Join your friend on CardUp and redeem your gift
On CardUp, you can now make and collect payments digitally with your credit card even in places where cards are traditionally not accepted.
![Website-Images-home-big-small-business](https://www.cardup.co/hubfs/Website-Images-home-big-small-business.png)
How it works
![Review payment details and final payment amount, and pay with your credit card Review payment details and final payment amount, and pay with your credit card](https://www.cardup.co/hs-fs/hubfs/2.%20Business%20payment-step-v2.gif?width=1200&name=2.%20Business%20payment-step-v2.gif)
1. Set up a payment
Sign up for a free account and enter the payment and recipient 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 Pay using your credit card through CardUp, and CardUp transfer the payment to recipient via bank transfer](https://www.cardup.co/hubfs/General-step-2.gif)
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 quickly as one business day.
![Enjoy cash back into bank, and credit card miles for next flight Enjoy cash back into bank, and credit card miles for next flight](https://www.cardup.co/hs-fs/hubfs/1.-General-step-3-1.gif?width=1000&height=1000&name=1.-General-step-3-1.gif)
3. Rack up your rewards
Sit back, relax and earn the rewards on your favourite credit cards from these payments. Here's to more miles, points and cashback!
Participate in our referral program to...
![Handshake_Monochromatic](https://www.cardup.co/hubfs/Handshake_Monochromatic.png)
Save S$200 for each business user referred
Refer a new business user to CardUp and they will enjoy S$200 off the CardUp fee on their first payment*. You will also enjoy S$200 off your next payment* for each successful referral.
Limited time offer: save S$200 (usual S$100) ends 31 December 2024
![7c0d3ee4-collect-illus_11960yi0sy0k008m07e028](https://www.cardup.co/hubfs/7c0d3ee4-collect-illus_11960yi0sy0k008m07e028.png)
Save S$30 for each personal user referred
Refer a new business user to CardUp and they will enjoy S$30 off the CardUp fee on their first payment*. You will also enjoy S$30 off your next payment* for each successful referral.
Limited time offer: save S$30 (usual S$20) ends 31 December 2024
*Limited to the first 20 Referees for per Referrer, regardless if the Referee is a Personal or Business User.
How our referral program works
01 Share your code
Share your unique invite code** with your friend and contacts - they will enjoy S$200 off the CardUp fee on the first payment* if they are a new business user, and S$30 off if they are a new personal user.
02 They make a payment
After your friend’s first payment is completed using your code, you will receive an email with a referral success promo code for S$30 off the CardUp fee on your next payment* if you referred a personal user, and S$200 off if you referred a business user.
03 Use your promo code
Use your referral success code on your next payment* for up to S$200 off the CardUp fee. Your invite promo code can be used by up to 20 friends in total - which means you could save up to S$4,000!
**Sign up for a CardUp account and go to the Referral Program page to share your Invite Promo Code.
*Referral Program terms & conditions apply
Earn more rewards and free up more cash on hand
Earn rewards and leverage on your pre-approved credit line to extend your payables by up to 2-months!
![Pay your renovation payments](https://www.cardup.co/hs-fs/hubfs/renovation-1.png?width=75&name=renovation-1.png)
Renovation
![Pay education fees](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-education-icon.png?width=75&name=Payment-type-education-icon.png)
Education
![Pay insurance](https://www.cardup.co/hs-fs/hubfs/Payment%20Type%20Icons%20(2021)/Payment-type-Insurance-icon.png?width=75&name=Payment-type-Insurance-icon.png)
Insurance
![Pay your payroll](https://www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_2.%20Payroll-1.png?width=75&name=12417_Brand%20Icons_2.%20Payroll-1.png)
Payroll
![Pay your supplier invoice](https://www.cardup.co/hs-fs/hubfs/12417_Brand%20Icons_invoice.png?width=75&name=12417_Brand%20Icons_invoice.png)
Supplier Invoice
![Pay your rent payments on CardUp](https://www.cardup.co/hs-fs/hubfs/12417_Brand-Icons_1.-Rent-1.png?width=75&name=12417_Brand-Icons_1.-Rent-1.png)
Rent
Join the thousands of businesses who already trust CardUp
![Portrait image of Michael Finn, The Fifth Collection](https://www.cardup.co/hubfs/TFC.png)
"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](https://www.cardup.co/hubfs/Paulas%20Choice-2.png)
"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](https://www.cardup.co/hubfs/AV%20Photo.png)
"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](https://www.cardup.co/hubfs/Nina-1.png)
"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
![Chew Kee Pte Ltd Logo](https://www.cardup.co/hubfs/Chew%20Kee-1.png)
"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](https://www.cardup.co/hubfs/far-ocean-group-jerrold-round.png)
"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](https://www.cardup.co/hubfs/Crowd.png)
"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](https://www.cardup.co/hubfs/Star%20rating%20w%20text-new.png)