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you are in WHOLESALE BANKING
Optimise cash flow with your credit card
CardUp helps Malaysian businesses pay virtually any expense — including supplier invoices, rent, payroll, and taxes — using their existing credit cards, even when cards are not accepted. By converting bank transfers into card payments, businesses can extend their payables by up to 50–60 days, improve working capital, and simplify payment operations in one digital platform.
Extend payables and unlock up to 60 days of extra working capital without applying for new loans or credit lines.
Replace manual bank transfers, cheques, and spreadsheets with one automated platform for all supplier and business payments.
Track, approve, and manage all outgoing payments in one dashboard with downloadable reports and full audit trails.
Use your credit card to pay suppliers who only accept bank transfers - CardUp handles the conversion for you.
Upload invoices or schedule recurring payments in batches - ideal for payroll, rent, and supplier runs.
Get instant updates and alerts on payment status, so finance teams always know what has been paid and what’s pending.
Ensure urgent suppliers get paid fast, even while you enjoy the extended credit period on your card.
Assign maker/checker roles to ensure proper approvals, compliance, and internal controls for every transaction.
Sync payment data with your existing accounting or ERP tools to reduce reconciliation time and manual work.
✔ 1.3% CardUp fee on all business payments
✔ No cap on number of transactions
✔ Applicable to:
✔ 0% CardUp fee on the first business payment, capped at RM15,000
✔ Applicable to:
Any amount above RM15,000 will be charged the standard 2.25% fee
✔ New User Collection Offer
✔ Subsequent Exclusive UOB Offer for Collecting Payments
✔ FPX (Online Banking) Collection Fees 0.20%, or
✔ Faster Settlement for UOB Customers
✔ Additional Notes for Collection
Fees can be:
Supplier invoices, rent, payroll, taxes, education, professional services (e.g. Manufacturing, Wholesale/ Trading, Logistics, Marketing services, Accounting services, Consulting services), and other business expenses - even if the recipient does not accept cards.
Businesses can extend their payment period by up to 50-60 days using their credit card’s interest-free period, while suppliers still get paid on time.
No. CardUp simply allows businesses to use their existing credit cards for bank-transfer payments - no new credit approval required.
Yes. Payments are tracked in real time with full audit trails, role-based approvals, and bank-grade compliance.
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