Skip to content

Get paid online, even if your business is offline

Collect credit card and PayNow payments from your customers quickly and easily, with our no-code solution.

Collect PayNow payments with CardUp
Collect Visa payments with CardUp
Collect Mastercard payments with CardUp
Collect American Express payments with CardUp
Collect UnionPay payments with CardUp

Why use CardUp to collect payments?

Quick set up to start collecting credit card payments

Hassle-free setup

Start collecting credit card or PayNow payments from your customers in as fast as one business day. No tech skills or training required to get started!

Hands navigating CardUp dashboard

Easily manage your receivables

Improve the way you manage your receivables with our easy-to-use dashboard. See all past and outstanding payments at a glance.

Customer pays directly to you

Be paid anytime, anywhere

Get paid in as fast as one business day by sharing custom online payment links. Less chasing when you enable customers to pay you at their convenience.

Etonhouse logo
Moovaz logo
Hmlet logo
YouPrint logo
Canadian International School logo

Truly flexible pricing

Decide who pays the fee

Pay the processing fee for every credit card transaction or pass it on to your customers. The choice is yours. The other party gets to enjoy CardUp for free.

Sign up offer: 1% fee for first S$5,000 payment collection

No fees for anyone

It's not a typo. We just want you to enjoy using our platform and experience collecting payments seamlessly. It's that simple.

Completely free for PayNow

Your business pays the fee

Pay the processing fee for every PayNow transaction. Perfect for smaller transaction sizes and same-day pay outs. Plus, all your transactions will be easily reconcilable from a single dashboard.


How it works

Create a CardUp account online in minutes and start generating payment request
1. Set up your account

Provide a few details about your business and we will approve your account for payment collection in as fast as one business day.

Choose to share payment request via link, email or SMS
2. Let customers pay you

Create custom payment links and share them with your customers. Easily enable them to pay you by credit card, without any technical integrations required.

View payment status on CardUp dashboard
3. Track payments

Receive your incoming payments directly deposited into your bank account in as fast as one business day. Conveniently track each transaction with our easy-to-use dashboard.

Start collecting with CardUp for free

Collections via PayNow is completely free and via credit cards it's 1% fees (u.p. 2.6%) on the first S$5,000.


  • No setup costs or hidden fees
  • Licensed by MAS. Trusted by thousands.
  • Get started in 1 business day

Collecting payments is easy with CardUp

Big features to suit companies of all sizes

Credit Card


Accept all major credit cards

Improve your chances of getting paid on time by offering your customers their preferred way to pay — Be it with their Visa, Mastercard, China UnionPay or American Express credit cards. 


Easily reconcile PayNow payments

Stop manually matching incoming PayNow payments against your invoices. Easily track and monitor every payment in one place, right alongside the credit card payments. 


Get paid from anywhere

Get a custom and secure payment URL to send to your customers. Plus, you decide whether you want to preset the invoice amount or leave it open for your customers to complete


Faster payment reconciliation

Choose to get paid in one or three business days, you decide! With faster access to cash and reduced margin requirements, you can now take advantage of more investment opportunities for your business to enjoy a better, smoother expense reconciliation at the of the month.

Next day payment
Payment powered by CardUp


Make payments work your way

Embed our solution onto your website, platform or app via our customisable APIs. Make your customers' payment experience a seamless and enjoyable one.


Plays well with your Xero account

Collect payments directly from auto-generated links on your Xero invoices. Once your customers pay, the invoice statuses will be seamlessly synced to your Xero account. Reconciliation made simple.

CardUp is integrated with Xero

More features to change the way you get paid

Multiple payment requests icon

Bulk invoicing

Create multiple payment requests at once

Get paid directly to your bank account

Direct deposit

Receive funds without a merchant account

Multiple digital payment method such as PayNow and credit card

Payment options

Accept card payments from all networks

View all payments on one online dashboard

Dashboard monitoring

See all past and future payments at once

Add team member and assign roles

Team management

Assign roles to different team members

Next day payout

Next day payout

Receive funds to your bank account the next business day

Join the thousands of businesses who already trust CardUp

Hmlet Logo

"I highly recommend CardUp for any business looking for payment and reconciliation automation and scalability."

Brice Derouet
Head of Finance | Hmlet

EtonHouse Logo

"The rollout of CardUp has saved us time and resources in our collection and reconciliation processes."

Pang Shi Kang
Financial Controller | Etonhouse

Portrait of Junxian Lee, Moovaz

"Our customers' payments are deposited directly into our company bank accounts, and automatically reconciled on our integrated Xero accounts."

Junxian Lee
CEO & Co-founder | Moovaz

Portrait of Lionel, YouPrint

"CardUp has saved me time chasing payments, especially for smaller invoices. Furthermore, automatic reconciliation makes it a breeze!"

Account Manager | YouPrint

CardUp is rated 4.9 out of 5 stars on Google Reviews

Have questions about using CardUp to collect payments?

Can my business use CardUp to collect payments?

Can I pass the fee to my customers?

How long does it take for me to receive my payments?

SME business owner monitoring business receivables on laptop in cafe

Digitise your receivables today

Join the thousands of businesses that are already collecting digital payments with CardUp