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Frequently Asked Questions

We exist for one purpose: to provide Reap customers the best possible experience. Have a question? Our team will help you find answers, whether through a reference document, email, phone call, or tweet

常見問題

我們希望能為你帶來最佳的體驗。有任何疑問?Reap 團隊會很樂意為你找到解答!

1. General

Q: What is Reap?

Reap is an online platform that let's you pay for any of your expenses using your credit card! Pay your expenses online easily and securely, save your cash by using credit, and receive rewards from your credit card!

Q: Is Reap secure?

We do everything to keep your information safe. All credit card and account information is stored in a Payment Card Industry Data Security Standard compliant network. Reap will not store bank account, credit card, or any other sensitive information on our site. Please visit our Security page for more details.

Q: Is Reap free?

Signing up for a Reap account is completely free! However, we do have a transaction fee for each payment made. To find out more about transaction pricing, click to see our Pricing

Q: Can I use Reap to accept payments from my customers?

We can help you out with that. Please contact us at [email protected] and we can work with your customers to start paying you on Reap.

Q: How do I get started making payments on Reap?

Please go to our dashboard to register for an account in less than a minute.

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1. 普通

問:Reap 是什麼?

Reap 是一個網上平台。透過我們的服務,你能用信用卡安全地支付所有支出,改善現金流,賺取現金回贈。

問:Reap 安全嗎?

我們竭力維護你的資料安全。所有信用卡、銀行帳戶及其他敏感資料會儲存於達 PCI 安全標準的系統上,而非於 Reap 的伺服器上。請查看我們的安全頁面

問:Reap 免費嗎?

你可以完全免費地在 Reap 上註冊!但我們會在每個款項上收取一定的手續費。如希望了解更多,請查看我們的價格頁面

問:我可以用 Reap 向我的客戶收取費用嗎?

Reap 可以幫你收取客戶費用,請電郵 [email protected]

問:我如何才能開始在 Reap 上付款?

你可以在 Dashboard 上註冊,只需一分鐘!

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2. Cards & Rewards

Q: What are the rewards for paying with credit card?

Most credit cards offer rewards such as miles, cash back, rebates for spending on that card. By using Reap to pay with that card, you are entitled to any rewards related to the payment!These may vary from card to card and is provided by the issuing bank.

Q: Does Reap accept all credit cards?

Reap currently supports all Visa, Mastercard and American Express. International cards may be accepted, but may incur extra charges depending on the card.

Q: How does a credit card give me an interest-free period?

Credit card statement cycles are 30-31 days, and then in addition, will provide you another grace period before payment is actually due. Combined, depending which day during the statement cycle you made the payment, you are getting up to almost 2 months of interest free financing.

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2. 信用卡及回贈

問:用信用卡付款的好處在哪裡?

大部分信用卡都提供回贈,包括里數、現金回贈等等。透過 Reap,你能用信用卡進行任何付款,賺取回贈。實際數字於每間發卡銀行皆會有所不同。

問:Reap 接受所有信用卡嗎?

Reap 現在接受 Visa、萬事達卡及美國運通。國際信用卡大多數能夠使用,但該卡可能會收取額外費用。

問:我的信用卡如何令我獲得免息資金?

信用卡帳項約於每 30-31 日結算,並提供一定時間予卡主還款。視乎付款日和結算日,兩段時間加總最多能給你近兩個月的免息資金。

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3. Payments

Q: Who can I pay? Do they need a Reap account?

You can pay anyone with a bank account! They don't need to sign up on Reap, and can be an individual or business, and will receive the funds in their bank account as usual.

Start making payments to anyone, by registering for an account in less than a minute on our dashboard.

Q: How long does it take to process a payment?

Your payment will be processed as soon as you enter your credit card details, however your recipient will receive the payment within 3 business days.

Q: What if my payment is rejected?

You may not have sufficient credit on the card you wish to use or your bank has declined the transaction. Alternatively, the information for the recipient you entered may not have been correct.

If you cannot determine a reason, please contact [email protected]

Q: Can I cancel a payment?

Depending on the status of the payment, it may be possible. Please contact [email protected]

Q: How will I know when the payment is completed?

You will receive an email notification confirming the payment, and the status of the payment will update in your dashboard to completed.

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3. 付款

問:我可以向誰付款?他們需要 Reap 帳戶嗎?

你可以向任何擁有銀行戶口的人付款!他們不需要在 Reap 上註冊,更不一定是商家。個人收款者亦能如常獲得款項。

你能於一分鐘內註冊,並開始向任何人付款。

問:單次付款約需多少時間處理?

你的款項會於提交資料後立刻開始處理,最多需要三個工作天。

問:我的款項為什麼會被拒絕?

你的信用卡可能信用額不足,或銀行拒絕你的款項。這亦有可能是收款者資訊錯誤所致。

如你希望了解拒絕付款的原因,請電郵至 [email protected]

問:我能取消付款嗎?

視乎款項處理進度,款項有機會能被取消。請電郵 [email protected]

問:成功付款後我有方法知道嗎?

]一旦付款完成,你會收到電郵通知。完成前你亦能在 Dashboard 上查看付款進度。

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4. API / Apps Integration

Q: What API / Apps Integrations does Reap offer?

We are working to bring integrations to some of your favourite SaaS softwares; including but not limited to Xero, Quickbooks, HR management tools, Inventory management tools etc. We will update the Features section to include which ones are available. Don't hesitate to let us know which integrations you would like to see.

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4. API / 集成

問:Reap 提供什麼 API 或集成?

我們正努力提供不同軟件的集成,包括 Xero、Quickbooks、人力資源軟件等。任何更新都會在服務頁面上發佈,我們也希望聽到你的提議!

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5. Cross-border

Q: How does Reap send payments internationally?



We will provide full-clarity on the exchange rate you are getting, and any standard Reap handling costs. There will be no hidden charges.
Similar to how Reap works with domestic payments, Reap will help you use your credit card to send payment directly to your recipients' bank account. The card will be charged in your local currency, and then we work with cost-effective foreign exchange service providers to give you competitive exchange rates to your recipients currency, to send the payment in their currency.

Q: What countries/currencies can I pay to?

Reap can help you pay cross-border using over 40 currencies. Please find the full list on our dashboard.

Q: How long does it take for my cross-border payment to arrive?

The speed of arrival will vary depending on the recipient country, and we will tell you when it should be expected at time of payment. Our service level aim is to complete all payments within 5 business days.

Q: Is there extra cost for cross-border payments?

We charge a standard rate for credit card processing, same as domestic payments. And then convert the charged amount into your recipients' preferred currency. There is no extra charge for cross-border payments.

Q: Do I need a different credit card?

No, Reap will charge you in your local currency, determined by which country you setup your account for. So Reap will handle the foreign exchange, and you won't have to pay the extra 2% the credit cards would charge you for paying a different currency. No extra FX costs will be on your credit card bill.

Q: Will the bank charge me extra for this?

No, what you see on the payment page is what you will see on your credit card statement. We are transparent with the fees, and your credit card bank will not charge you extra.

Q: Will I be able to use Reap Credits with cross-border payments?

Reap Credits currently only apply to domestic transfers. We will allow you to apply your credits on international transfers in the near future.

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5. 跨境付款

問:Reap 如何實現跨境付款?

與國內或區內付款一樣,Reap 會透過你的信用卡,直接匯款予收款者的銀行戶口。信用卡將被收取本地貨幣,並用貨幣服務商的優惠價格兌換至當地貨幣,令收款者收到所需貨幣。

Reap 會在匯率及收費上完全透明,不會牽涉任何隱藏附加費用

問:我能付款至哪些國家?

Reap 能為你跨境付款至超過 40 種貨幣的國家,請於 Dashboard 上查看完整列表。

問:我的跨境款項需要多久完成?

付款速度視乎收款國家而定,並於付款前通知估計時間。我們致力於在五個工作天內能匯款至全球任何國家。

問:跨境付款會有附加費嗎?

我們在跨境付款上收取與本地付款一樣的手續費,然後兌換至當地貨幣。當中不牽涉任何附加費。

問:我需要另外一張信用卡進行跨境付款嗎?

不需要。Reap 視乎信用卡發行地收取本地貨幣,並自動為你轉至當地貨幣。因此你不需繳交信用卡的 2% 貨幣轉換費用。

問:我的銀行會因此向我收取額外費用嗎?

不會。Reap 於收費上完全透明,因此於付款時所示的費用將與信用卡結算單上的費用一致。銀行或信用卡公司不會額外向你收費。

問:我可以在跨境款項上使用 Reap 積分嗎?

現時 Reap 積分只適用於本地付款,但未來你將能於跨境付款上使用。

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