About Nicki Ramsay, CEO

Eligibility to utilise Promo Code "MYNEWFREE20":
1. Users who have signed up for a CardUp Business account and have not yet scheduled any payment on CardUp (“Users”) are eligible to enjoy 0% CardUp fee on the first 2 business payments with a due date on or before 5 April 2022.("Offer").
2. The Offer is only valid on the first RM20,000 scheduled within the first 2 payments of a recurring series. The prevailing 2.25% fee will be applied to the rest of the payment(s) should the amount exceed RM20,000.
3. The payments must be scheduled on CardUp on or before 31 March 2022, at least 3 business days in advance of the due date to allow for processing time.
4. To enjoy the Offer, Users have to enter promo code MYNEWFREE20 during the “Schedule payment” process when setting up payment details. The discounted CardUp fee for the payment amount will be reflected before User confirms and submits payment.
5. The Offer can only be redeemed once at a company level. Companies with multiple Users may only redeem the Offer on the first payment set up on CardUp.
6. All payments are subject to be reviewed and additional documents may be requested to support the review.
7. Promo Codes are not applicable for use on:
  (a) payments made with credit cards issued outside of Malaysia.
  (b) any additional fees incurred for Next Day payments.
  (c) in conjunction with any other promotions, offers or discounts.

Nicki Ramsay is CEO and Founder of CardUp, a fast-growing payments platform based in Singapore. An expert in the payments industry, she has built digital payments products and previously worked in various leadership roles for American Express across both Asia Pacific and Europe. During this time, she held leadership roles including Head of Consumer Insight for APAC and Director of International Business Development.

She is seen as a thought leader in the fintech space, featured in media such as The Business Times, CNBC, MoneyFM89.3, Channel NewsAsia, and is a regular speaker at industry events including Money20/20 and the Singapore Fintech Festival. Nicki started her career as a management consultant at Deloitte Consulting, after graduating with a first-class degree in Economics.