{"id":267503,"date":"2019-11-27T10:41:45","date_gmt":"2019-11-27T10:41:45","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=267503"},"modified":"2026-02-12T07:50:58","modified_gmt":"2026-02-12T07:50:58","slug":"billhop-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/billhop-review","title":{"rendered":"Billhop review"},"content":{"rendered":"<p>Ever wished you could pay the rent, your energy bill or your business invoices by credit card? With Billhop, you can. But you\u2019ll have to do the maths and figure out if it\u2019s worth it.<\/p><h3>Explain Billhop to me in 3 sentences<\/h3><p>Billhop is a service that lets you pay pretty much any kind of bill or invoice using your credit card. In exchange for a fee, you can take advantage of your card\u2019s interest free days and earn points and rewards on your spending. It\u2019s meant for those times when credit cards aren\u2019t accepted as a payment method, but you\u2019d still like to use yours.<\/p><h3>How does Billhop work?<\/h3><ul class=\"list-10\"><li><strong>Sign up.<\/strong> You\u2019ll need to fill in a form with your personal details, which shouldn\u2019t take more than a couple of minutes. You won\u2019t be credit checked.<\/li><li><strong>Add your invoices\/bills.<\/strong> You\u2019ll need the recipient\u2019s account number, the amount and the invoice reference number.<\/li><li><strong>Pay with your credit card.<\/strong> You can also save your credit card details directly into Billhop, so you don\u2019t have to add them every time. The payment will reach the recipient within four working days.<\/li><li><strong>There\u2019s a 2.95% fee on every transaction.<\/strong> This is the catch. For example, if you pay \u00a3100 through Billhop, you will be charged \u00a3102.95. You\u2019ll have to consider whether the benefits of paying with your credit card outweigh the costs.<\/li><li><strong>Set recurring payments for your regular bills.<\/strong> Or schedule your payments in advance. The great advantage of direct debits is that you don\u2019t need to remember to pay every month. Recurring payments on Billhop serve the same purpose, even though they\u2019re only helpful when your bill\u2019s amount always stays the same.<\/li><\/ul><h3>Can I use Billhop with my business credit card? How does that work?<\/h3><p>You 100% can. As a business, you\u2019re actually more likely to be able to make the most of Billhop. Many suppliers don\u2019t take credit cards, which can be a serious problem if you want to use yours to improve your cash flow or earn more rewards.<\/p><p>Depending on your credit card\u2019s terms, using it can give you up to 56 days interest free, which makes it a very convenient way of borrowing for the short term. Some suppliers might also offer you a discount if you pay early.<\/p><p>If you decide to use Billhop for your business, things work pretty much the same way. You\u2019ll need to sign up to Billhop as a business using your company details. You\u2019ll then be able to use your business credit card to pay your invoices. The fee is also the same as for personal payments \u2013 2.95% of the transaction\u2019s amount.<\/p><h3>Should I use Billhop?<\/h3><p>As we said, you\u2019ll need to calculate whether using Billhop is worth the fee. Much will depend on the benefits your credit card offers. Start by considering the following factors:<\/p><ul class=\"list-10\"><li><strong>Points.<\/strong> If your credit card earns points, cashback or air miles, using Billhop can allow you to earn them more quickly. However, Billhop\u2019s fee makes it an expensive way of buying points. Even top credit cards don\u2019t usually offer more than 1% (or very occasionally 2%) back, so it won\u2019t normally be worth using Billhop just to earn more points. However, things could be different if you\u2019re trying to reach the minimum spend you need to get a point bonus. Some Amex cards, for example, tie their juicy introductory bonuses to a certain minimum spent in the first three months.<\/li><li><strong>Credit.<\/strong> If points by themselves will hardly make Billhop worth it, coupled with the ability to spread the cost of an expense, they can make using Billhop a solid idea. Using your credit card gives you extra time to pay without charging interest (as long as you pay it back before the interest free days are over). This is especially true if your credit card offers a 0% deal on purchases.<\/li><li><strong>What else could you use your credit card for?<\/strong> If you feel like you\u2019re not taking full advantage of your credit card, try thinking about what you could use it for without Billhop first. There are plenty of places that will accept it for free. For example, could you use it more often to pay for your grocery shopping? Also, some energy providers will actually take it, and most councils will accept it as a payment method for council tax.<\/li><li><strong>Credit limit.<\/strong> The ability to use your credit card for pretty much any kind of expense may encourage people to overspend. Try not to come too close to your credit limit (it can impact your credit score) and avoid going beyond it at all costs.<\/li><\/ul><h3>Pros and cons of Billhop<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>It allows you to pay by credit card even when it isn't an accepted payment method.<\/li>\n                                    <li>Quick and easy to sign up to and use.<\/li>\n                                    <li>If you have a rewards credit card, you can earn points, cashback or air miles more quickly.<\/li>\n                                    <li>It buys you extra time to pay an expense back, especially if you have a 0% deal.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Using Billhop comes with a 2.95% fee.<\/li>\n                                    <li>Direct debits can be more practical, especially if your bill's amount changes every month.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Billhop customer reviews<\/h3><p>Billhop has received positive reviews overall from customers, according to review platforms like Trustpilot. It currently has a \u201cgreat\u201d Trustpilot rating, with a score of 3.9 out of 5, based on more than 180 reviews (updated October 2023). Many customers suggested Billhop had good customer service and was easy to use.<\/p><h3>Customer support information<\/h3><p>If you have any queries or need support, you can contact Billhop using the online contact form on its website. Alternatively, you can drop its customer support team an email at help@billhop.com.<\/p><h3>Our verdict<\/h3><p>Using Billhop can earn you credit card points faster and buy you more time to pay back an expense, but it comes at a cost. Check if there\u2019s any other expense you could put on your credit card for free first.<\/p>                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is Billhop safe?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>For credit card payments, Billhop uses the same security procedures as most e-commerce sites. Traffic is encrypted, and the first time you use a credit card, you\u2019ll usually be asked to enter your password or insert a code sent to your phone (this depends on which network your credit card is on). <\/p><p>After the first time, you can decide to save your credit card details in Billhop. If you do, make sure you protect your Billhop account with a strong password.<\/p><p> <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I use Billhop to pay my HMRC bill?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, you can. HMRC stopped accepting personal credit cards as a payment method in 2018, but you can still use Billhop to pay your Self Assessment tax bill or any other kind of HMRC bill.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Will Billhop do a credit check when I sign up?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">No, it won\u2019t. Your credit card provider has already taken care of that. Billhop is just a payment portal. You won\u2019t be borrowing money from it in any way, so it doesn\u2019t need to check your credit history. <\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">What bills can I pay with Billhop?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Most of the bills you can think of, really, but there are a few exceptions. For obvious reasons, you can\u2019t pay another credit card\u2019s bill or a debt collector. You can\u2019t use Billhop to pay cryptocurrency companies, currency exchange companies or gambling companies. You also can\u2019t use Billhop to transfer money between your own accounts or to another private individual. Finally, there are additional restrictions if your credit card is an Amex \u2013 you can read about them <a href=\"https:\/\/billhop.com\/gb\/how-billhop-works\/\" target=\"_blank\" rel=\"noopener noreferrer\">on this page<\/a>. <\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Earn more reward points and get more time to pay your bills with Billhop, a service that lets you pay by credit card even when you (theoretically) can&#8217;t.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2112],"tags":[],"asset_tag":[],"class_list":["post-267503","post","type-post","status-publish","format-standard","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Billhop review - Finder UK<\/title>\n<meta name=\"description\" content=\"Billhop lets you pay your bills by credit card even when it isn&#039;t an accepted payment method. But is it worth the fee?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/billhop-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Billhop review\" \/>\n<meta property=\"og:description\" content=\"Billhop lets you pay your bills by credit card even when it isn&#039;t an accepted payment method. 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