We accept all major credit card

Reap is a digital platform that enables you and your business to get instant credit to pay your international suppliers, vendors or any business services in 40 currencies using your credit cards to improve cash flow and maintain liquidity
2.6% fee
2.6% fee
3.5% fee

How does it work?

Make fast and secure payments on our platform that enables you to do one-off, automatic or future-dated payments to pay your international business services
Tell us who you want to pay

You set up expense payments with Reap using your preferred credit card

Add a credit card

Reap accepts all Visa, Mastercard and American Express. We add a small fee

Done ! Recipient
receives payment

Your Recipient receives their payment, at no cost within 2-3 business days

Calculate the untapped card benefits you can earn with Reap

Benefits you couldn’t resist

Earn Rewards

Redeem your flight with Air Miles or Cashback by paying your International suppliers, vendors or any business services with credit cards.

Secured Payment

Authorise your Visa, Mastercard or AMEX credit card. Sit back and relax for the rest

Maintain Healthy Credit

Pay business services with credit card and settle the bill on time to advance your credit score! Become more competitive to your future borrowing

Retire Your Paper Checks

No more monthly reminder and clumsy handwriting.
Pay your business services even if they don’t accept cards

Protecting your data and payment
is our first priority
Secure Infrastructure for Payment Processing and Account Data

"I’ve been using Reap to pay my International suppliers for a while now and it’s pretty good! I’ll be happy to recommend to others."

Jessy Jones

"Reap is a quick and no fuss way to get additional liquidity via untapped credit card balance to grow your small business."

Rick Wong
CEO @ RWN Solution

"Great service, great team 👍👍10/10 would recommend"

Alyssa Victoria

Surprisingly easy to use! I run a small local business and I can finally use credit card to pay my International suppliers every month and occasionally invoices.

Hon Keung

Frequently asked questions

Is Reap free to use?

Signing up for a Reap account is completely free! However, we do have a transaction fee for each payment made. To find out more about transaction pricing, click to see our Pricing

What kinds of expenses can I use Reap to pay?

Reap allows individuals and businesses to pay for any verified goods or services globally (~40 different currencies) even if the receiving side doesn’t accept cards.

The recipient (who you’d like to pay):
does not need to setup a Reap account
receives funds in their preferred method (mainly bank transfers)most of the time,
does not even realize that you're using a separate provider to pay


We often get asked questions what kind of expenses we can support and the relevant supporting documents required for each expense category. To help answer this question, we’ve broken down some of the most popular expense categories and the relevant support document for each below.

Personal Expenses

Business Expenses

If you own a business, you can join the hundreds of businesses using Reap to access instant credit and earn rewards.

A good general rule of thumb is that payment must be related to a specific, unbundled underlying good or service.

What are some restricted payments I CANNOT use Reap for?

Restricted payment categories may be imposed through Network Rules or the requirements of our Financial Services Providers. In certain cases, payment categories listed below may be eligible for processing with explicit prior approval from Reap. Note, however, that payments related to illegal products or services are never eligible to use the Reap Services. The types of payments listed in the right column are representative, but not exhaustive. If you are uncertain as to whether your payments is a restricted payment, or have questions about how these requirements apply to you, please contact us.

At the end of the day, we are not a peer-to-peer payment service. In order to support payments that appear as such, we will require documentation that outlines the goods or services provided.

If you’re unsure, please feel free to shoot us a line at hello@reap.global and we can clarify!

Does my International suppliers, vendors need a bank or a Reap account to receive the money?

With Reap you can pay anyone with a bank account! They don't need to sign up on Reap, and can be an individual or business, and will receive the funds in their bank account as usual.
Start making payments to anyone, by registering for an account in less than a minute on our dashboard.

How does Reap send payments internationally?

We will provide full-clarity on the exchange rate you are getting, and any standard Reap handling costs. There will be no hidden charges.
Similar to how Reap works with domestic payments, Reap will help you use your credit card to send payment directly to your recipients' bank account. The card will be charged in your local currency, and then we work with cost-effective foreign exchange service providers to give you competitive exchange rates to your recipients currency, to send the payment in their currency.

How long does it take for my cross-border payment to arrive?

The speed of arrival will vary depending on the recipient country, and we will tell you when it should be expected at time of payment. Our service level aim is to complete all payments within 5 business days.

Is there extra cost for cross-border payments?

No, Reap will charge you in your local currency, determined by which country you setup your account for. So Reap will handle the foreign exchange, and you won't have to pay the extra 2% the credit cards would charge you for paying a different currency. No extra FX costs will be on your credit card bill.

Do I need a different credit card for cross-border payments?

We charge a standard rate for credit card processing, same as domestic payments. And then convert the charged amount into your recipients' preferred currency. There is no extra charge for cross-border payments.

Will the bank charge me extra for cross-border payments?

No, what you see on the payment page is what you will see on your credit card statement. We are transparent with the fees, and your credit card bank will not charge you extra.

What are the rewards for paying with credit card using Reap platform?

Most credit cards offer rewards such as miles, cash back, rebates for spending on that card. By using Reap to pay with that card, you are entitled to any rewards related to the payment!
These may vary from card to card and is provided by the issuing bank.
Calculate the untapped card benefits you can earn with Reap here

Does Reap store my credit card information?

We take your concern about security seriously. Reap does NOT store your card information except the card issuing bank and last 4 digits. Transactions are processed by the payment gateway with PCI DSS compliance. Your data is secured by AES-256 encryption techniques to encrypt data encryption as banking standard.

What shall I do if I fail to pay my International suppliers, vendors or any business services?
What if my credit card does not have enough limits to pay my rent?

If your card has been stolen or terminated, please contact your bank to identify the problem or replace a new card. Or if you may not have enough credit available on the card, please settle the outstanding balance.
You may not have sufficient credit on the card you wish to use or your bank has declined the transaction. Alternatively, the information for the recipient you entered may not have been correct.
If you cannot determine a reason, please contact hello@reap.hk

Still have more questions?
Check out our Security Page or contact us for more information.

Award

FinTech Awards 2018 in Lending 

Outstanding Online Credit Card Payment Platform
Have other bills to pay?
You can pay virtually any bill through Reap
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