Pay business expenses with your credit card, even if
your recipient doesn’t accept cards

Make payments

With CardUp, any payment made by bank transfer can be charged to your credit card. Your recipient does not need a CardUp account to accept the payment.


Use your existing credit card limit to extend business payables by up to 58 days, interest-free.

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Gain instant access to interest-free credit
Gain instant access to interest-free credit
  • Utilise existing credit card limits to access cash quickly
  • Avoid lengthy loan application and approval processes
Get early payment discounts from suppliers
Get early payment discounts from suppliers
  • Pay ahead of time while still getting credit on your terms
  • Negotiate early payment and bulk purchase discounts
Manage your payments seamlessly
Manage your payments
seamlessly
  • Manage your invoices online at a glance, all in one place
  • "Set-and-forget" by scheduling recurring payments in advance
Earn rewards and rebates on your credit cards
Earn rewards and rebates on your credit cards
  • Get miles, points and cashback on your credit card spend
  • Make your business expenses rewarding

How CardUp works

01Sign up for free

Set up your free account in less than a minute. No registration is needed by your recipient to receive payment.

02Set up payment

Select the type of payment and choose to pay with any credit card. You can schedule payments in advance, make a one-off payment, or schedule recurring ones.

03CardUp pays

Your card will be charged for your payment three business days prior to the payment due date, which includes a CardUp fee. Your recipient will receive the funds via bank transfer on the due date.

04You pay back later

Extend your payment terms by paying back whenever your next card bill is due. Plus, earn valuable miles, points and cashback on your credit card for each payment.

Schedule one-off or recurring payments in minutes
Receive real-time payment status updates via email and SMS
Set up multiple payments in one go via bulk upload
Track all past and future transactions
Assign roles to team members
Get reliable support
- we are here for you!
All payments made through CardUp
are held to the highest standards of security
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Bank standard security - PCI compliant

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Funds are held in safeguarded account for no more than 3 hours

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Managed hundreds of millions in payments

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"Don't worry, CardUp is not only legal, but it is perfectly safe. CardUp does not store your card details. Their encryption is bank industry standard to ensure your information security."

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"Security is absolutely crucial for the success of CardUp... The company does not store credit card information and everything is tokenised on the backend."

Explore our accolades and media mentions
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Collect payments

Offer your customers the option of credit card payments with no fees or setup required for your business

Accept card payments with no fees or setup required
  • Allow customers to pay with their credit cards without any costs or operational setup for your business
  • No disruption or downtime for your business
Get paid on time and reduce the need to chase payments
Get paid on time and reduce the need to chase payments
  • Enable your customers to make payments online with their existing credit card, reducing payment delays
  • Let your customers easily set up either one-off or automatic recurring card payments
Save time for your business
Save time for your business
  • Reduce manual processing of cheque, cash and bank transfer payments
  • Minimise lapses and errors through manual data entry and collection
Give your customers more reason to do business with you
Give your customers more reason to do business with you
  • Enable your customers to earn miles, points or cashback on their credit cards when they pay you

Register your interest to receive payments with CardUp

Discover how businesses are using CardUp