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.Get Reap freeLearn about making payments
Collecting credit card payments online is free – What you collect is what you get
Payments arrive directly into your bank account within 3 business days
Customers can use their favourite credit cards – All major brands accepted
No merchant account, no payment gateway – Just 2 minutes to set up
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
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
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
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 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.
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.
No, Reap is here for the companies which do not have a business bank account.
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.
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.
No, we only accept SMEs and business clients only.
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.