Transform the way you pay and get paid

Our no-code platform helps businesses improve cash flow, save time and automate finance processes.



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?

Our no-code platform helps businesses improve cash flow, save time and automate finance processes.

Payment dashboard viewed through laptop, payment made page viewed through phone
All-in-one payment platform

Whether you want to make a 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
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
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.

Change the way your business expenses are paid

Shift these expenses from cash, cheque or bank transfers onto credit cards - it's about time!

Pay rent


Pay payroll


Pay suppliers

Supplier Invoice

Pay insurance


Pay car loan

Car Loan

Pay season parking

Season Parking

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

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

Digitises and automates

Save precious hours each day by easily 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

Makes payments rewarding

Earn points, miles or cashback 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

Aeon Credit Service
Bank of China (Hong Kong) Logo
Bank of East Asia
China Citic Bank Logo
China Construction Bank
Citibank Logo
Dah Sing Bank Logo
DBS Logo
Hang Seng Bank Logo
Livi Bank Logo
Neat logo
OCBC Wing Hang Logo
PrimeCredit Logo
Standard Chartered Logo
Wirex Logo

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

Jerrold Quek
Chief Operating Officer | Far Ocean Group

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

Aviation Virtual logo

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

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

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

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

Pang Shi Kang
Financial Controller | Etonhouse

“We’ve saved about 16 man-hours per month now that our payroll to employees is automated via CardUp. We’re also able to use the additional cash on hand to prioritise business operations.”

GoBuddy Logo

Isaac Kow
Chief Executive Officer | GoBuddy

Team lead discussing business finance strategy with team
Etonhouse International School Logo
Paula's Choice Skincare Logo
the ice cream & cookie co Logo
Standing Sushi Bar Logo
Far Ocean Group Logo
CardUp is rated 4.9 out of 5 stars on Google Reviews

We’ve got your payment processes covered


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
Receive pop-up notification of payments received from customer


Change how you get paid

Improve how you collect receivables with no technological know-how or integrations needed. Start accepting payments by credit card and easily monitor all your receivables.

Businessman satisfied with paying business expenses using credit card

Simple, transparent pricing

Signing up for an account is free. Start making payments from as low as 0.8% per transaction or start collecting payments for free!

Security is at the core of our platform


We are licensed by the Hong Kong Customs and Excise Department (HKCED) and keep your data safe with our PCI-DSS compliant and 256-bit encrypted platform. What this means is that our platform meets the highest security standards to ensure that your payments are safe, secure and yours.

Still have questions about using CardUp?

Man with laptop with multiple expenses to pay for

We're ready to start working with you

Join thousands of other businesses already saving time and money when you sign up today