Finance your working capital. Leverage your credit line.

Combat liquidity shortages by making the most out of your pre-approved credit line. For a set service fee of 2.95%, you can unlock the hidden value of your credit card.

Create a free business account

Access your untapped working capital

Reduce the time between cash payables and receivables by taking full advantage of your credit card float.

Extend your payment time by leveraging up to 56 days of your card's interest free grace period.

Free up your cash flow by preserving cash until your card bill is due.

Bridge liquidity gaps without having to chase for payments. This will ultimately help foster strong consumer-supplier relations.

Negotiate early payment discounts when you pay your suppliers on time.

Enjoy the ease and convenience of card payments.

Fostering a positive cash flow

Did you know that two out of three small businesses worldwide struggle with effective cash flow management? In fact, around 50 percent of small businesses are unable to keep their doors open past the five year mark.

One of the most cited reasons by business owners for seeing red on the balance sheet is the never-ending race to reduce the time between cash payables and receivables.

With Billhop, you can pay any supplier invoice with your preferred credit card and get paid from customers before your card bill is due. Your bottom line remains intact without having to apply for loans with high interest rates.

Improve your working capital today
Business graphs

Why choose Billhop?


No supplier onboarding required

Save valuable time and resources by eliminating lengthy onboarding processes. Billhop will pay all your suppliers via bank transfer so they do not need to sign up for billhop or make any changes to their existing accounts receivable systems.

Balance sheet

Frictionless reconciliation and reporting

All payments made through Billhop will be reflected on your card statement. On top of consolidating all your due payments into a single billing cycle, the robust payment details provided by credit cards in real-time can give a much needed boost to your accounts payable and reconciliation processes.

Earn bonus points on your credit card

Maximise points and earn cash-back

By centralising all your payments and expenses into a single card, you can easily accumulate points and and get rewarded for your spendings when you charge all your business expenses to your preferred credit card. Easily scale the credit card tier list and upgrade flight tickets for your next trip abroad. Turn your spendings into earnings with Billhop today!

Want to know more?

How much does Billhop charge?

Billhop’s pricing is simple and transparent. We charge a small service fee of 2.95% on each transaction amount.

For instance, if you have an invoice of £100 that you would like to pay through Billhop, you will be billed a total of £102.95, after our service fee of 2.95% has been included.

There are no additional costs associated with having a Billhop account and we do not charge a subscription fee or have any hidden upgrades. Our service fee covers all the costs of processing and handling your card payments.

Registration is completely free.

Is Billhop secure?

Yes. We use industry-standard security technologies, procedures, and best practices to protect our customers and our services. In addition to developing our proprietary systems and processes to validate, execute and follow up on every bill payment, we employ external security specialists who continuously monitor and stress test our service. We do not store any card numbers and encrypt all user information.

Furthermore, our money laundering reporting officer, compliance team, and risk team ensure that we continue to meet the statutory requirements under the directive from the Swedish FSA.

As a Payment Institute, we are licensed by and under the supervision of the Swedish Financial Supervisory Authority (Finansinspektion).

When will my invoice be paid?

Once it has been approved, your invoice will be paid on the due date that you have selected when you made your payment.

The earliest that Visa, Mastercard and Diners card payments can be paid out to your recipient is 2 business days from the date of payment while American Express card payments will reach your recipient 4 business days from the date of payment.

Please note that weekends and bank holidays are considered non-business days and should be accounted for in your planning.

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