Revolutionising payments through card-based solutions

Our story

CardUp is on a mission to provide individuals and businesses with a better way to pay and get paid. Our payment platform simplifies the lives of business owners, bringing both payments and collections into one easy-to-use digital platform. These no-code solutions improve cash flow management, unlock rewards on existing cards and save time through automation, all with no software implementation or setup time.

At our core, we allow any big expense – previously made by cash, cheque, or bank transfer – to be shifted onto a credit card. This includes expenses that traditionally have not accepted cards. Examples include rent, insurance premiums, payroll, supplier invoices and more. In addition, we equip businesses with the tools needed to automate payment processing, helping them save time whilst staying in control of their finances.  

CardUp operates regionally across Singapore, Hong Kong and Malaysia, and is licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under the Payment Services Act.

Group photos of the CardUp Team in Singapore and India

Our values

Do what is right, not what is easy

Do what is right, not what is easy

Together we are stronger

Together we are stronger

Push beyond limits

Push beyond limits

Our journey and milestones


Company founded

Founded by Nicki Ramsay, and launched Singapore operations

Finalist in the Global Hackcelerator organised by the MAS

Participated in The FinLab organised by UOB


Raised seed funding

Raised $1.6M in Seed funding

Participated in Mastercard's global StartPath programme


Top 10 in ASEAN

Nominated as a Top 10 Finalist in the ASEAN Open Category at the 2018 FinTech Awards


New product line

Launched B2B receivables product, CardUp Collect


Product innovations

Launched our international payments feature

Selected to be part of SAP.iO Foundry's FinTech and COVID-19 Recovery Acceleration Program

Nominated as a Finalist in the 2020 TechBlazer Awards

Licensed by the MAS as a Major Payment Institution


Regional growth

Operational in Hong Kong and Malaysia

Selected for Cyberport, the Hong Kong Government's tech incubation programme

Licensed by the HKCED as a Money Service Operator


Raised Series A funding

Raised US$7M in Series A Funding

Our awards

Mastercard start path logo

Singapore FinTech Festival logo

Finlab, UOB and Infocomm Investments logos

Cyperport logo

Our investors


SixThirty logo

Transcend Capital logo

Enterprise SG logo

Seeds Capital logo

Vulpes Investment Management logo

KFC Ventures logo

RB logo

Seedplus logo

Seqouia Logo

Our offices

Singapore Flag icon

Singapore (HQ)

Operating hours: 0900 - 1800

1 Keong Saik Road
The Working Capitol
Singapore 089109

Hong Kong Flag icon

Hong Kong

Room 29, 5/F, Core F,
Cyberport 3
100 Cyberport Road,
Hong Kong

Malaysia Flag icon


A-38-02, Level 38,
Tower A, Menara
UOA Bangsar, No. 5,
Jalan Bangsar
Utama 1, 59000
Kuala Lumpur,

India Flag icon


2nd Floor, Nucleus Mall,
Church Road,
Pune, Maharashtra,
India 411001
Illustration of person using computer to fill out form

Contact us

Have a question about our company or platform? Reach out to us and we'll get back to you as soon as we can!