Pay invoices and supplier payments with your credit card
Shift your business expenses to your credit cards and earn up to 1.6 miles per dollar while boosting cashflow instantly at 0% interest.




What can you pay with CardUp?
Transform the way you pay - shift these payments onto your card and make full use of your pre-approved credit line

Supplier Invoice

Corporate Taxes

Car Loan

Electricity

MCST fees

How many air miles can you earn?
Pay
Pay - Nick uses his credit card on CardUp to pay his rental, payroll, and suppliers expenses amounting to S$65,760 monthly
Earn
His card rewards him with 1.4 miles per dollar spent, earning him 94,136 miles for these payments
Redeem
Nick is able to take off on a business class flight to Perth worth S$4,381 at only S$1,480 in CardUp fees* - that's 66% in savings!
* CardUp charges a processing fee per transaction - see the latest promotion here
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CardUp is helping many business owners to free up cash on hand. This is how!
Receive invoice
Sam receives an invoice from his supplier with a 30-day payment term
Pay recipient
He charges the invoice amount to his credit card via CardUp, and his supplier receives the payment on time via a bank transfer
Delay payment
His credit card statement arrives at the start of the next month, and is only due 30 days later. Sam pays off his statement when it is due, extending his invoice payment terms by up to 2 months, interest-free!

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No more manual processes. Pay automatically and save time!
Capture invoice
Turn your physical invoices into digital-ready payments with just a few clicks by uploading them in bulk, or forwarding it to us via email
Make payment
Make payments to your recipients all at one go. Set up automatic recurring payments on your card and pay off just one consolidated bill each month
Track and reconcile
Manage all past and upcoming payments on your dashboard. Integrate with your existing tools such as SAP Concur and have your payment statuses synced in real-time across both platforms
Have an international supplier to pay?
- Enjoy up to 76% cheaper cross border payments to suppliers with competitive FX rates
- No hidden markup or fees

What our members are saying:
"A clear value-add is the ability to access interest-free credit to help drive working capital needs for large recurring business. This has been pivotal in helping drive healthy working capital ratios."

Jerrold Quek
Chief Operating Officer | Far Ocean Group
“Since our clients are incentivised to make the payment to us, we get the money on time, and we can plan our business better. That is how much our payments have improved since using CardUp.”

Lenny Lim
Chief Operating Officer | Beacon Financial Services
"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'

Dr Chong
Managing Director | Aviation Virtual
"With CardUp, we've been able to capture the miles on our business payments to reduce overall travel expenses for our business."

Michael Finn
Director | The Fifth Collection
"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."

Jeremy Tan
Team Lead | Paula’s Choice
"CardUp allows us to offer our card payments as an option and to reconcile receivables in our accounting software automatically."

Brice Derouet
Head of Finance | Hmlet
"The rollout of CardUp has saved us time and resources in our payment collection processes. In addition, we now offer parents another preferred and more rewarding way to pay!"

Pang Shi Kang
Financial Controller | Etonhouse


Make your first payment today with CardUp
Please provide your details, and our Sales Representative will contact you shortly!
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CardUp supports cards from all major banks and issuers












Have questions about using our platform?
What payments can I make with CardUp?
Our platform lets you shift payments currently made by cash, cheque or bank transfers onto your credit cards, even where cards are not accepted. These include payments such as rent, income tax school fees, insurance premiums and more. You can view the full list of accepted payments here.
Will I earn rewards on my credit card for payments made through CardUp?
All spend made using a Singapore-issued card on your CardUp-registered account are eligible for the base earn rate* of miles (up to 1.6 miles per dollar), points or cashback (up to 3% cashback) on most credit cards, including for payments such as insurance premiums and taxes.
See the popular credit cards and cards that are not eligible here.
Important Note
As per our Terms of Service Clause 14, CardUp does not issue Payment Cards or operate a rewards programme. You are responsible for understanding the rewards programme associated with your Payment Card. We include updates on changes to card issuer reward programmes in our promotional material. We rely on the information provided to us by card issuers and make reasonable efforts to keep all such promotional marketing accurate and up to date. However, we accept no liability or responsibility for the information provided by a payment card issuer, including if it is complete, correct, and up to date, and that we have understood it correctly and completely. Always refer back to your bank/issuer card rewards eligibility and terms & conditions for the latest updates on the earn rates.
How will the rewards earned outweigh the CardUp fee?
Rest assured for many credit cards in Singapore, the value of the rewards gained will outweigh our fees.
Our rewards calculator will help you calculate the miles or cashback earned based on the credit card used and amount spent. Here's an example of how you can redeem a business class return ticket to Japan worth $4,000 at only $1,480!