Enjoy a
5 in 1
payment solution
Access interest-free capital at rates
68% cheaper
than SME financing loans
Save up to
2 days
per month on chasing payments
What is CardUp?
![Payment dashboard viewed through laptop, payment made page viewed through phone Payment dashboard viewed through laptop, payment made page viewed through phone](https://cdn.statically.io/img/www.cardup.co/hubfs/13879_What-is-CardUp-Illustration-01-2.png)
All-in-one payment platform
Whether you want to make a domestic or international payment to your supplier or collect a payment from your customer, easily manage everything on one platform.
![Pay and get paid digitally and with a credit card Pay and get paid digitally and with a credit card](https://cdn.statically.io/img/www.cardup.co/hubfs/13879_What-is-CardUp-Illustration_Content-2-.png)
Digital payment service
With CardUp, you can now make and collect payments digitally, including with a credit card, even in places where cards are traditionally not accepted.
![Automate your payment, focus on more important business operations Automate your payment, focus on more important business operations](https://cdn.statically.io/img/www.cardup.co/hubfs/13879_What-is-CardUp-Illustration_Content-3-.png)
Productivity suite
Take advantage of easy-to-use features to minimise manual labour and maximise your time. You'll finally be able to automate your payment processes.
Changing the way business expenses are paid
Shift these expenses from cash, cheque or bank transfers onto digital means - it's about time!
![Pay renovation](https://cdn.statically.io/img/www.cardup.co/hubfs/renovation-1.png)
Renovation
NEW!
![Pay rent](https://cdn.statically.io/img/www.cardup.co/hubfs/12417_Brand-Icons_1.-Rent.png)
Rent
![Pay payroll](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_2.%20Payroll.png?width=75&name=12417_Brand%20Icons_2.%20Payroll.png)
Payroll
![Pay supplier invoice](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_3.%20invoice.png?width=75&name=12417_Brand%20Icons_3.%20invoice.png)
Supplier Invoice
![Pay income tax, corporate tax, property tax](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_9.%20Tax-1.png?width=75&name=12417_Brand%20Icons_9.%20Tax-1.png)
Corporate Tax
![Pay insurance](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_4.%20Insurance.png?width=75&name=12417_Brand%20Icons_4.%20Insurance.png)
Insurance
![Pay car loan](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_5.%20car%20loan.png?width=75&name=12417_Brand%20Icons_5.%20car%20loan.png)
Car Loan
![Pay electricity bill](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_7.%20Electricity%20bill-1.png?width=75&name=12417_Brand%20Icons_7.%20Electricity%20bill-1.png)
Electricity
![Pay stamp duty](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_10.%20Stamp%20duty-1.png?width=75&name=12417_Brand%20Icons_10.%20Stamp%20duty-1.png)
Stamp Duty
![Pay condominium fees and other miscellaneous payments](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_13.%20Condominium%20fees-1.png?width=75&name=12417_Brand%20Icons_13.%20Condominium%20fees-1.png)
MCST fees
Want to use CardUp for your personal expenses?
We've got your insurance premiums, education fees, income taxes (and more) covered too.
What our platform does for you
![Enjoy better cashflow with credit card](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/Benefits-Working%20Capital-1.png?width=225&name=Benefits-Working%20Capital-1.png)
Optimises cash on hand
Free up more cash on hand to better manage your working capital. Extend your payables by up to 2 months and improve your receivables by getting paid faster.
![Save time and manual effort by automating payment](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/Benefits-Digitisation.png?width=225&name=Benefits-Digitisation.png)
Digitise and automate
Save up to 24 man-hours per week by automating your payment processes with our invoice and payment collection tools. No training or integrations to get started.
![Get more cash back and redeem flight tickets at cheaper cost](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/Benefits-Rewards.png?width=225&name=Benefits-Rewards.png)
Make payments rewarding
Earn up to 3% cashback or 1.6 miles per dollar on expenses you're already paying for. Cut down on travel expenses and enjoy savings by earning rewards.
CardUp supports cards from all major banks and issuers
![American Express logo](https://cdn.statically.io/img/www.cardup.co/hubfs/card%20logos/AMEX_1600x1600%20-%202019.png)
![Bank of China Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/BOC%20Logo.png)
![CIMB Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/CIMB%20Logo-cropp.png)
![Citibank Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Citibank%20Logo.png)
![DBS Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/DBS%20Logo.png)
![HSBC Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/HSBC%20Logo.png)
![Maybank Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Maybank%20Logo.png)
![OCBC logo](https://cdn.statically.io/img/www.cardup.co/hubfs/logo_ocbc.png)
![POSB Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/POSB%20Logo.png)
![Standard Chartered Bank Logo](https://cdn.statically.io/img/www.cardup.co/hs-fs/hubfs/scb-logo-2021.png?width=150&height=79&name=scb-logo-2021.png)
![UOB Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/UOB%20Logo.png)
![Grab Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Grab%20Logo-short.png)
From big to small, we work with businesses of all sizes
"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."
![Profile image of Jerrold Quek, CEO, Far Ocean Group](https://cdn.statically.io/img/www.cardup.co/hubfs/far-ocean-group-jerrold-round.png)
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.”
![Portrait of Lenny Lim](https://cdn.statically.io/img/www.cardup.co/hubfs/lenny-lim-photo.jpeg)
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.'
![Profile image of Dr Chong, Managing Director, Aviation Virtual](https://cdn.statically.io/img/www.cardup.co/hubfs/AV%20Photo.png)
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."
![Profile image of Michael Finn, Director, The Fifth Collection](https://cdn.statically.io/img/www.cardup.co/hubfs/TFC-1.png)
Michael Finn
Director | The Fifth Collection
"CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly."
![Paula's Choice Skincare logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Paulas%20Choice-2.png)
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."
![Hmlet logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Hmlet%20logo.png)
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!"
![Etonhouse logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Etonhouse%20logo.png)
Pang Shi Kang
Financial Controller | Etonhouse
![Team lead discussing business finance strategy with team](https://cdn.statically.io/img/www.cardup.co/hubfs/Website-Images-home-big-small-business.png)
![Etonhouse International School Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Etonhouse-1.png)
![Paula's Choice Skincare Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Paulas%20Choice-3.png)
![the ice cream & cookie co Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/ice%20cream%20cooke%20co.png)
![Standing Sushi Bar Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/SSB.png)
![Far Ocean Group Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Far%20Ocean.png)
![Hmlet Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/Hmlet.png)
![CardUp is rated 4.9 out of 5 stars on Google Reviews](https://cdn.statically.io/img/www.cardup.co/hubfs/Star%20rating%20w%20text-new.png)
We've got your payment processes covered
MAKE DOMESTIC PAYMENTS
Make use of your credit card line
Shift your business expenses onto your credit card to maximise its full potential. Get up to 2 extra months of interest-free working capital by fully accessing the credit line that is sitting idle in your back pocket. Plus, enjoy the benefit of earning rewards.
![Businessman utilising credit card and credit line](https://cdn.statically.io/img/www.cardup.co/hubfs/home-value-prop-1-make-domestic-2-2.gif)
![Pay globally with credit card](https://cdn.statically.io/img/www.cardup.co/hubfs/home-value-prop-2-make-international-2-1.gif)
MAKE INTERNATIONAL PAYMENTS
Send money overseas without breaking the bank
Enjoy real market exchange rates with no hidden mark up and much lower fees on your overseas invoices, school fees and more.
Plus, earn card rewards that you would have otherwise missed out on!
COLLECT PAYMENTS
Change how you get paid
Improve how you collect receivables with no technological know-how or integrations needed. Accept payments by credit card and PayNow and easily monitor all your receivables.
![Payment Options-2 (SG)](https://cdn.statically.io/img/www.cardup.co/hubfs/Payment%20Options-2%20(SG).gif)
![Businessman satisfied with paying business expenses using credit card](https://cdn.statically.io/img/www.cardup.co/hubfs/Website-Images-b2b-pricing.png)
Simple, transparent pricing
Access one of the fastest and most convenient sources of working capital - from just 1.3% fee to start making payments, or 0% fee to collect payments. No hidden cost or setup fee!
Security is at the core of our platform
![PCI-DSS and Monetary Authority of Singapore (MAS) Logo](https://cdn.statically.io/img/www.cardup.co/hubfs/PCI-DSS%20and%20MAS.png)
We are licensed by the Monetary Authority of Singapore (MAS) and keep your data and payments safe with our PCI-DSS compliant and 256-bit encrypted platform. This means that our platform meets the highest security standards.
Still have questions about using CardUp?
![Man with laptop with multiple expenses to pay for](https://cdn.statically.io/img/www.cardup.co/hubfs/Payment%20types%20(1)-2.png)
We're ready to start working with you
Join thousands of other businesses already saving time and money when you sign up today