Transform the way you pay and get paid
5 in 1
Access interest-free capital at rates
than SME financing loans
Save up to
per month on chasing payments
What is CardUp?
All-in-one payment platform
Whether you want to make a payment to your supplier or collect a payment from your customer, easily manage everything on one platform.
Digital payment service
With CardUp, you can now make and collect payments digitally, including with a credit card, even in places where cards are traditionally not accepted.
Take advantage of easy-to-use features to minimise manual labour and maximise your time. You'll finally be able to automate your payment processes.
Changing the way business expenses are paid
Shift these expenses from cash, cheque or bank transfers onto digital means - it's about time!
Want to use CardUp for your personal expenses?
We've got your insurance premiums, education fees, income taxes (and more) covered too.
What our platform does for you
Optimises cash on hand
Free up more cash on hand to better manage your working capital. Extend your payables by up to 2 months and improve your receivables by getting paid faster.
Digitise and automate
Save up to 24 man-hours per week by automating your payment processes with our invoice and payment collection tools. No training or integrations to get started.
Make payments rewarding
Earn up to 5% cashback or 1.6 miles per dollar on expenses you're already paying for. Cut down on travel expenses and enjoy savings by earning rewards.
CardUp supports cards from all major banks and issuers
From big to small, we work with businesses of all sizes
"A clear value-add is the ability to access interest-free credit to help drive working capital needs for large recurring business. This has been pivotal in helping drive healthy working capital ratios."
Chief Operating Officer | Far Ocean Group
“Since our clients are incentivised to make the payment to us, we get the money on time, and we can plan our business better. That is how much our payments have improved since using CardUp.”
Chief Operating Officer | Beacon Financial Services
"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'
Managing Director | Aviation Virtual
"With CardUp, we've been able to capture the miles on our business payments to reduce overall travel expenses for our business."
Director | The Fifth Collection
"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."
Team Lead | Paula’s Choice
"CardUp allows us to offer our card payments as an option and to reconcile receivables in our accounting software automatically."
Head of Finance | Hmlet
"The rollout of CardUp has saved us time and resources in our payment collection processes. In addition, we now offer parents another preferred and more rewarding way to pay!"
Pang Shi Kang
Financial Controller | Etonhouse
We've got your payment processes covered
MAKE DOMESTIC PAYMENTS
Make use of your credit card line
Shift your business expenses onto your credit card to maximise its full potential. Get up to 2 extra months of interest-free working capital by fully accessing the credit line that is sitting idle in your back pocket. Plus, enjoy the benefit of earning rewards.
MAKE INTERNATIONAL PAYMENTS
Pay without boundaries
Pay international suppliers in 100+ countries using your credit card, with no limits on the payment amount. Get access to competitive FX rates and never worry about hidden fees, all on one platform.
Change how you get paid
Improve how you collect receivables with no technological know-how or integrations needed. Start accepting payments by credit card and (New!) PayNow and easily monitor all your receivables.
Simple, transparent pricing
Access one of the fastest and most convenient sources of working capital - from just 1.3% fee to start making payments, or 0% fee to collect payments. No hidden cost or setup fee!
Security is at the core of our platform
We are licensed by the Monetary Authority of Singapore (MAS) and keep your data safe with our PCI-DSS compliant and 256-bit encrypted platform. What this means is that our platform meets the highest security standards to ensure that your payments are safe, secure and yours.
Still have questions about using CardUp?
We're ready to start working with you
Join thousands of other businesses already saving time and money when you sign up today