CardUp payment platform

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Optimising cash flow through credit cards

Cashflow is the lifeblood of any business, especially for SMEs. CardUp is a one-to-one payment platform which allows companies and individuals to make payments to suppliers and collect a payment from customers.

As a single platform, payments are made by simply using credit card finance, making transactions easy to manage and reconcile with accounting systems.

Any big expense – previously made by cash, cheque, or bank transfer – can be shifted onto a credit card. Recipients do not need to use CardUp to accept money transfer and payments can be made to any supplier, even if they do not accept cards.

With CardUp, credit card finance can now be used to cover rent, insurance premiums, payroll, supplier invoices and more. The platform also comes with the tools needed to automate payment processing, saving time whilst staying in control of finances.


Whether you want to make a payment to your supplier or collect a payment from your customer, easily manage everything on one platform.


Automate payment processes


With CardUp, you can now make and collect payments digitally, including with a credit card, even in places where cards are traditionally not accepted.

Earn rewards


Easy-to-use features minimise manual intervention and free up administration time to automate payment processes.


CardUp caters specifically for the needs of SMEs, by providing a fast, convenient and low cost financing solution. With CardUp you can:

  • Schedule one-off and recurring payments
  • Bulk upload invoices
  • Receive real-time payment status updates via email and SMS
  • Set approval levels within an organisation
  • Track all past and future transactions

Find out more about why businesses love using CardUp to improve their cash flow and manage all payments seamlessly.    DOWNLOAD PDF

How CardUp works

1. Sign up for free

Sign up for your free CardUp account, using the quick and simple registration which takes less than a minute. Recipients do not need to sign up to CardUp to receive your payment.

2. Set up payment

Select the type of payment you need to make and which credit card you wish to use. You can make a one-off payment, schedule recurring payments, or set up payments in advance and use any of your credit cards.

3. CardUp pays

Your recipient is paid via bank transfer on the date you selected. Your card will be charged for your payment five business days prior to the payment due date, including a CardUp fee.

4. You pay back later

Extend your payment terms by paying back whenever your next card bill is due. Plus, earn valuable miles, points and cashback on your credit card for each payment you make.