We’re dropping fees on Reap Direct

Reap Card

Reap Pay

Expense Management

Posted by

Anushka

Jul 21, 2025

We’re growing fast - and cutting fees to say thanks

As Reap grows, we’re getting faster, leaner, and more efficient behind the scenes - all thanks to your support.

We’ve been working hard to streamline our infrastructure, cut out unnecessary complexity, and double down on what matters most: making money move as efficiently as possible.

Now, it’s time to pay it forward.

Starting July 21st, 2025, we’re rolling out a revised fee structure for Reap Direct - and it’s all in your favor.

Here’s the drop:

100% drop in Reap Card Collateral Stablecoin Repayment Fee → Dropping from 1.2% to FREE
37.5% drop in Reap Pay (using stablecoins) Fee → From 0.8% to 0.5%
72% drop in Reap Pay (via Reap Card) Fee → From 1.8% to 0.5%

Because when Reap wins, you win too.

We’re not just building tools - we’re building a system that scales with you. And thanks to the progress we’ve made on internal tooling, payment systems, and operational flows, we’re able to lower our costs - and pass those savings straight on to you.

Lower fees. Less friction. More freedom to run your financial operations the way you want.

What do you need to do?

Nothing at all. These changes kick in automatically on Monday, July 21st, right after the current repayment cycle ends.

Just keep using Reap as you normally do - only now, with smoother economics.

Thanks for building with us. The best is still ahead!

That’s not all. We’ve got one more surprise: meet the new Reap Card.

Sleeker, sharper, and better than ever - our redesigned Reap Card is now live.

While we were at slashing away repayment fees altogether, we thought we’d give you a new look while we’re at it.

Starting now, all newly issued cards (including replacements for expired ones) will feature the fresh look. We can’t wait for you to see (and swipe) it.