Pay for rent, salary, utility bills, and other invoices with your personal or business credit cards now. Reap aims to help SMEs, online businesses, and startups to pay expenses with credit cards, and earn credit card rewards through these payments.Learn about Collecting payments
Reap can free you up from tight cashflow now. Use your credit card to pay for rent, salaries, invoices and more, access up to 58 days of interest-free financing and ease payment terms by keeping your cash on hand to grow your business
Earn air miles, cash back, or program points through your credit cards
Schedule recurring payments, track invoices, and reconcile information
Pay earlier and receive more favourable pricing from your suppliers
Streamline your payments process in one, secure platform
Tell us which business you’d like to make a payment to, regardless of if they accept credit card payments or not
Take full advantage of your credit card benefits. We accept all Visa, Mastercard cards
We’ll send your one-time or scheduled payment to your recipient’s bank account within 3 business days
From Hong Kong and Singapore
Hong Kong dollar
United States dollar
South Korean won
“Reap is a quick and no fuss way to get additional liquidity via untapped credit card balance to grow your small business.”
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.”
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.”
Co-founder of Strokes
Reap is a one-stop payment gateway, which aims to serve SMEs, online businesses, startups, and individual users. Simply provide us with the information of your recipients and the receipt of the transactions, and we will transfer the payment from your credit card to your recipients’ bank account within 3 working days.
We need to confirm your identity and verify the nature of your transaction to ensure you’re the rightful account owner and abiding by our terms of service. We do this to keep our platform safe for you, prevent financial crimes and comply with relevant anti-money laundering laws.
Yes, our registration is free! Reap Pay helps you to pay your bills with your credit cards, and we will only charge 2.6% of your payment when you pay through us. Simply give us some basic information about your recipients, and they will receive your payment in their bank accounts within 3 working days.
You only need to set up your account and log into it, then click “Payments” and fill out the form. The payment will be transferred to your recipients within 3 business days.
Yes, our security is the same as what banks are using right now, which is an encryption technique called AES-256. Your information will not be stored at our servers or cloud. Our servers are situated in secure ISO27001 compliant data centers, and we run services from the AWS cloud to protect from all web-based attacks and abuse. Be assured when you are enjoying our service.
You can pay in Visa, MasterCard, UnionPay, and Government Purchase Card (P Card), and all bank accounts all over the world (except for Iraq) are supported for receiving transfers from Reap. But note that there are some limitations on the nature of your payments, you can check your transactions here before paying with us.
Thank you for your support, however, Reap is designed to help users to replace cash payments with credit cards. Cashing withdrawal/cash advancement is not allowed due to our anti-financial crime and anti-money laundry policies.
Yes, you can. Adding an extra 0.3% handling fee you can transfer your payments to your recipient’s bank account in one business day.
Due to frequent changes in banks, we cannot guarantee the spending category here. We highly recommend you consider your Reap transactions as normal spending with basic rewards although some clients say that the banks classify Reap transactions as online spending.