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Exclusive to UnionPay Cardholders
HK$0 Transaction Fee
Simply use UnionPay credit cards from any bank to pay for your Reap transaction, and you can enjoy HK$0 transaction fee offer immediately!
Promo code: CUPREAP
Visa -圖片美國運通信用卡-圖片
Subject to relevant terms and conditions. For details, please click here.

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: CUPREAP 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 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

Terms and conditions of "$0 Reap Transaction Fee for UnionPay Card Promotion"

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 ( 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.

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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