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Transform the way you pay and get paid

Our no-code platform helps businesses improve cash flow, save time and automate finance processes.


Enjoy a

5 in 1

payment solution

Access interest-free capital at rates

68% cheaper

than SME financing loans

Save up to

2 days

per month on chasing payments

What is CardUp?

Payment dashboard viewed through laptop, payment made page viewed through phone
All-in-one payment platform

Whether you want to make a domestic or international payment to your supplier or collect a payment from your customer, easily manage everything on one platform.

Pay and get paid digitally and with a credit card
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.

Automate your payment, focus on more important business operations
Productivity suite

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.

Wondering how much CardUp can help you save on your next flight?

Use our free rewards calculator to see how much miles you can earn!

Rewards Calculator >
Rewards calculator

Changing the way business expenses are paid

Shift these expenses from cash, cheque or bank transfers onto digital means - it's about time!

Pay renovation


Pay rent


Pay payroll


Pay supplier invoice

Supplier Invoice

Pay income tax, corporate tax, property tax

Corporate Tax

Pay insurance


Pay car loan

Car Loan

Pay electricity bill


Pay stamp duty

Stamp Duty

Pay condominium fees and other miscellaneous payments

MCST fees

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

Enjoy better cashflow with credit card

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.

Save time and manual effort by automating payment

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.

Get more cash back and redeem flight tickets at cheaper cost

Make payments rewarding

Earn up to 3% 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

American Express logo
Bank of China Logo
Citibank Logo
DBS Logo
Maybank Logo
OCBC logo
Standard Chartered Bank Logo
UOB Logo
Grab Logo

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."

Profile image of Jerrold Quek, CEO, Far Ocean Group

Jerrold Quek
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.”

Portrait of Lenny Lim

Lenny Lim
Chief Operating Officer | Beacon Financial Services

"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'

Profile image of Dr Chong, Managing Director, Aviation Virtual

Dr Chong
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."

Profile image of Michael Finn, Director, The Fifth Collection

Michael Finn
Director | The Fifth Collection

"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."

Paula's Choice Skincare logo

Jeremy Tan
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."

Hmlet logo

Brice Derouet
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!"

Etonhouse logo

Pang Shi Kang
Financial Controller | Etonhouse

Team lead discussing business finance strategy with team
Etonhouse International School Logo
Paula's Choice Skincare Logo
the ice cream & cookie co Logo
Standing Sushi Bar Logo
Far Ocean Group Logo
Hmlet Logo
CardUp is rated 4.9 out of 5 stars on Google Reviews

We've got your payment processes covered


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.

Businessman utilising credit card and credit line
Pay globally with credit card


Send money overseas without breaking the bank

Enjoy real market exchange rates with no hidden mark up and much lower fees on your overseas invoices, school fees and more. 

Plus, earn card rewards that you would have otherwise missed out on!


Change how you get paid

Improve how you collect receivables with no technological know-how or integrations needed. Accept payments by credit card and PayNow and easily monitor all your receivables.

Payment Options-2 (SG)
Businessman satisfied with paying business expenses using credit card

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

PCI-DSS and Monetary Authority of Singapore (MAS) Logo

We are licensed by the Monetary Authority of Singapore (MAS) and keep your data and payments safe with our PCI-DSS compliant and 256-bit encrypted platform. This means that our platform meets the highest security standards.

Still have questions about using CardUp?

Man with laptop with multiple expenses to pay for

We're ready to start working with you

Join thousands of other businesses already saving time and money when you sign up today