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0% Handling Fee for BEA credit cardholder
Making large payments for rent, supplies or salaries? If your recipient only accepts cash, cheque, bank transfer or FPS, we can facilitate it as a credit card payment via the Reap Platform.

Enter the promo code "BEAREAP2" when using a BEA credit card to pay on Reap, and you can enjoy our 0% handling fee offer* and an interest-free period of up to 56 days; releasing your cash for more opportunities!
*TnC Apply
To borrow or not to borrow? Borrow only if you can repay!
**The Offer is only available for 30 calendar days after Activation or
the end of the Promotion Period, whichever is earlier
(for example, an Offer activated on 1 March 2021
will only be available until 30 March 2021.**

Terms and Conditions of BEA X Reap Exclusive Offer Promotion

1. The 0% handling fee offer (the “Offer”) is available to cardholders settling Reap payments in full using Hong Kong Bank of East Asia (“BEA”) credit cards (“BEA Cardholders”).
2. BEA Cardholders may activate the Offer by entering the promotion code: “BEAREAP2” on the Reap website under the “Promo Code” section after logging in or signing up for a Reap account (“Activation”).
3. Promotion Period: The Promotion Period is from 1 March 2021 to 30 April 2021. This means that the last day to create payments in order to receive the Offer is 30 April 2021 with payment arrival date scheduled on or before 5 May 2021.
4. Promo Code Activation: The Offer is only available for 30 calendar days after Activation or the end of the Promotion Period, whichever is earlier (for example, an Offer activated on 1 March 2021 will only be available until 30 March 2021. An Offer activated on 30 April 2021 will only be available until the end of that day). The validity period of the promotion code cannot be extended or renewed if it expires, and the Offer can only be Activated once.
5. Regardless of the number of transactions made during the Promotion using BEA credit cards, the Offer is only available for the first HK$10,000 aggregate transaction volume. The applicable service fee with all relevant Offers already applied will be shown clearly on the Reap payment checkout summary page.
6. Offer is also not valid for any of the following: (a) transactions made using BEA credit cards not issued in Hong Kong; (b) additional fees incurred for international payments to recipients outside of Hong Kong; (c) additional fees incurred for using the Reap Fast Payment feature; (d) payments scheduled to arrive after 5 May 2021.
7. The Offer is available to both Reap’s new and existing users.
8. You acknowledge that payments that do not comply with the Reap Terms of Service will be refunded with all applicable Offers waived. You acknowledge that Reap reserves the right of final decision.
9. The Offer cannot be transferred or assigned to any other persons and cannot be exchanged for cash or any other benefit. No person other than the cardholder or BEA will have any rights under the Contracts (Rights of Third Parties)Ordinance (Cap. 623 of the Laws of Hong Kong) to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.
10. The total Offer available under this Promotion is limited and is distributed on a first-come-first-served basis.
11. Reap and BEA reserves the sole right to vary or cancel the Offer and/or amend or alter these Terms and Conditions at any time without prior notice to you. In the event of a dispute with you in regards to this Promotion, you acknowledge that the decision of Reap and BEA shall be final and conclusive.

Why 5000 businesses are choosing Reap

Maximize your cashflow for up to 58 days longer - image

Maximize your cashflow for up to 58 days longer

Reap can free you up from tight cashflow now. Use your credit card to pay for rent, salaries, invoices and more, access up to 58 days of interest-free financing and ease payment terms by keeping your cash on hand to grow your business

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

Early payment discounts - image
Early payment discounts

Pay earlier and receive more favourable pricing from your suppliers

All-in-one platform - image
All-in-one online payment platform

Streamline your payments process in one, secure platform

How it works

步驟1: 建立收款人-圖片

Register a Reap account

After registering a Reap account, enter promo code: BEAREAP2 to enjoy HK$0 transaction fee offer

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, UnionPay credit 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


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

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 UnionPay, 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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