About CardUp
CardUp is a no-code payment platform that enables businesses and individuals to make and collect payments via credit card and PayNow. It helps optimize cash flow, automate finance processes, and earn card rewards on expenses.
CardUp is a versatile payment platform designed to help businesses and individuals optimize cash flow by shifting expenses—such as rent, payroll, and supplier invoices—onto credit cards, even where cards are not traditionally accepted. By enabling users to pay via credit card and collect via PayNow or card, CardUp acts as a bridge that digitizes manual payment processes. The platform is particularly useful for businesses looking to extend payment terms, earn rewards like cashback or miles, and automate reconciliation through integrations with accounting software like Xero. Its no-code approach means users can get started quickly without complex technical setups. While the platform offers significant flexibility in payment collection—allowing businesses to decide whether they or their customers pay the transaction fee—users should note that fees vary based on payment type and card issuer. With a strong focus on security, CardUp is licensed by the Monetary Authority of Singapore (MAS) and maintains PCI-DSS compliance, making it a reliable choice for businesses of all sizes seeking to modernize their financial operations.
Pros & Cons
- +Enables credit card payments for expenses that traditionally do not accept them.
- +Helps businesses extend payment terms and improve cash flow management.
- +Offers flexible fee structures for payment collection, allowing businesses to pass costs to customers.
- +Integrates seamlessly with accounting software like Xero for automated reconciliation.
- +Provides a no-code solution that requires no technical implementation or setup fees.
- −Standard transaction fees apply, which may vary based on card type and payment category.
- −International card payments are subject to higher processing fees than domestic ones.
- −Certain payment types or high-value prepayments may have specific eligibility requirements.
- −Rewards eligibility depends on the specific terms and conditions of the user's card issuer.
Features
Key features
- Payment Scheduling
- Automate recurring payments for rent, payroll, and supplier invoices to ensure on-time delivery.
- Credit Card Enablement
- Shift expenses traditionally paid by cash, cheque, or bank transfer onto credit cards to earn rewards.
- Invoice Digitisation
- Upload and convert physical invoices into digital payments in bulk to minimize manual data entry.
- Payment Collection
- Accept credit card and PayNow payments from customers via custom payment links without technical integration.
- Accounting Reconciliation
- Sync payment data automatically with accounting software like Xero to streamline financial record-keeping.
Additional features
- International Payments
- Send money overseas with real market exchange rates and lower fees.
- Next Day Payouts
- Receive collected funds into your bank account as early as the next business day.
- Team Management
- Assign roles to different team members to collaborate on business spend.
- Dashboard Monitoring
- Track all past and upcoming scheduled payments on a single centralized page.
- Real-time Updates
- Receive payment status alerts via email and SMS.
- Custom APIs
- Embed payment solutions directly into your website, platform, or app.
- Xero Plugin
- Connect directly with Xero to sync invoice statuses and automate reconciliation.
- Rewards Calculator
- Estimate potential miles or cashback earnings on business expenses.
- Bulk Invoice Upload
- Forward invoices via email or upload them in bulk to the platform.
Pricing
Countries & Languages
Interface languages
Billing currencies
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About CardUp
CardUp is a no-code payment platform that enables businesses and individuals to make and collect payments via credit card and PayNow. It helps optimize cash flow, automate finance processes, and earn card rewards on expenses.
CardUp Details
CardUp's In-App Market Place
Does CardUp have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
5
Mini Apps
1. CardUp Xero Integration - Allows users to seamlessly sync their CardUp transactions with Xero accounting software.
2. CardUp QuickBooks Integration - Enables users to integrate CardUp transactions with QuickBooks accounting software for easy management.
3. CardUp Zapier Integration - Connects CardUp with other apps on the Zapier platform to automate workflows and streamline processes.
4. CardUp Salesforce Integration - Integrates CardUp with Salesforce CRM to track payment-related data within Salesforce for better customer management.
5. CardUp HubSpot Integration - Connects CardUp with HubSpot CRM to manage payments and customer data in one centralized platform.
Pricing Options
Accepted Payment Currencies
USD ($), SGD (S$), AUD (A$), EUR (€), GBP (£), HKD (HK$), JPY (¥), MYR (RM), TWD (NT$), THB (฿)
Pros & Cons
- Enables credit card payments for expenses that traditionally do not accept them.
- Helps businesses extend payment terms and improve cash flow management.
- Offers flexible fee structures for payment collection, allowing businesses to pass costs to customers.
- Integrates seamlessly with accounting software like Xero for automated reconciliation.
- Provides a no-code solution that requires no technical implementation or setup fees.
- Standard transaction fees apply, which may vary based on card type and payment category.
- International card payments are subject to higher processing fees than domestic ones.
- Certain payment types or high-value prepayments may have specific eligibility requirements.
- Rewards eligibility depends on the specific terms and conditions of the user's card issuer.
CardUp's Support Options
Email Address
hello@cardup.coDocumentation
https://help.cardup.co/hc/en-usCardUp's Alternatives
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