2% with £30 cashback, or £30 at 1%.
What the supplier gets	£3,000, on or after the date you chose	£3,000, by the end of the next business day

Side by side

Checked on 15 October 2026.

	dozo	Capital on Tap Bill Pay
Which card pays	Any UK credit and debit card, personal or business. From 26 October 2026, cards from outside the UK at 3.5%.	Your Capital on Tap credit line only
Fee	2.5% on the £29 plan, 2.3% on the £79 plan, with a UK card	2% with 1% cashback, or 1% with none
Monthly plan	£29 for up to £10,000 a month, or £79 for up to £150,000	None for Bill Pay
When the supplier gets paid	On or after the payment-out date that you choose. The earliest is 5 days after today.	By the end of the next business day. Cut-off 4:30pm.
Limits	£1 to £20,000 per payment, and at least £100 from 26 October 2026	Your credit limit
Chargeback	Your card’s own protections apply to the card payment. Ask your card provider.	Capital on Tap says that Bill Pay payments have no chargeback rights
Accounting sync	No	Sage, Xero, QuickBooks, FreeAgent and more
Who can use it	Anyone 18 or over who lives in the UK, after an identity check	Ltd, LLP and PLC companies with a Capital on Tap card. Not sole traders. Beta with a waitlist.

Price of the same invoices

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

Month	dozo	Capital on Tap Bill Pay
£3,000, as 3 invoices	£29 plan + £75 fee = £104	£30 at 1%, or £60 at 2% with £30 back
£20,000, as 10 invoices	£79 plan + £460 fee = £539	£200 at 1%, or £400 at 2% with £200 back

Capital on Tap costs much less. The trade-off is that you must hold its card, qualify for its credit line and get off the waitlist. With dozo, you use a card that you already hold, under that card’s own terms.

Where Capital on Tap is better

• Cost. A 1% net fee, against dozo’s 2.5% or 2.3% plus a plan.
• Speed. Capital on Tap settles by the end of the next business day. With dozo, the earliest date is 5 days after today.
• Accounting sync with Sage, Xero, QuickBooks and FreeAgent.

Switching from Capital on Tap Bill Pay 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. 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.

About this comparison

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

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