Pay Suppliers with Credit Cards: Boost Business Rewards with Apron

Apron is a UK-based fintech platform designed for small and medium-sized businesses, including sole traders, LLPs, and limited companies, to streamline financial operations. Founded in 2021 and FCA accredited, it helps over 10,000 businesses automate accounts payable, manage expenses, and improve cash flow. Its core offering, particularly appealing to points-savvy business owners, is enabling credit card payments for all supplier invoices, even if the supplier doesn't typically accept cards or only accepts Visa/Mastercard, thus allowing American Express usage.

The process is straightforward: businesses sign up for a free “Go Plan,” enter supplier details or upload invoices, and select “Pay by credit card.” Apron then charges the user's credit card and transfers the funds to the supplier, who receives payment in the business's name by 2 pm the next day. A key benefit is the ability to maximise credit card reward points, accelerate earning towards sign-up bonuses or annual spend vouchers, and improve cash flow due to the credit card's grace period.

While the “Go Plan” for credit card payments is free to join, a flat 2.9% fee is applied to each transaction, irrespective of the card type (Amex, Visa, Mastercard). This fee is a business expense, which can reduce the net cost. Businesses must evaluate if the value of earned points, bonus achievements, and cash flow benefits outweigh this transaction fee, considering their individual tax situation. Beyond credit card invoice payments, Apron also offers comprehensive Bill Pay features with accounting software integration (Xero, QuickBooks), an expense management solution via the Apron Card for employee spending, and international payments at real exchange rates. Apron is strictly for businesses, ensuring compliance and tailored services.

(Source: https://www.headforpoints.com/2025/11/06/apron-credit-card-bill-payments/)