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Get paid online, even if your business is offline

Collect credit card and PayNow payments from your customers quickly and easily, with our no-code solution.

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Why use CardUp to collect payments?

Quick set up to start collecting credit card payments

Hassle-free setup

Start collecting credit card or PayNow payments from your customers in as fast as one business day. No tech skills or training required to get started!

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Easily manage your receivables

Improve the way you manage your receivables with our easy-to-use dashboard. See all past and outstanding payments at a glance.

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Be paid anytime, anywhere

Get paid in as fast as one business day by sharing custom online payment links. Less chasing when you enable customers to pay you at their convenience.

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Truly flexible pricing

Decide who pays the fee

Pay the processing fee for every credit card transaction or pass it on to your customers. The choice is yours. The other party gets to enjoy CardUp for free.

Sign up offer: 1% fee for first S$5,000 payment collection

No fees for anyone

It's not a typo. We just want you to enjoy using our platform and experience collecting payments seamlessly. It's that simple.

Completely free for PayNow

How it works

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1. Set up your account

Provide a few details about your business and we will approve your account for payment collection in as fast as one business day.

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2. Let customers pay you

Create custom payment links and share them with your customers. Easily enable them to pay you by credit card, without any technical integrations required.

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3. Track payments

Receive your incoming payments directly deposited into your bank account in as fast as one business day. Conveniently track each transaction with our easy-to-use dashboard.

Start collecting with CardUp for free

Collections via PayNow is completely free and via credit cards it's 1% fees (u.p. 2.6%) on the first S$5,000.

 
  • No setup costs or hidden fees
  • Licensed by MAS. Trusted by thousands.
  • Get started in 1 business day

Collecting payments is easy with CardUp

Big features to suit companies of all sizes

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CREDIT CARD

Accept all major credit cards

Improve your chances of getting paid on time by offering your customers their preferred way to pay — Be it with their Visa, Mastercard, China UnionPay or American Express credit cards. 

PAYNOW

Easily reconcile PayNow payments

Stop manually matching incoming PayNow payments against your invoices. Easily track and monitor every payment in one place, right alongside the credit card payments. 
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PAYMENT PAGES

Get paid from anywhere

Get a custom and secure payment URL to send to your customers. Plus, you decide whether you want to preset the invoice amount or leave it open for your customers to complete

NEXT DAY PAYOUT

Faster payment reconciliation

Choose to get paid in one or three business days, you decide! With faster access to cash and reduced margin requirements, you can now take advantage of more investment opportunities for your business to enjoy a better, smoother expense reconciliation at the of the month.

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CUSTOM APIs

Make payments work your way

Embed our solution onto your website, platform or app via our customisable APIs. Make your customers' payment experience a seamless and enjoyable one.

XERO PLUGIN

Plays well with your Xero account

Collect payments directly from auto-generated links on your Xero invoices. Once your customers pay, the invoice statuses will be seamlessly synced to your Xero account. Reconciliation made simple.

CardUp is integrated with Xero

More features to change the way you get paid

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Bulk invoicing

Create multiple payment requests at once

Get paid directly to your bank account

Direct deposit

Receive funds without a merchant account

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 future payments at once

Multiple digital payment method such as PayNow and credit card

Payment options

Accept card payments from all networks

Received payments in as fast as one business day

Next day payout

Receive funds to your bank account the next business day

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

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"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 Sure, 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 Sure
CEO | X0PA AI

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"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

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"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

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Have questions about using CardUp to collect payments?

Can my business use CardUp to collect payments?

How can collecting payments be free for my business?

How long does it take for me to receive my payments?

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Digitise your receivables today

Join the thousands of businesses that are already collecting digital payments with CardUp