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Pay now - get charged later

Use credit card to pay for any expenses - image

Use your credit card to pay for rent, salaries, invoices and more
Simple, secure, interest-free

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Get started
Visa logoMastercard logoAmex logo
Use credit card to pay for any expenses - image
Pay all sorts of expenses and bills via your credit card
- even if credit card payments are not accepted

Ready to optimise your cash flow by up to 58 days? Find out for yourself

How Reap works

Step 1: Create a recipient - image

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

Step 2: Add a credit card - image

Add a credit card

Take full advantage of your credit card benefits. We accept all Visa, Mastercard cards

Step 3: Confirm payment - image

Confirm payment

We’ll send your one-time or scheduled payment to your recipient’s bank account within 3 business days

Step 3: Confirm payment - image

Save cash until later

Up to 58 days later: You pay off your credit card interest-free

We support all major banks

HSBC logoStandard Chartered logoHang Seng Bank logoCiti Bank logoDBS logoICBC logoNCB logoOCBC Bank logoUOB logoBEA logoBOC logoBank of Communications logoChina Construction Bank logoChina Citic Bank International logoMaybank logo

Why Reap?

REAP
Secured
SME Loan
Money Lender
Requirements
Proof of payment only
Collateral, shareholder agreements, income statement...
Income statement, TU score, tax documents...
Onboarding process
5-min account registration
Several rounds of calls, document submission and approval...
Several rounds of calls, document submission and approval...
Time to funding
1-3 business days
1-8 weeks
1-8 weeks
Fee (annualised)
1.3% per month
7% - 11%
15% - 35%
Admin fee
HK$0
> HK$2000 + 1%
> HK$2000 + 2%
Additional benefits
Cash rebate or Asiamiles
HK$0
HK$0
REAP
Proof of payment only
Requirements
Collateral, shareholder agreements, income statement...
Onboarding process
Time to funding
Time to funding
1-3 business days
Fee (annualised)
Fee (annualised)
1.3% per month
Admin fee
Admin fee
HK$0
Additional benefits
Additional benefits
Cash rebate or Asiamiles
5-min account registration
Requirements
Onboarding process
Traditional lender
Collateral, shareholder agreements, income statement, TU socres...
Several rounds of calls, document submission and approval...
1-8 weeks
7.50% - 35%
> HK$2000 + 2%
HK$0
REAP
Requirements
Proof of payment only
Onboarding process
5-min account registration
Time to funding
1-3 business days
Fee (annualised)
1.3% per month
Admin fee
HK$0
Additional benefits
Cash rebate or Asiamiles
Secured
SME Loan
Requirements
Collateral, shareholder agreements, income statement...
Onboarding process
Several rounds of calls, document submission and approval...
Time to funding
1-8 weeks
Fee (annualised)
7% - 11%
Admin fee
> HK$2000 + 1%
Additional benefits
HK$0
Money Lender
Requirements
Income statement, TU score, tax documents...
Onboarding process
Several rounds of calls, document submission and approval...
Time to funding
1-8 weeks
Fee (annualised)
15% - 35%
Admin fee
> HK$2000 + 2%
Additional benefits
HK$0
Maximize your cashflow for up to 58 days longer - image
Maximize your cashflow for up to 58 days longer - image

Your security is our #1 priority

We never store your credit card data, all information is transmitted via secure 32 bit encryption - the same global banks are using for your online banking. 

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.

Availability is of paramount importance in the cloud and our servers are designed with an automatic response to any security risks.

More about security

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

Start optimising your cash flow today - registration is free and only takes 5 minutes

We have helped over 8,000+ Hong Kong businesses optimise their cash flow, overcome cash crunches and grow their business. Join them and optimise your cash flow by offsetting rent, salary, or any other payments by 58 days!

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