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
Earn air miles, cash back, or program points through your credit cards
Schedule recurring payments, track invoices, and reconcile information
Pay earlier and receive more favourable pricing from your suppliers
Streamline your payments process in one, secure platform
After registering a Reap account, enter promo code: CUPREAP to enjoy HK$0 transaction fee offer
Tell us which business you’d like to make a payment to, regardless of if they accept credit card payments or not
Take full advantage of your credit card benefits. We accept all UnionPay credit cards
We’ll send your one-time or scheduled payment to your recipient’s bank account within 3 business days
“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
1. On or before 31 January 2021, existing and new users of Reap are eligible for this promotion (“Promotion”). UnionPay credit cards from all banks can get this $0 handling fee offer (“Offer”).
2. Once the promotion code is redeemed, the offer will be valid during the promotion period. The validity period of the promotion code cannot be extended or renewed if it expires.
3. This promotion is applicable to existing and new users of Reap.
4. This handling fee promotion is applicable to the scheduled payments which are paid on or before 31 January 2021. The payment will not be accepted if it is scheduled after the promotion period.
5. The user needs to enter the coupon code in the “review” section of the payment page by clicking the “redeem” button in order to get the discount offer.
6. Credit cardholders must register an account on Reap to join this promotion.
7. During the promotion period, credit card users enter the promo code “CUPREAP” on the “review” section of the payment page by clicking the “redeem” button on the REAP payment platform.
8. Payments that do not comply with our Terms of Service (https://reap.global/en-hk/terms-of-service/) will be refunded and Reap reserves the right of final decision.
9. This offer does not apply to the below situations:
9a. Using non-local credit cards for payments, meaning locations outside Hong Kong and Singapore
9b. Extra fees for overseas payments
9c. Extra fees for express payments
10. If users apply multiple offers at a time, only the promotion code with the biggest discount will be applied.
11. The total Offer available under this Program is limited and is distributed on a first-come-first-served basis.
12. In the case of discrepancy between the English and Chinese versions of these
terms and conditions, the English version shall prevail.
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.
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.
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.
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.
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.
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.
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.