Flexibility and rewards through your credit card

With Billhop you can pay bills using your debit or credit card. For a set service fee of 2.95% you can start paying bills from rent to utilities, tuition, council tax and more!

Create a free account

Why use Billhop?

Handle unexpected expenses

Extend your payment window via the interest-free days of your credit card. Even out your cash expenses and avoid taking out additional small loans. Your only cost is Billhop's fee for the transaction.

An alert showing an upcoming payment

Earn bonus points and rewards

Collect bonus points, discounts and other rewards connected to your credit card, simply by paying your bills. Contact your card issuer to find out what benefits you're entitled to.

Earn bonus points when paying your bills

Get started

Step 1

An icon showing a new Billhop user

Create a free Billhop account

Step 2

An icon showing you adding an invoice

Add your bill and payment details

Step 3

Credit card icon

Pay with any debit or credit card

Get to know Billhop

How does Billhop work?

Billhop is an online payment service that lets you pay your bills using the debit or credit card of your choice.

We don't require your end recipient or supplier to accept card payments or sign up to our service themselves. This means that a Billhop account lets you use your credit cards to pay bills that don't typically accept cards as payment.

Simply add your bill details, register a card and confirm the payment date. Your credit card will be charged and the funds will arrive in your recipient's account in 2-4 business days (depending on your card).

How do I get started with Billhop?

You can choose to register for either a personal or business account. Creating an account is completely free and only requires a few minutes of your time.

Make sure you have photos that can verify your identity. This can be a picture of your National ID, passport or driving license. You will also need a proof of address on hand. Please note that we require two distinct documents - one to verify your identity and another to confirm your address.

Once you have created your account, you can begin making payments. For a step-by-step guide on how to add and make payments on your Billhop account, please click here.

Which credit cards can I use with Billhop?

You can use any Visa, Mastercard, Diners Club or American Express card, just like you would any online purchase.

It's worth noting that American Express may require direct approval if you plan to make a particularly large payment that deviates from your normal spending patterns. If a payment is initially declined, it is important that you contact their customer service directly.

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).

How much does Billhop cost?

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.

View more FAQs

Billhop is a payment institution that is regulated by and operates under the supervision of the Financial Conduct Authority (FCA) through the Temporary Passport Regime (FNR 748529). Billhop upholds industry best-in-class security standards including 2FA and issuer security solutions such as 3DS. All client funds are safeguarded through standard client funds account setup.