Preloader - image

Use your credit card to pay for rent, salaries, invoices and more

Extend your cash flow for up to 2 months, and earn air miles or cashback on all your transactions.

Get Reap freeLearn about Collecting payments
Visa logoMastercard logoAmex logo
Use credit card to pay for any expenses - image

Why 5000+ SMEs are choosing Reap

Maximize your cashflow for up to 58 days longer - image

Maximize your cashflow for up to 58 days longer

Access up to 58 days of interest-free financing on your existing credit cards, and ease payment terms by keeping your cash on hand to grow your business

How do I calculate my repayment period?
Earn rewards - image
Earn rewards

Earn air miles, cash back, or program points through your credit cards

Automate payments - image
Automate payments

Schedule recurring payments, track invoices, and reconcile information

Early payment discounts - image
Early payment discounts

Pay earlier and receive more favourable pricing from your suppliers

All-in-one platform - image
All-in-one platform

Streamline your payments process in one, secure platform

How Reap works

Step 1: Create a recipient - image

Create a recipient

Tell us which business you’d like to make a payment to, regardless of if they accept credit card payments or not

Step 2: Add a credit card - image

Add a credit card

Take full advantage of your credit card benefits. We accept all Visa, Mastercard, and American Express cards

Step 3: Confirm payment - image

Confirm payment

We’ll send your one-time or scheduled payment to your recipient’s bank account within 3 business days

Simple pricing

Visa / Mastercard

Visa logoMastercard logo
per transaction

American Express

Amex logo
per transaction

Save up to 3.5%

Earn rebates
cash back or travel rewards
Tax deduction
deductible on tax returns
Early payment discount
negotiable terms from suppliers

We support all major banks

HSBC logoStandard Chartered logoHang Seng Bank logoCiti Bank logoDBS logoICBC logoNCB logoOCBC Bank logoUOB logoBEA logoBOC logoBank of Communications logoChina Construction Bank logoChina Citic Bank International logoMaybank logo

Pay anyone, from anywhere

From Hong Kong and Singapore

Hong Kong - image

Hong Kong dollar

Singapore - image

Singapore dollar

United States - image

United States dollar

British - image

British pound

Canada - image

Canadian dollar

China - image

Chinese yuan

Indonesia - image

Indonesian rupiah

Japan - image

Japanese yen

South Korea

South Korean won

Malaysia - image

Malaysian ringgit

Thailand - image

Thai baht

Vietman - image

Vietnamese dong

Europe countries - image


Macau - image

Macanese pataca

What people say about Reap

“Reap is a quick and no fuss way to get additional liquidity via untapped credit card balance to grow your small business.”

Rick Wong's profile picture - image

Rick Wong

Founder of RWN Solutions

“The ability to leverage the credit card for payments traditionally unable to process via credit card is helpful… Crucial benefit that any startup or SME can definitely take advantage of.”

Charles Oh's profile picture - image

Charles Oh

Co-founder of Booqed

“I’ve used Reap for paying suppliers at my restaurant and rent. It has helped us manage our working capital more efficiently so we can focus on growth and save up a bigger cash buffer.”

Jason Yeung's profile picture - image

Jason Yeung

Co-founder of Strokes

Reap's rating score

4.5 / 5 on Google Reviews

Reap's client: Pizza Box - iamge
Reap's client: BOOQED - image
Reap's client: Fly for Miles
Reap's client: ziinlife! - image
Reap's client: Services Group - image

Get started with your first payment today

Get Reap free


Thank you! Your submission has been received!
Oops! Something went wrong, please try again.
Stay on top of the latest SME management, cash flow tips, trends, and best practices