• visa
  • Mastercard
  • CardUp accepts all major cards

See how CardUp helps with your business cash flow

With CardUp, your business can make use of your available credit limit for interest-free payment terms, conserving more cash!

WC 1

Jason receives an invoice from his supplier with a 30-day payment term

WC 2

He charges the invoice amount to his credit card via CardUp, and his supplier receives the payment on time via a bank transfer

WC 3

His credit card statement arrives at the start of the next month, and is only due 30 days later

WC 4

Jason pays off his statement when it is due, extending his invoice payment terms by up to 58 days, interest-free!

Join the thousands of businesses already using CardUp to optimise working capital

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How CardUp works

  • 1

    Set up payment

    Enter your payment details. Payments can be made in advance, or on recurring schedules.

  • 2

    Credit card charged

    CardUp charges your card plus a CardUp fee three business days before your payment due date.

  • 3

    Recipient gets paid

    Your recipient receives the funds by bank transfer, without the need to register with CardUp.

  • 4

    You pay back later

    While your recipient has already received your payment on time, you only pay when your next credit card bill is due.

Simple fee structure
No sign up fees. No hidden costs. Only pay per transaction when you use CardUp.

More features that users love

Flexible Schedule

Flexible schedule

Set up one-off payments or schedule them in advance, or even on a recurring schedule

Dashboard View

Dashboard view

Monitor all past and upcoming payments on your personal dashboard

Real time updates

Real-time updates

Receive real-time payment status updates via email and SMS

Simple pricing

Simple pricing

From 2.25% fee per transaction, with no separate set up fee

Bulk upload

Bulk upload

Turn hundreds of invoices into payments within seconds via bulk upload

Reliable support

Reliable support

Get professional phone and email support from our team to help you in every step

There’s more to using CardUp


Digitise and automate your payments

Remove cheque and cash payments, save time and simplify your payment processes


Accept card payments for your business

Let your customers pay by card with no fees or hassle for your business