Transparent pricing for all your business payments
Making payments on CardUp comes with no hidden fees. No rude shocks when you receive your card bill.
Make business payments
from 0.8%
per transaction
Collect business payments
from 0%
per transaction
Pricing by payment type
Find the best rates for your payment in just a few simple steps
1. Select payment category
Choose the payment type you wish to make from the list below
2. Identify business need
Decide if you want to earn rewards or unlock low working capital rates
3. Compare card rates
Compare the fee for different cards and check if there are any promotions
4. Set up your payment
Sign in to your account, schedule your payment and enjoy the benefits
Supplier invoices / Business services
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
Payroll payment
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
Rent payment
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
| Card type | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
|
|
||
|
Mastercard
|
|
|
||
|
UnionPay
|
|
|
||
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
Corporate tax / GST / Stamp duty
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
| Card type | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
|
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
Insurance
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
| Card type | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
|
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
| Card | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
2.6%
|
-
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
Car loans
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
| Card type | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
|
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
| Card | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
2.6%
|
-
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
Season Parking
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
| Card type | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
|
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
| Card | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
2.6%
|
-
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
Electricity
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
| Card type | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
|
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
| Card | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
2.6%
|
-
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
All other payments
When setting up other payment types not found in the list above, select them under 'Miscellaneous Payments'. You can also get in touch with us here if you're unsure if you can make a payment through our platform.
I want to earn card rewards
All payments made at these rates will be eligible for the base earn rates of rewards (up to 1.6 miles per dollar spent or 5% cashback) on the air miles and cashback cards listed here.
| Card type | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
|
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
I want lower rates for my working capital needs
Enjoy lower rates when you wish to use your credit cards to free up working capital on hand. Note that card rewards are not guaranteed on transactions using these lowered fees.
| Card | One-off payment | Promo code | Recurring payment | Promo code |
|---|---|---|---|---|
|
Visa
|
2.6%
|
-
|
2.6%
|
-
|
|
Mastercard
|
2.6%
|
-
|
2.6%
|
-
|
|
UnionPay
|
2.6%
|
-
|
2.6%
|
-
|
|
American Express
|
2.6%
|
-
|
2.6%
|
-
|
|
International cards
|
3.3%
|
-
|
3.3%
|
-
|
Have a corporate card or large payments to make?
Fill in your details below to get a custom quote.
Frequently Asked Questions
Why does CardUp charge a fee?
Our fee covers the processing costs to the card-issuing banks and network providers for each transaction made. The fee also ensures our platform remains secure for your everyday use.
What business 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 payroll, supplier invoices (including business services), rent, corporate taxes and more.
You can view the full list of accepted payments here.
What is the CardUp fee for making international payments?
For international payments to recipients based overseas, the same base CardUp fee of 2.6% applies. There are no additional markups or FX fees, and you get full visibility on the amount charged to your card and sent to your recipient in both currencies. Learn more here.