You set up expense payments with Reap using your preferred credit card
Reap accepts all Visa, Mastercard and American Express. We add a small fee
Your Recipient receives their payment, at no cost within 2-3 business days
Redeem your flight with Air Miles or Cashback by paying your International suppliers, vendors or any business services with credit cards.
Authorise your Visa, Mastercard or AMEX credit card. Sit back and relax for the rest
Pay business services with credit card and settle the bill on time to advance your credit score! Become more competitive to your future borrowing
No more monthly reminder and clumsy handwriting.
Pay your business services even if they don’t accept cards
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
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.
If you own a business, you can join the hundreds of businesses using Reap to access instant credit and earn rewards.
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 firstname.lastname@example.org and we can clarify!
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.
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.
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.
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.
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.
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.
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
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.
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 email@example.com