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Incard

Incard

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.

VS

Apron

UK-registered small and medium businesses, finance teams and accounting firms that want bill pay, payroll payments, expense cards and payment-link collections reconciled with Xero or QuickBooks.

Apron
Fees from
Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%. vs Get paid links: 0% on pay by bank. 0% on business cards. 1% fee on personal cards. (If the customer covers card fees, business cards are 2.9% to the customer.) Plans (from 1 December 2026, per company, billed monthly): Payments lite Free; Payments core £29/month; Payments plus £49/month; Payments max £99/month. Pay anyone using a credit card: 2.5% fee. FX conversion fee 0.5%; £3 per payment outside EEA.
Features

0 shared

Regions

0 shared

Pay methods

3 shared

5 unique to Incard · 2 unique to Apron
On region

Not enough published data on regional coverage for a fair verdict — open the full specs below for reference.

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Show full specs
0 features · 10 payment methods · 0 regions. We don't rank these — they're here for reference.
Incard Incard
Apron Apron
Quick Facts
Fees
Standard transaction rate
Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.
Get paid links: 0% on pay by bank. 0% on business cards. 1% fee on personal cards. (If the customer covers card fees, business cards are 2.9% to the customer.) Plans (from 1 December 2026, per company, billed monthly): Payments lite Free; Payments core £29/month; Payments plus £49/month; Payments max £99/month. Pay anyone using a credit card: 2.5% fee. FX conversion fee 0.5%; £3 per payment outside EEA.
Settlement
Time to receive funds
—
Same day
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
Incard leads (8 vs 5)
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Corporate Card
✓
✓
Credit Card Unique
—
✓
Debit Card Unique
✓
—
Open Banking Unique
—
✓
Swift Unique
✓
—
Virtual Account Unique
✓
—
Virtual Card
✓
✓
Visa Unique
✓
—
Regions

Incard is best when you...

UK and EU ecommerce businesses, agencies, AI startups and creators that want multi-currency business accounts and cashback Visa cards for spending such as online advertising.
View Incard

Apron is best when you...

UK-registered small and medium businesses, finance teams and accounting firms that want bill pay, payroll payments, expense cards and payment-link collections reconciled with Xero or QuickBooks.
View Apron

Frequently Asked Questions

What is the difference between Incard and Apron?
They share 3 payment methods and 0 regions. Incard adds Apple Pay, Debit Card, SWIFT and 2 more that Apron does not list; Apron adds Credit Card, Open Banking that Incard does not list.
Which is cheaper, Incard or Apron?
Incard has published rates from Free: £0/month (3 users, 1% cashback on debit cards, 3 multi-currency IBANs, 15 cards, £5,000 FX at interbank rate). Grow: £49/month (5 users, 1.25% cashback on debit cards, 5 multi-currency IBANs, 30 cards, £15,000 FX at interbank rate, API & automation access). Incard Plus: from £199/month (from 10 users, from 1.5% cashback on debit cards, from 20 multi-currency IBANs, from 50 cards, from £25,000 FX at interbank rate). Billed once yearly; yearly billing saves 15%.; Apron has published rates from Get paid links: 0% on pay by bank. 0% on business cards. 1% fee on personal cards. (If the customer covers card fees, business cards are 2.9% to the customer.) Plans (from 1 December 2026, per company, billed monthly): Payments lite Free; Payments core £29/month; Payments plus £49/month; Payments max £99/month. Pay anyone using a credit card: 2.5% fee. FX conversion fee 0.5%; £3 per payment outside EEA.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Incard and Apron?
Incard lists 0 regions and 8 payment methods; Apron lists 0 and 5. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Incard and Apron compare on integration and settlement?
Apron publishes a settlement time of Same day.

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