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Terms and Conditions for Collect Offer 2023 - 0% fee for credit card payment collections

Eligibility to participate:

  1. CardUp users who have signed up for a business account and have never collected any payments before, or existing CardUp users who have been targeted by CardUp (“Business User”) are eligible to enjoy 0% fee for all credit card payment collections ("Offer"), in accordance with the following Terms & Conditions
  2. The Business User is an authorised person signing up on behalf of an active local company. A Company Registration number must be provided when setting up a business account
  3. The Business User must complete the CardUp Collect setup to enable payment collection via the platform ("Collector"). Once the set-up is approved, the Collector will be able to start collecting credit card payments via the payment link provided
  4. There is no offer code required to enjoy the Offer
  5. The Offer is valid on payments collected via the Collector’s payment link as per the following conditions:
    (a) for all payments
    (b) and up to the first HK$18,000 for credit card payments made with any domestic or international Visa, MasterCard, China UnionPay Card, as long as these card types have been enabled in the Collector’s account
  6. The Offer is valid during the “offer period” which must occur during the “campaign period”:
    (a) The “campaign period” is between 1 February, 2023 and 31 March, 2023, both dates inclusive
    (b) The “offer period” commences forty-five (45) days from the date that CardUp Collect setup is fully verified and approved by CardUp. The offer will end at 23:59:59 HKT on the forty-fifth (45th) day.
    (c) For the purposes of illustration: if a Collector’s account is fully verified and approved by CardUp on February 1st 2023, the Collector can redeem the offer until March 17th, 2023
  7. For credit card payment collections
    (a) there is no minimum amount per payment required within the HK$18,000 limit
    (b) any payments collected that exceed the HK$18,000 limit are subjected to (i) the prevailing minimum fee of HK$30, for payments less than HK$1,000 or the standard processing fee of 2.6%, for payments greater than HK$1,000 for domestic credit card payments, (ii) the prevailing minimum fee of HK$30, for payments less than HK$1,000, or the standard processing fee of 3.5%, for payments greater than HK$1,000 for international credit card payments
    (c) The prevailing fees can be absorbed by the Collector or passed on to the Collector’s customers (“Payors”). The Collector must indicate at account set up whether the prevailing fees are to be borne by the Collector or the Payor — this can be updated any time by contacting
  8. The Offer is not valid for payments collected via CardUp's API
  9. The Offer is not valid in conjunction with any other promotions, offers, or discounts


General Terms

  1. CardUp shall be entitled to withdraw or substitute the CardUp credit with items or rewards of similar value at its sole discretion without prior notice and without giving any reason for the same

  2. CardUp reserves the right to terminate the Promotion, or to vary, delete or add to any of these Terms and Conditions from time to time at its absolute discretion (including without limitation the terms relating to the eligibility of any Participant and the dates of the Promotion)

  3. CardUp’s decision on all matters relating to this Promotion will be final, conclusive and binding on all Participants, and no correspondence shall be entertained. In the event of any inconsistency between these Terms and Conditions and any brochure, marketing or promotional material relating to the Promotion, these Terms and Conditions will prevail

  4. CardUp, its employees and campaign organisers shall not be liable for any loss, damage, or any injury that may be sustained by the Participant or by any person in connection with the Promotion. Without limiting the foregoing, CardUp is not responsible for the loss of any Promotional Gift for which the Referrer is eligible

  5. The Participant acknowledges and agrees that the collection, use, storage and disclosure of his/her personal data shall be governed by the terms of CardUp’s Privacy Policy. The Participant shall be responsible for obtaining, and warrants that it has obtained, the consent of the Referee(s) for the provision of the Referee(s) personal data to CardUp, and to the collection, use and storage of such personal data in accordance with CardUp’s Privacy Policy. CardUp may inform the Referee(s) that the Referee’s/Referees’ personal data is collected from the Participant

  6. The Participant acknowledges and agrees that, in addition to the above-mentioned terms, they must abide by the requirements of CardUp’s general Terms of Service

  7. "CardUp" refers to CardUp HK Limited, a company registered in Hong Kong

  8. These Terms of Service, all matters relating to your use of our website at and all matters relating to the use of the CardUp service shall be governed by, and construed in accordance with, the laws of Hong Kong Special Administrative Region.  By using the CardUp service you submit to the exclusive jurisdiction of the Courts of Hong Kong Special Administrative Region

  9. To borrow or not to borrow? Borrow only if you can repay!