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Receive Credit Card Payments Online

We understand how difficult it is for SMEs, startups, and small businesses to get a business bank account. Here at Reap, you do not necessarily need a business bank account. Simply spend two minutes to register and start collecting your credit card payments online.

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Take your business online with Reap

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Free account registration

Collecting credit card payments online is free – What you collect is what you get

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Fast collection

Payments arrive directly into your bank account within 3 business days

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Accessible worldwide

Customers can use their favourite credit cards – All major brands accepted

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Easy setup

No merchant account, no payment gateway – Just 2 minutes to set up

How Reap Collect works

Custom web portal for your business

Get a dedicated web dashboard for your company. Customize the payment links and invoices sent to customers with your own unique URL and business logo

Ease of payments for your customers

Customers can open the payment link and pay from anywhere, through a mobile or web browser. It’s as simple as entering their preferred credit card to make payments instantly

Track and manage payment collections

Get an overview of all your payment collections: status of payments, export or upload information, and get email notifications in real time once payments are completed

Simple pricing


Domestic Visa / Mastercard / UnionPay

Visa logoMastercard logoMastercard logo
per transaction.
1.0% additional for international cards per transaction

American Express

Amex logo
per transaction

Reap Collect

per transaction.
* Additional flat rate of $2.35HKD per transaction

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

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Hong Kong dollar

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Singapore dollar

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United States dollar

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British pound

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Canadian dollar

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Chinese yuan

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Indonesian rupiah

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Japanese yen

South Korea

South Korean won

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Malaysian ringgit

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Thai baht

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Vietnamese dong

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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.”

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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.”

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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.”

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Jason Yeung

Co-founder of Strokes

Reap's rating score

4.5 / 5 on Google Reviews

Reap's client: Pizza Box - iamge
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Reap's client: Fly for Miles
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Frequently Asked Questions

What is a one-stop payment collection platform?

Reap provides online credit card payment collection service. You can manage all of your clients’ payments and customize your URL and receipts, offering you a platform to track and manage all payments collected.

Do I need to pay when I collect credit card payments?

Our handling fee for payment collection is simple – 2.9% of the payment plus $2.35 HKD. Same as Reap Pay, you will only need to pay a handling fee when the transaction is made. We will not charge you any extra fees for transferring money to your bank account.

Do I need a business bank account to use Reap?

No, Reap is here for the companies which do not have a business bank account.

What are the benefits of using Reap Collect?

We understand that receiving credit card payments online is one of the challenges for small businesses. Compared with other digital wallets, Reap does not require you or your clients to install any application. As long as you can connect to the internet, you can receive credit card payments online through our website.
Reap helps you to protect your privacy and ease your pain in accounting as well. You do not need to disclose your personal bank account information or worry about your clients entering the wrong bank account number. You can now separate your personal and business transactions and receive notifications after payments are collected.

What information do I need for opening a Reap Collect account?

You only need to give us your company name, the nature of business, website or social media account for your business, your business registration number, and some basic information about you. Once the information is verified, you can start collecting credit card payments online through us.

Can I use Reap to collect credit card payments online if I do not own a company?

No, we only accept SMEs and business clients only.

Why should I use Reap instead of other payment collection platforms?

Comparing with other payment collection platforms, Reap Collect offers a lower handling fee. It is also very common for other platforms to charge you another handling fee for transferring the collected money to your bank account. We are glad to save more for you by giving free transfers and helping you to start your business.

Get started with your first payment today

Start Collecting


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