Skip to content

The smartest way to make business payments

Tap into your available credit card limit and digitise your payment processes for any domestic or international business expense.

American Express
Pay business rent, supplier invoice, payroll, tax and more via CardUp's online platform

Why use CardUp for your business payments?

Cash on hand

Keep more cash on hand

Use your credit card to access interest-free capital that's 68% cheaper than loans and defer payments for up to 2 months.

Digitise your physical invoice and automate payments to save time

Digitise and automate

Save up to 50% of your time by easily automating your payables with our invoice tools. No training or tech skills required.

Enjoy the gift of more rewards

Earn rewards

Earn up to 3% cashback or 1.6 miles per dollar on business expenses you're already paying for.

Paula's Choice Skincare Logo
Standing Sushi Bar Logo
Far Ocean Group Logo
the ice cream & cookie co. Logo
Chew Kee Logo

How it works

Review payment details and final payment amount, and pay with your credit card
1. Set up a payment

Scan your invoices, verify the recipient information and enter your card details. You can pay anyone, even if they don't use CardUp. 

Pay using your credit card through CardUp, and CardUp transfer the payment to recipient via bank transfer
2. Recipient gets paid

The payment is charged directly to your card with a small CardUp fee. Your recipient receives the funds via bank transfer in as fast as one business day. 

Earn more rewards and savings from business payments
3. Enjoy card benefits

Get up to 2 months of interest-free working capital when you pay with your card. You can also start earning rewards such as points, cashback and miles.

Pay virtually any business expense by card

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

Pay renovation


Send money overseas | Pay overseas invoices

International Payment

Pay rent


Pay payroll


Pay supplier invoice

Supplier Invoice

Pay corporate taxes

Corporate Taxes

Pay insurance


Pay car loan

Car Loan

Pay electricity bill


Pay condominium fees

MCST fees


50% off for new users!

Leverage your credit card for working capital and rewards, and digitise your payment — all in one, at 1.3% fees (u.p. 2.6%).

By submitting this form, you agree to receive promotional emails from CardUp. You have the option to opt-out at any time. For more details refer to our Privacy Policy

Business payments made simple with CardUp


Pay overseas suppliers at low fees

Enjoy real market exchange rates with no hidden mark up and much lower transfer fees to pay your overseas goods purchases, rent, legal fees, salaries, and more

Pay globally with credit card
2021 Calendar indicating recurring payments scheduled on credit card


Pay on time, every time

Gone are the days of setting up payment reminders. Set up a recurring payment on CardUp and never worry about late fees again. You may even get an early payment discount from your suppliers!


No more manual data entry

Easily turn all your physical invoices into digital payments in a few clicks. Invoices can be conveniently forwarded via email or uploaded onto our platform in bulk - whichever you choose.
Select and scan multiple invoices at once
CardUp for SAP Concur


Integrate with your SAP Concur account

Use your credit card to pay multiple invoices on SAP Concur in one go. Your payment history will be automatically synced, making account payables simpler and reconciliation easier.

More features to change the way you pay

13007_Product Benefit Icons_2. Digitise and automate-1

Bulk invoicing

Scan, upload and pay invoices in bulk in just a few clicks

Pay using credit card within next day

Next day payments

Pay your invoices in as quickly as one business day

Add team member and assign roles

Team management

Assign roles to different team members

View all payments on one online dashboard

Dashboard monitoring

See all past and upcoming scheduled payments on one page

Get real-time updates easily

Real-time updates

Receive payment status updates and alerts via email and SMS

CardUp can easily connect to your accounting platforms and fit well like a puzzle


Seamlessly connect with your other platforms such as SAP Concur

Join the thousands of businesses who already trust CardUp

Portrait image of Michael Finn, The Fifth Collection

"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

Paula's Choice Skincare Logo

"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

Portrait of Dr Chong, Aviation Virtual

"With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.'

Dr Chong
Managing Director | Aviation Virtual

Portrait of Nina Alag Suri, X0PA AI

"I'm now able to optimise working capital for my business at a flexible and affordable rate. It also helps us process our payments timely."

Nina Alag Suri

Chew Kee Pte Ltd Logo

"With CardUp, my team is now able to collaborate and get a consolidated view of our business spend each month."

Chew Kee Pte Ltd
Finance Lead

Portrait of Jerrold Quek, Far Ocean Group

"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

Crowd Pte Ltd Logo

"CardUp is a good platform for me to utilise my credit limit to ease my cashflow, earn reward points and get additional timeline for my supplier payments."

Lenny Lim
Director | Crowd Pte Ltd

Star rating w text-new

Have questions about using CardUp for your payments?

What business payments can I make with CardUp?

How does using my credit card free up my cash flow for 2 months?

Will I earn rewards on my credit card for payments made through CardUp?

Businessman in office, working on iPad

Manage your business expenses better

Join business across 40 industries that have optimised their business expenses with CardUp