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You decide who pays the fee

Collect credit card and PayNow payments with the flexibility to decide who pays the transaction fee. It's simple. No gateway or setup fees required.

Simple and flexible pricing


✔️ No platform or setup fees   ✔️ Get started completely free

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

 Domestic cards

2.6% 1%
fee per transaction*

 International cards

3.3% 1%
fee per transaction*


No fee per transaction

The 1% credit card offer is only valid for new collectors, on the first S$5,000 collected, and expires 45 days after account verification. Thereafter, standard processing fees apply, including a minimum fee of S$3.40 for any payment below S$130. See full T&Cs here.


Start collecting with CardUp

Enjoy 1% fees on the first S$5,000 you collect by credit card and receive payout in the next business day at an additional fee of 0.3%. Plus, no fees for PayNowProvide your details below.

  • No platform or setup fee
  • No technical integration
  • No strings attached

Who pays the fee?

You may decide if you or your customers will pay.

Customers do not pay fee icon
Your business pays the fee

Your business pays for credit card acceptance and reconciliation. Your customers enjoy a free and rewarding payment option.

Business do not pay fee icon
Your customer pays the fee

Your customers pay for the convenience and benefits of paying with their credit cards. Your business collect payments for free.

Customers do not pay fee icon
No fees for anyone

Your business gets to enjoy automatic reconciliation of all payments and your customers get to enjoy the convenience at no cost.

Your business pays the fee

Your business pays for automatic reconciliation of all payments. Suitable for small transactions and instant payment collection.


Note: If you're using CardUp for Xero, you may split the fee percentage however you like.

Start collecting payments with CardUp today.

Frequently Asked Questions

Can my business use CardUp Collect?

Can I pass the fee to my customers?

Do I need a registered PayNow account to start collecting PayNow payments?

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