What Bluechain does

Bluechain is a UK-based B2B payment orchestration platform founded in 2015 that enables businesses to pay any supplier using a Visa or Mastercard credit card even when the supplier does not accept cards directly. The platform charges the buyer's card and remits a standard bank transfer to the supplier within two business days, leveraging a patented Request-to-Pay security architecture in which payment data never transits externally. Native API integrations with Xero and Sage automatically ingest unpaid invoices and reconcile payments back into the accounting ledger, with mobile apps (iOS and Android) and a scan-to-pay feature (automated extraction of invoice data from photographs or email attachments) extending the workflow to on-the-go use. The company is an official partner of Visa Europe's BPSP programme, operates as a registered distributor of the FCA-authorised Modulr FS Limited, and runs a parallel Australian entity.

Monetisation is purely transactional: Bluechain charges a 2.5% convenience fee per card payment (temporarily reduced to a promotional 2.3% from 16 May 2025), with no subscription, monthly minimum or sign-up fee, and a freemium self-serve onboarding flow via web portal and mobile app. The product-led model is supplemented by an inside-sales "Speak to an Expert" motion for mid-market and enterprise prospects, plus ecosystem-driven distribution through Visa's commercial card infrastructure, Xero and Sage app ecosystems, and an embedded Fundably financing button. The primary customer base is UK small and medium-sized enterprises using the platform to manage the cashflow mismatch between slow customer payments and standard supplier due dates; secondary segments include UK households paying recurring bills, finance teams at growing businesses, and targeted verticals (construction, freight, hospitality, wholesale distribution) accessed via the Visa partnership. The company operates across the UK and Australia through Bluechain International Ltd, Bluechain Payments Limited, and Bluechain Pty Ltd, and is led by co-founder and CEO Tim Annis. Disclosed cumulative metrics on the company website are transactional — £160m+ in invoice value settled, 32,500+ invoices received, and 4,760+ suppliers paid — rather than revenue or financial KPIs.

Name

Bluechain

Legal name

Bluechain International LTD

Website

https://bluechain.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Bluechain is a UK-based B2B payment orchestration platform that lets SMEs pay any supplier by Visa or Mastercard credit card — even when the supplier does not accept cards directly — charging a per-transaction convenience fee and serving UK and Australian markets.

Ownership category

akta.pro rank

Product category

B2B Payment Orchestration Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Sales Financing (522220)

SIC

Miscellaneous Business Credit Institution (6159), Finance Services (6199)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industries

BNPL Card / Virtual Card Programs (FSAKACAC), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL)

Keywords

• B2B payment orchestration
• Supplier card payments
• Accounts payable automation
• Cashflow management platform
• Accounting reconciliation software

Headquarters

HQ city

Maidenhead

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Payment Convenience Fees: Bluechain charges a convenience fee on each payment made through the platform. The standard rate is 2.5% for credit cards and 2.5% for debit cards. There is no sign-up, subscription, or monthly cost. Cross-border and bank payment options are listed as coming soon. A limited-time promotional rate of 2.3% was introduced from 16 May 2025.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Bluechain is a B2B payment orchestration platform that enables businesses to pay any UK supplier with a Visa or Mastercard credit or debit card, even when the supplier does not accept cards directly. The user's card is charged by Bluechain and the supplier receives a standard bank transfer within two business days, with automated reconciliation back into Xero or Sage accounting software. The platform is sold on a freemium, pay-as-you-go basis with a per-transaction convenience fee of 2.5% (temporarily 2.3%).

Product overview

Bluechain is a B2B payment orchestration platform consisting of a core platform, mobile app (iOS/Android), and web portal. The platform enables businesses to pay any supplier with a credit card even when suppliers don't accept cards by charging the user's card and paying suppliers via bank transfer. Core features include the patented Request to Pay security technology, eCard virtual payment system, scan-to-pay invoice capture, and automated reconciliation with Xero and Sage accounting software. Users can schedule and split payments, earn rewards, and access up to 56 days cashflow headroom.

Differentiator

Problem solved

Functional benefit

Products and services

• Bluechain Platform

Quantifiable outcome

• Up to 86 days of cashflow headroom (30-day invoice + 56-day card interest-free period) when scheduling payments on due date and settling card in full on time
• +4 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Visa EuropecoreStrategic or Co-development Partner · 13 August 2025Official Visa Europe BPSP (Bill Payment Service Provider) programme partner. The partnership enables Bluechain to offer businesses the ability to pay any supplier invoice by Visa Commercial Card inside existing invoice, approval, and reconciliation workflows — even where suppliers do not accept cards. Bluechain handles billing, collection, reconciliation, and merchant-of-record requirements. The partnership particularly targets construction, freight, hospitality, and wholesale distribution sectors. Bluechain was announced as Visa's partner in a joint press release on 13 August 2025.
• FundablyminorGTM or Marketing Partner · 3 October 2024Google-backed B2B credit platform (backed by Google, Barclays, Funding Circle, Iwoca, and Monzo's Tom Blomfield) partnered with Bluechain to embed a financing access button within the Bluechain platform. Bluechain users can access instant tailored business funding options from multiple lenders — covering business loans and invoice finance — via a simple embedded application. The partnership targets Bluechain customers facing cashflow shortfalls due to late invoice payments.
• XerocoreTechnology or IntegrationBluechain integrates with Xero accounting software, enabling users to automatically pull unpaid invoices into Bluechain and automatically reconcile payments back to Xero after execution. Reduces manual AP work and eliminates double data entry.
• SagecoreTechnology or IntegrationBluechain integrates with Sage accounting software, providing the same automated bill import and reconciliation capabilities as with Xero. Users can sync unpaid bills and receive automatic reconciliation updates after payments.
• Modulr FS LimitedcoreOthersBluechain International LTD is a distributor of Modulr FS Limited, an Electronic Money Institution authorised and regulated by the FCA (Firm Reference Number: 900573). Modulr provides the underlying electronic money and payment services infrastructure for Bluechain's accounts.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Capital on Tap: Capital on Tap is a UK-based small business credit card and spend management platform. It is comparable to Bluechain on the UK SME card-and-cashflow axis and shares the customer pain point of accessing working capital.

Broad incumbents

• Tipalti: Tipalti provides end-to-end accounts payable automation including global payments, supplier management, and reconciliation. It competes with Bluechain at the AP-automation layer for mid-market and enterprise finance teams.
• Payoneer: Payoneer offers cross-border B2B payments, mass payouts, and working capital for SMEs and marketplaces. It overlaps with Bluechain's SME B2B payment focus at the cross-border and freelancer/marketplace level.
• Bill.com: Bill.com is a leading B2B AP/AR automation platform serving SMBs and mid-market with bill payment, invoicing, and reconciliation. It competes with Bluechain's accounting-integrated AP workflow but is broader and US-centric.
• Wise Business: Wise Business provides low-cost cross-border payments and multi-currency accounts for SMEs. It competes with Bluechain's planned cross-border payment offering and shares the SME finance team target buyer.

Emerging players

• Soldo: Soldo provides prepaid business cards, expense management, and AP automation for UK and European SMEs. It overlaps with Bluechain on SME payment orchestration and the Xero/Sage accounting integration ecosystem.
• Fundbox: Fundbox provides embedded working capital and invoice financing to SMBs via accounting platform integrations. It is comparable to Bluechain's Fundably-embedded credit offering and shared focus on SME cashflow.

Direct peers

• Resolve: Resolve offers B2B payment solutions and net-terms trade credit to SMEs, enabling them to pay suppliers via card or net terms. It overlaps directly with Bluechain's invoice-based payment and cashflow extension use case.
• Plastiq: Plastiq enables businesses and consumers to pay any bill by credit card, even when the recipient does not accept cards directly. It is the closest functional analogue to Bluechain's value proposition in the North American market.
• Melio: Melio is a B2B payments platform for SMBs that allows bill payment via ACH or card and integrates with accounting software. Its product overlap with Bluechain is strong in AP automation and US SME segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/paybybluechain
• Facebookfacebook.com/paybybluechain
• LinkedInlinkedin.com/company/bluechain

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bluechain