dozo vs Xero bill payments for paying supplier invoices by card

Xero bill payments let you pay a supplier’s bill by card without leaving Xero. dozo is a separate service that pays a supplier for you when you pay by card. In both cases the supplier does not need to take cards. Xero takes Visa and Mastercard only. dozo takes any UK credit and debit card.

Which should I choose?

• Choose dozo if your card is not Visa or Mastercard. Xero says that only Visa and Mastercard are supported.
• Choose dozo if you want a lower card fee. dozo charges 2.5% or 2.3% with a UK card. Xero charges 2.9%, at least £2.50.
• Choose Xero bill payments if you already use Xero, pay with Visa or Mastercard, and want the payment and its fee in your books without typing them in.

Switching is probably not worth it if you pay only a few small bills by Visa or Mastercard and value having them inside Xero.

Paying one £3,000 invoice

dozo from our own product. Xero from its bill payments FAQ, checked on 15 October 2026.

Step	dozo	Xero bill payments
1	Add the supplier: name, sort code and account number. dozo checks the name with the supplier’s bank.	Select the bill in Xero and choose to make a payment.
2	Enter £3,000 and a reference. Attaching the invoice is optional.	Choose to make an online payment.
3	Choose the payment-out date. The earliest is 5 days after today.	Choose a saved card, or add a card and authorise it through Crezco.
4	Pay £3,075 on the card payment page: £3,000 plus the 2.5% fee on the £29 plan.	Authenticate and pay. With the 2.9% fee, your card pays £3,087.
What the supplier gets	£3,000, on or after the date you chose	£3,000, the next working day, typically by 2pm

Side by side

Checked on 15 October 2026.

	dozo	Xero bill payments
Cards accepted	Any UK credit and debit card, personal or business. From 26 October 2026, cards from outside the UK at 3.5%.	Visa and Mastercard only, for domestic GBP bills
Card fee	2.5% on the £29 plan, 2.3% on the £79 plan, with a UK card	2.9%, at least £2.50
Monthly plan	£29 for up to £10,000 a month, or £79 for up to £150,000	A Xero plan. Ignite costs £18 a month plus VAT.
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, typically by 2pm
Choose a future date	Yes, you choose the payment-out date	No, card payments cannot be scheduled in advance
Limits	£1 to £20,000 per payment, and at least £100 from 26 October 2026	Not stated for card payments
Accounting	No connection. You record the payment yourself.	Inside Xero
Before your first card payment	Identity check, reviewed by a person on the dozo team	Set up bill payments by bank transfer first. Crezco checks can take up to 3 business days.

Price of the same invoices

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

Month	dozo	Xero bill payments
£3,000, as 3 invoices	£29 plan + £75 fee = £104	Ignite £18 plus VAT + £87 fee = £105 plus VAT
£20,000, as 10 invoices	£79 plan + £460 fee = £539	Ignite £18 plus VAT + £580 fee = £598 plus VAT

If you already pay for Xero for your accounts, its plan is not an extra cost. Then Xero costs £87 against dozo’s £104 for the smaller month, and £580 against £539 for the larger one. dozo’s lower card fee saves more as your invoices grow.

Where Xero bill payments are better

• Speed. Xero pays the supplier the next working day. With dozo, the earliest date is 5 days after today.
• Your books. Xero records the payment and the fee for you. dozo does not connect to accounting software.
• No new account, if you already use Xero.

Switching from Xero bill payments 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 Xero. 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. Record each payment in Xero yourself, with the card fee as a separate cost.
5. Make one small test payment first, with a payment-out date before the invoice is due.

You can keep Xero for your accounts and its bill payments, and use dozo for the cards that Xero does not take.

About this comparison

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

See also all five services compared.