Help

dozo lets you pay a bill or invoice by card. You pay dozo by card. We pay the person or business for you.

You must be 18 or over and live in the UK. You need a debit or credit card (see which cards you can use) and a dozo subscription. Before your first payment, we verify your identity.

We ask for your full name, date of birth and home address. You upload two documents:

• a proof of ID: a passport, driving licence or national ID card
• a proof of address: a utility bill, bank statement or council tax letter

Files must be PDF, JPG or PNG, up to 10 MB. A person on our team reviews your documents.

You can pay any payee that has a UK bank account with a sort code and account number. For example: rent, council tax, energy, water, broadband, legal fees and supplier invoices.

We hope to broaden this scope as we grow, but currently, we’re unable to support payments to the following types of companies (the list is not exhaustive):

• Fetish products
• Content: Books, magazines, audio, videos, websites, streaming services and other content formats deemed offensive or of a sexual nature
• Escort services and other services in the adult industry
• Financial service or money service business.
• E-wallet or e-money that can be monetised, re-sold or converted to physical and digital goods and services or otherwise exit the virtual world
• Credit repair and credit protection business
• Buy now pay later / Instalment payment methods
• Bearer share entities and binary options
• Independent or unlicensed financial advisors
• Insurance sales and services (life)
• Money transfer & remittance businesses
• Payroll, invoice & business services
• Provider or seller prepaid access/stored value
• Marketing related services
• Airlines and Cruise Lines
• Cloud storage, VPN, file sharing, (high-risk) cyber lockers
• Animals and wildlife products classified as endangered or protected
• Bail bonds and bankruptcy lawyers
• Bidding fee and penny auctions
• Certain social media business (e.g. click farms)
• Casual dating services
• Direct Marketing – Inbound teleservices, outbound telemarketing and travel-related arrangement services, Insurance services, catalogue merchants, door-to-door sales, multi-level marketing
• Governmental services, such as embassies or consulates
• Hazardous materials (B2B and B2C)
• Intravenous therapy or Medical benefit packages
• Key-entry telecom merchant
• Live-streaming Services with in-app currency and donations
• Mail order spouse or international match-making services
• Pawn shops
• Political, religious or Social Campaigning
• Drugs, and tools specifically intended for the production of drugs, drug paraphernalia, illegal drugs, substances designed to mimic illegal drugs and / or other psychoactive products
• Gambling services
• Products or services specifically offered or intended to be used to create, produce or grow drugs or drug ingredients
• Pharmaceuticals, prescription medicine and medical devices (including animal pharmaceuticals)
• Tobacco, smoking supplies, e-cigarettes, e-liquids, vaping liquid, vaping accessories
• Trade of fireworks, flammable or radioactive materials
• Trade of weapons, ammunitions, military arms, explosive devices and firearm parts
• Cryptocurrency exchange
• High-risk securities, such as contract for difference (CFD), financial spread betting, initial coin offering (ICO), forex currency options, cryptocurrency options, trading and purchases
• Security brokers /investments of any kind including the purchase of securities, currencies, derivatives, commodities, shares, options, precious metals, other financial instruments
• Third-party Payment Processing such as aggregators, aggregators, including but not limited to marketplaces, platforms
• Staged Digital Wallet Operators
• Payment Facilitators or other internet payment or member service providers (IPSP or MPS)
• Payment service companies, including but not limited to peer-to-peer, bill payments, commissary accounts
• Decryption and descrambler products and services, devices designed to block, jam or interfere with cellular and personal communications

You can use any debit or credit card issued in the UK.

From 26 October 2026, you can also use a card issued outside the UK. It has a higher fee. See Does the fee depend on my card?

Until then, we do not accept cards issued outside the UK. If you pay with one of these cards, the payment will not go through.

Each payment can be from £1 to £20,000. From 26 October 2026, each new payment must be at least £100. Your plan also has a monthly limit:

The monthly limit counts the bill amounts that you pay in a calendar month. It does not count the fee. To change your plan, email hello@dozopay.co.

When you add a payee, we check the name and account details with the payee’s bank to ensure it's going to the right place.

You pay a subscription and a fee on each payment.

From 26 October 2026, a card issued outside the UK has a 3.5% fee on either plan.

The fee depends on where your card was issued.

If your card has a higher fee, we show it on the card payment page before we charge you. You can pay the new total or use a different card.

After you create a payment, we show the dozo fee and the total that we will charge your card. You see the same amounts on the card payment page before you pay. We also email you a breakdown.

When you create a payment, you can choose when to send it to the recipient. Your card is charged on payment submission.

The earliest payment-out date that you can choose is 5 days after today (UK time), not counting bank holidays in England and Wales.

The payment-out date is the day that we send the money. The payee’s bank can take longer to reconcile and show it.

Create the payment at least 5 working days before the due date. Weekends and bank holidays may cause delays in reconciliation on the receiver's end. An earlier payment-out date does not make your card payment reach us sooner.

After you pay by card, you cannot change the date in the app. Email hello@dozopay.co.

Open the payment in the app. Look at its status and its payment-out date.

If the status is Processing, we are waiting for your card payment to reach us, waiting for your payment-out date, or paying your payee.

If the due date is close, email hello@dozopay.co with the payee name and amount. We will tell you where the payment is.

After you pay by card, you cannot cancel the payment in the app. Email hello@dozopay.co as soon as possible.

Email hello@dozopay.co. This does not affect your right to raise a chargeback with your card provider, or, if you paid by credit card, your rights under section 75 of the Consumer Credit Act.

Go to Settings in the app. Your plan stays active until the end of the period that you paid for.

You cannot make new payments until the subscription payment succeeds. Update your card in Settings. If the payment still fails after 48 hours, you lose access to your account until you pay.