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The smartest way to make business payments

Tap into your available credit card limit and digitise your payment processes for any business expense.

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

Why use CardUp for your business payments?

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 and automate

Digitise and automate

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

Enjoy the gift of more rewards

Earn rewards

Earn up to miles, points or cashback on business expenses you're already paying for.

Paula's Choice
Standing Sushi Bar
Far Ocean Group
ice cream cookie co
Chew Kee
TREOO logo

How it works

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

Scan your invoices, verify the recipient information and enter your card 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
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 fast as one business day. 

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


Pay Supplier Invoice

Supplier Invoice

Pay Payroll


Man thinking in a business meeting

New User Promotion: 0% fees!

Enjoy 0% fees on any business expense when you submit your details below:

Business payments made simple with CardUp


Pay on time, every time

Gone are the days of setting up payment reminders. Set up a recurring payment on CardUp and never worry about late fees again. You may even get an early payment discount from your suppliers!

2021 Calendar indicating recurring payments scheduled on credit card
Refer a friend


Share your love of card rewards

Get up to RM9,000 off your CardUp fees when you refer friends or businesses to our platform. They get RM450 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

Reliable support

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

Recurring Payments

Flexible Schedules

Set up one-off or recurring payments in advance

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 cards

Manage multiple cards

Add and choose the right cards for each payment

Businessman satisfied with paying business expenses using credit card

Simple, transparent pricing

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

Join the thousands of businesses who already trust CardUp

Portrait image of Michael Finn, The Fifth Collection

"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

"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

Dr Chong AV Photo

"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

"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

Chew Kee Pte Ltd Logo

"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

"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

"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

GoBuddy 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.”

Isaac Kow
Chief Executive Officer | GoBuddy

CardUp is rated 4.9 out of 5 on Google Reviews

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?

Businessman in office, working on iPad

Manage your business expenses better

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