Preloader - image

Pay Expenses with Credit Cards

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
Visa logoMastercard logoMastercard logoAmex logo
Use credit card to pay for any expenses - image

Why customers are choosing Reap

Maximize your cashflow for up to 58 days longer - image

Maximize your cashflow for up to 58 days longer

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

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 online payment 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 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

SME Recovery Plan - Special offers

Employee Salary

50% off

Enjoy 50% Off for Medical Consultation by BowtieGo

Valid til 31 July 2020



Commercial Rent

25% off

Promo code:
SMERENT19HK (for HK users)
SMERENT19SG (for SG users)

Valid til 31 July 2020
Learn more about commercial rent discount
COVID19 has caused unprecedented times, which brings lots of uncertainty. We’ve put together several programs to support our customers and the business community to get back on track. To kick this off, any commercial rents can be eligible for a 25% off Reap transaction fees on or before 31 July 2020.

Promotion details:
After you apply and log in to your Reap account, you have to enter the below promo codes before making payments. In the process of payment setup, you are required to upload a supporting document for the commercial rental such as an office or shop rental contract.

Promo codes:
SMERENT19HK (for Hong Kong users)
SMERENT19SG (for Singapore users)

Terms and conditions:
  • Reap new and existing users who have received this promo code are eligible to enjoy the 1.9% discounted fee on commercial rental payments to domestic recipients with due dates on or before 31 July 2020.
  • The promo code is also valid for payment scheduled to pay on or before 31 July 2020.
  • Users have to enter the above promo codes before submitting their payments at a discounted rate. Users should see it on the payment summary page for the initial legibility of the payment.
  • If a user fails to upload the eligible documents to support their commercial rental payments, Reap reserves the right to decline the payments and will refund the transaction.
  • The promo code is not valid to be used:
    -on any transactions made by American Express credit cards,
    -on any transactions made by international credit cards issued outside of Hong Kong and Singapore,
    -on any additional fees incurred for international payments to recipients outside of Hong Kong and Singapore,
    -on any additional fees incurred for Fast payment feature.
  • If this promo code is used in conjunction with any other discounts, the best discount rate will be selected and applied.

Simple pricing

Visa / Mastercard / UnionPay

Visa logoMastercard 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 logoMaybank logo
Exclusive Offer to All REAP Business Users
Pay any business expense on Reap with a Bank of East Asia credit card to enjoy up to HK$10,000 worth of transactions for free.
Learn more

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

Frequently Asked Questions

What is Reap?

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.

Why does Reap collect my HKID and transaction receipts?

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.

Is Reap free?

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.

How to use Reap to pay online?

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.

Is it safe to use Reap for online bill payments?

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.

What credit cards and bank accounts do Reap support?

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.

Can I use Reap to pay myself or my friends and family for cash withdrawal/advancement?

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.

Can I speed up my payments on Reap?

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.

What spending category is Reap Pay transaction categorized as in my credit cards?

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.

Get started with your first payment today


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
0% Handling Fee for BEA credit cardholders
Get it now
0% Fee for BEA credit cardholders