• Visa
  • Mastercard
  • American Express
  • UnionPay
  • CardUp accepts all major credit cards

See how CardUp helps with your business cash flow

With CardUp, your business can make use of your available credit limit for an extra 58 days of interest-free payment terms, conserving cash

Invoice with 30 days

Jason receives an invoice from his supplier with a 30-day payment term

Charges invoice to credit card

He charges the invoice amount to his credit card via CardUp, and his supplier receives the payment on time via a bank transfer

Statement arrives

His credit card statement arrives at the start of the next month, and is only due 30 days later

Leverages period

Jason pays off his statement when it is due, extending his invoice payment terms by up to 58 days, interest-free!

Calculate your cost of financing with CardUp

I wish to free up
$ freeupCash
in cash
Please enter valid cash amount.
1.9% ? ?
Card rebate
1.5% ? ?
Cost of funds using CardUp
0.4%  or   $800
CardUp provides the fastest and most convenient financing solution to free up cash at a low cost.
Here’s how we compare based on financing $200,000:
Card Up Logo Working capital loan Business term loan Unsecured overdraft Invoice factoring Moneylenders
Fees From 1.9% per transaction $500 $500 $1,300 $0 $100
Interest fee (Annualised) 0% 7.5% 10.5% 13.5% 15% 45%
Total cost of funds (incl. fees). 2.52%* p.a. 7.75% p.a. 10.75% p.a. 14.15% p.a. 15% p.a. 45.05% p.a.
Approval time Instant,
2 Weeks Up to 4 Weeks Up to 4 Weeks Up to 2 Weeks Within a day
Required documentation Light Heavy Heavy Heavy Medium Light
Flexibility Very flexible, on a
per-transaction level
Fixed amount Fixed amount Fixed amount Flexible, as per your invoice Flexible
Italian Trulli
From 1.9% per
Interest fee (Annualised)
Total cost of funds (incl. fees)
2.52% p.a.
Approval time
Required documentation
Very flexible, on a
per-transaction level
*The total effective cost of financing for CardUp is derived from a net 0.4% CardUp fee per
transaction to enjoy an interest-free period of 58 days.

Find how much you can be saving with our customised fees

Do you hold a commercial credit card? The CardUp fee can be customised to as low as 0.9%!

Simply fill in your information in the form and we will be in touch to discuss your customised pricing.

Join the thousands of businesses already using CardUp to optimise working capital

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Simple pricing

From just 1.9% fee per transaction.

Here’s how the value you get from CardUp can easily outweigh this fee:

+ 1.0% cashback

Corporate cards offer a cashback on your expenses of up to 1%. For personal credit cards, you can earn even more with up to 5% cashback or 1.6 miles per dollar spent

+ 0.2% return on investments

By freeing up cash on hand, more funds can be used for investments, bringing in returns over time

+ 1.0% early payment discounts

Negotiate a discount with your suppliers for paying your invoices on time

Total: + 0.3% Potential Net Benefit

How CardUp works

  • 1

    Set up payment

    Create a free account and enter your payment details. Payments can be made in advance, or on recurring schedules.

  • 2

    Credit card charged

    CardUp charges your card plus a CardUp fee to enable your card payments to be made.

  • 3

    Recipient gets paid

    Your recipient receives the funds by bank transfer in as soon as one business day, without the need to register with CardUp.

  • 4

    You pay back later

    While your recipient has already received your payment on time, you only pay when your next credit card bill is due.


More features that users love

Flexible schedule

Flexible schedule

Set up one-off payments or schedule them in advance, or even on a recurring schedule

Dashboard view

Dashboard view

Monitor all past and upcoming payments on your personal dashboard

Real-time updates

Real-time updates

Receive real-time payment status updates via email and SMS

Simple pricing

Simple pricing

From 1.9% fee per transaction, with no separate set up fee

Bulk Upload

Bulk upload

Turn hundreds of invoices into payments within seconds via bulk upload

Next-day payment

Next-day payment

Pay your recipient in one business day for urgent payments, at a nominal fee

Team management

Team management

Collaborate better with customisable rights to view, edit and approve payments

Reliable support

Reliable support

Get professional phone and email support from our team to help you in every step

There is more to using CardUp:


Maximise your card rewards

Earn up to 5% cashback or 1.6 miles per dollar on your card with CardUp


Digitise and automate your payments

Remove cheque and cash payments, save time and simplify your payment processes


Accept card payments for your business

Let your customers pay by card with no fees or hassle for your business