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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

Heropay

Small French businesses that want a free or low-cost online business account with short-term supplier-invoice financing and faster marketplace payouts.

Heropay
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 Custom
Features

0 shared

Regions

0 shared

Pay methods

5 shared

3 unique to Incard · 4 unique to Heropay
On fees

Incard publishes 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%. from. Heropay uses custom pricing, quoted on engagement. Verify directly with each provider before signing.

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0 features · 12 payment methods · 0 regions. We don't rank these — they're here for reference.
Incard Incard
Heropay Heropay
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%.
Custom
Settlement
Time to receive funds
—
Hero paie vos ventes BackMarket et Conforama à j+1 de vos ventes.
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
Heropay leads (9 vs 8)
Apple Pay
✓
✓
Bank Transfer
✓
✓
Corporate Card Unique
✓
—
Credit Card Unique
—
✓
Debit Card
✓
✓
Google Pay Unique
—
✓
Sepa Unique
—
✓
Sepa Instant Unique
—
✓
Swift Unique
✓
—
Virtual Account Unique
✓
—
Virtual Card
✓
✓
Visa
✓
✓
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

Heropay is best when you...

Small French businesses that want a free or low-cost online business account with short-term supplier-invoice financing and faster marketplace payouts.
View Heropay

Frequently Asked Questions

What is the difference between Incard and Heropay?
They share 5 payment methods and 0 regions. Incard adds Corporate Card, SWIFT, Virtual Account that Heropay does not list; Heropay adds Credit Card, Google Pay, SEPA and 1 more that Incard does not list.
Which is cheaper, Incard or Heropay?
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%.; Heropay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Incard and Heropay?
Incard lists 0 regions and 8 payment methods; Heropay lists 0 and 9. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Incard and Heropay compare on integration and settlement?
Heropay publishes a settlement time of Hero paie vos ventes BackMarket et Conforama à j+1 de vos ventes..

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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