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Exclusive to Dah Sing Credit Cardholders
Reap transaction fee waiver
Pay rent, bill payments, tuition fees, home renovation fees, and other expenses on Reap for free with DSB credit cards
Visa -圖片萬事達卡-圖片美國運通信用卡-圖片
Subject to relevant terms and conditions. For details, please click here.

How Reap works

步驟1: 建立收款人-圖片

Register Reap for free

After registering a Reap account, enter promo code: DSBREAP20 to enjoy $10,000 transaction fee waiver

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 Visa, Mastercard cards

步驟3: 確認付款-圖片

Confirm payment

We’ll send your one-time or scheduled payment to your recipient’s bank account within 3 business days

Register for freeWhatsApp Us

Why over 9000 users 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 and conditions

1. Reap users need to apply promo code [ DSBREAP20 ] before completing their payment in order to enjoy this offer.
2. The promotion will be available to redeem from 1st Sep 2020 to 31st Oct 2020.
3. This promotion will be valid for 30 days after redemption.
4. This promotion applies to Reap’s new and existing users.
5. This promotion applies to credit cards issued by Dah Sing Bank only.
6. The promotion is not valid to be used:
     a) on any transactions made by international credit cards issued outside of Hong Kong;
     b) on any additional fees incurred for international payments to recipients outside of Hong Kong;
     c) on any additional fees incurred for Fast payment feature.
7. In the case of any disputes, Reap and Dah Sing Bank reserve the right of final decision.
8. The Offers only apply to customers holding Principal Card or Supplementary Card of the credit card(including UnionPay Dual Currency Credit Card) or Co-brand Card ("Eligible Card") issued by Dah Sing Bank, Limited ("the Bank") ("Eligible Cardholders"). The Bank's Cash Card, Corporate Card, Purchasing Card, Business Card, Gift Card, Private Label Card, "Smart Choice" Balance Transfer Program and Cash Conversion Plan Account are not eligible.
9. Eligible Cardholders must settle payment with an Eligible Card in order to be eligible for the Offers.

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 and MasterCard, 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


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