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Make payday a great day for everyone

Pay employees using your credit card. They get paid on time while you only pay when your credit card bill is due 2 months later.

Pay business rent, supplier invoice, payroll, tax and more via CardUp's online platform

Payday for your team, benefits for your company

Cash on hand

Keep more cash on hand

Defer payments for up to 2 months when you use your credit card. CardUp is cheaper and faster than many other financing tools.

Digitise your physical invoice and automate payments to save time

Digitise and automate

Save up to 50% of your time by easily automating your payroll payout with our invoice tools. No training or tech skills required.

Enjoy the gift of more rewards

Earn rewards

Earn miles, points and cashback on your payroll payments and more.

Paulas Choice
Far Ocean
Chew Kee
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TFC Logo

"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."

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Isaac Kow | GoBuddy

How it works

Review payment details and final payment amount, and pay with your credit card
1. Set up a payment

Input payroll details, verify recipient information and enter your card details. You can pay any employee, even if they don't use CardUp. 

Pay using your credit card through CardUp, and CardUp transfer the payment to recipient via bank transfer
2. Employee gets paid

The payment is charged directly to your card with a small CardUp fee. CardUp will credit the amount into your company bank account to disburse to employees.

Earn more rewards and savings from business payments
3. Enjoy card benefits

Get up to 2 months of interest-free working capital when you pay with your card. You can also start earning rewards such as points, cashback and miles.

Pay virtually any business expense by card

Transform the way you pay - shift these payments onto your card and make full use of your pre-approved credit line

Pay rent

Rent and rental deposit

Pay Payroll


Pay Supplier Invoice

Supplier invoice

Pay Insurance


Pay Car Loan

Car loan

Pay Season parking

Season parking

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New User Promotion: 0% fees!

Try us out for free. We're confident that your cash flow will improve. Get in touch with us below.

Payroll made rewarding with CardUp


Pay on time, every time

Paying each employee manually every time? Set up recurring payments on CardUp and your employees will be paid automatically each time.

2021 Calendar indicating recurring payments scheduled on credit card
CardUp Referral program


Share your love of card rewards

Get up to S$4,000 off your CardUp fees when you refer friends or businesses to our platform. They get up to S$200 off their first payment and also start earning credit card rewards where they couldn't previously!

Even more features to transform the way you pay

CardUp's reliable customer support agent

Reliable support

Get friendly support from our team every step of the way

Add team member and assign roles

Team management

Assign roles to different team members

Pay using credit card within next day

Next day payments

Pay your invoices in as quickly as one business day

View all payments on one online dashboard

Dashboard monitoring

See all past and upcoming scheduled payments on one page

Get real-time updates easily

Real-time updates

Receive payment status updates and alerts via email and SMS

Add multiple credit cards on CardUp platform

Manage multiple cards

Add and choose the right cards for each payment

Businessman satisfied with paying business expenses using credit card

Transparent pricing, no hidden fees

Access one of the fastest and most convenient sources of working capital. 0% fee to start making payments. No hidden cost or setup fee!

Have questions about using CardUp for your payments?

What business payments can I make with CardUp?

How does using my credit card free up my cash flow for 2 months?

Will I earn rewards on my credit card for payments made through CardUp?

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Manage your business expenses better

Join businesses across 40 industries that have optimised their business expenses with CardUp