Preloader - image
Exclusive to AEON Credit Cardholders:
Up to HK$2500 Spending Rebate*
Plus HK$0 handling fee on first HK$10,000 transaction amount on Reap
Pay rent, bill payments, tuition fees, home renovation fees and other expenses with credit cards
Visa -圖片萬事達卡-圖片萬事達卡-圖片美國運通信用卡-圖片
*The up to HK$2500 spending rebate will be provided by "AEON Spending Reward" promotion. Click here to learn more.
Subject to relevant terms and conditions. For details, please click here.

How it works

步驟1: 建立收款人-圖片

Register Reap and AEON's Program for free

First, after registering a Reap account, enter promo code: AEONREAP in "Reap for free" page to enjoy HK$0 handling fee on first HK$10,000 of transaction volume. Second, register for "AEON Spending Reward" on AEON mobile app to enjoy up to HK$2500 cash rebate.

步驟1: 建立收款人-圖片

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

步驟2: 新增信用卡-圖片

Add a credit card

Take full advantage of your credit card benefits. We accept all AEON Visa, MasterCard, and UnionPay cards

步驟3: 確認付款-圖片

Confirm payment

We’ll send your payment to your recipient’s bank account within 3 business days

Register for freeWhatsApp Us

Why AEON credit cardholders are choosing Reap?

Maximize your cashflow for up to 58 days longer - image

Turn your expenses into credit card points and enjoy one-stop personal finance management system

Use your credit card to earn points and cashback and manage your personal finance easier. Pay your rents, tuition fees, utilities. renovation fees, car purchase and other bills with credit cards, and extend your cashflow up to 58 days. Turn your cash expenses into credit card payments to earn air miles, cash rebates, points and rewards from every transactions. You can also save up some cash for emergency.

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

All-in-one platform - image
All-in-one online payment platform

Streamline your payments process in one, secure platform


僱主及僱員 門診費用減半



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

Spread the word

Reap的客戶:Pizza Box -圖片
Reap的客戶:Snaptee -圖片
Reap的客戶:BOOQED -圖片
Reap的客戶:Fly for Miles-圖片

Terms & Conditions of “REAP Payment Platform – Enjoy HK$0 handling fee on first HK$10,000 of transaction amount” (“The Promotion”)

1. The Promotion Period is from 16 November 2020 to 17 January 2021 (both dates inclusive) ("Promotion Period").
2. Eligible AEON Credit Card includes the credit cards and co-brand credit cards issued by AEON Credit Service (Asia) Co., Ltd. (“AEON”) (“Eligible Card”).
3. The Offer is not applicable for AEON JCB Credit Card.
4. Cardmembers must register as REAP user to enjoy The Promotion.
5. During the Promotion Period, Eligible Card member can enjoy HK$0 handling fee on first HK$10,000 transaction amount in settling expenses via REAP payment platform by Eligible Card and enter designated Promo Code “AEONREAP” (“The Offer”).
6. The Offer is only applicable to first HK$10,000 transaction amount within the Promotion Period.
7. Cardmembers must settle the full payment with Eligible Card in order to enjoy The Offer.
8. Promo Code cannot be used in conjunction with other offers provided by Reap Technologies Limited ("REAP").
9. The Offer will be valid for 30 days after Promo Code redemption. Promo Code will not be available after expires, it cannot be extended or updated.
10. The Offer is applicable to REAP's new and existing users. Each user can enjoy The Offer once only.
11. Eligible Card account must be in normal status and in good standing in order to enjoy The Offer.
12. AEON has the right to forfeit the qualification of The Promotion in any of the following situations: a) Eligible Card account is delinquent; or b) Eligible Card account is terminated; or c) Eligible Card account has deceptive behaviour related to the transaction.
13. AEON is not the supplier of the products and/or services and shall not be responsible for the quality of the products and/or services provided by suppliers.
14. AEON and REAP reserve the right to amend The Promotion, Terms and Conditions without prior notice. In case of any dispute, the decision of AEON and REAP shall be final.
15. All the transactions made through REAP payment platform is bound by REAP’s Terms of Service. For enquiries, please contact REAP customer service hotline at 2103 6544.
16. If there is any inconsistency or conflict between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.

Terms and conditions of "AEON Spending Reward - up to HK$2500 spending rebate"

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 we will transfer the payment from your credit card to your recipients’ bank account within 3 working days.

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 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 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