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% 0%
fee per transaction*

 International cards

3.3% 0%
fee per transaction*


No fee per transaction

For card payment collection, the 0% fee offer is valid for new collectors from now till 30 June 2022. Offer redemption must occur within 45 days from date of Collect setup account verification. See full terms and conditions here.


*For credit card payments below S$130, a minimum fee of S$3.40 applies; for payments above S$5,000, standard fees apply.

Start collecting with CardUp for free

Redeem your 0% fee offer by providing us with your details. Our team will help get you started shortly.

  • 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?

How can collecting payments be free for my business?

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