--- title: Make business payments using your cards | CardUp description: Tap into your available credit card limit and digitise your payment processes for any business expense. image: https://www1.cardup.my/hubfs/HS%20webpages%20featured%20image%20-%20B2B%20Make-1.png --- [Skip to content](https://www1.cardup.my/business/make#main-content) [![CardUp logo](https://www1.cardup.my/hs-fs/hubfs/CardUp%20Logos/carduplogostraightpurple-Cropped.png?width=103&height=32&name=carduplogostraightpurple-Cropped.png "CardUp logo")](https://www1.cardup.my/?hsLang=en-gb) [![CardUp logo](https://www1.cardup.my/hs-fs/hubfs/CardUp%20Logos/carduplogostraightpurple-Cropped.png?width=103&height=32&name=carduplogostraightpurple-Cropped.png "CardUp logo")](https://www1.cardup.my/?hsLang=en-gb) [Personal](https://www.cardup.my/personal/make) | [Business](https://cardup.my) - Solutions - [Domestic payments](https://www1.cardup.my/business/make) - [Collecting payments](https://www1.cardup.my/business/collect) #### Making Payments - [Business payments](https://www1.cardup.my/business/make) - [Bulk invoice digitisation](https://www1.cardup.my/business/make/feature/invoice-digitisation) #### Collecting Payments - [Accept credit cards and FPX](https://www1.cardup.my/business/collect) - Use Cases - Payment Types - [Rent](http://www.cardup.my/blog/personal/paying-rent-with-credit-card) - [Supplier Invoice](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) - [Payroll](http://www.cardup.my/blog/business/payroll-payments-cardup) #### Payment Types - [Rent](https://www.cardup.my/blog/personal/paying-rent-with-credit-card) - [Supplier Invoice](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) - [Payroll](https://www.cardup.my/business/make/payroll) - Pricing - [Making business payments](https://www1.cardup.my/business/make/pricing) - [Collecting business payments](https://www1.cardup.my/business/collect/pricing) - [Personal payments](https://www1.cardup.my/personal/pricing) - Why CardUp? - [Earn card rewards](https://www1.cardup.my/business/rewards) - [Optimise working capital](https://www1.cardup.my/business/working-capital) - [Save time and money](https://www1.cardup.my/business/digitisation) - Company - [About Us](https://www1.cardup.my/about) - [Contact Us](https://www.cardup.my/about#tagcontact) - [Blog](http://www.cardup.my/blog) - [Referral Program](https://www.cardup.my/refer) - [Partners](https://www1.cardup.my/partners) - [Press](https://cardup.co/press) - [Security](https://www1.cardup.my/security) - [Terms of Service](https://www1.cardup.my/homes/terms) - [Privacy](https://www1.cardup.my/homes/policy) - [Careers](https://www.cardup.co/careers) - [Help Center](https://cardupmy.zendesk.com) - [Login](https://app.cardup.my/users/sign_in) - [Sign Up](https://app.cardup.my/users/sign_up) MY - [Singapore](https://cardup.co) - [Hong Kong](https://cardup.hk) - [Malaysia](https://www1.cardup.my?hsLang=en-gb) [Login](https://app.cardup.my/users/sign_in) [Sign Up](https://app.cardup.my/users/sign_up) # The smartest way to make business payments Tap into your available credit card limit and digitise your payment processes for any business expense. ![Visa](https://www1.cardup.my/hubfs/Rounded-Visa-1.png) ![MasterCard](https://www1.cardup.my/hubfs/Rounded-MC.png) ![UnionPay](https://www1.cardup.my/hs-fs/hubfs/Rouned-UnionPay-1.png?width=439&height=308&name=Rouned-UnionPay-1.png) [Start making payments](https://www1.cardup.my/business/make#form) [Get in touch](https://www.cardup.my/about#tagcontact) ![Pay business rent, supplier invoice, payroll, tax and more via CardUp's online platform ](https://www1.cardup.my/hubfs/%5BL+P%5D%20B2B%20MY%20Payment%20Type.png) ## Why use CardUp for your business payments? ![Cash on hand](https://www1.cardup.my/hubfs/13007_Product-Benefit-Icons_1.-Keep-cash-in-hand.png) #### Keep more cash on hand Defer payments for up to 2 months when you use your credit card. CardUp is cheaper and faster than many other financing tools. [View comparison](https://www1.cardup.my/business/working-capital?hsLang=en-gb) ![Digitise and automate](https://www1.cardup.my/hubfs/13007_Product-Benefit-Icons_2.-Digitise-and-automate.png) #### Digitise and automate Save up to 50% of your time by easily automating your payables with our invoice tools. No training or tech skills required. [Learn more](https://www1.cardup.my/business/digitisation?hsLang=en-gb) ![Enjoy the gift of more rewards](https://www1.cardup.my/hubfs/13007_Product-Benefit-Icons_3.-Earn-rewards-.png) #### Earn rewards Earn up to miles, points or cashback on business expenses you're already paying for. [See rewards](https://www1.cardup.my/business/rewards?hsLang=en-gb) ![Paula's Choice](https://www1.cardup.my/hubfs/Paulas%20Choice-2.png) ![Standing Sushi Bar](https://www1.cardup.my/hubfs/SSB.png) ![Far Ocean Group](https://www1.cardup.my/hubfs/Far%20Ocean.png) ![ice cream cookie co](https://www1.cardup.my/hubfs/ice%20cream%20cooke%20co.png) ![Chew Kee](https://www1.cardup.my/hubfs/Chew%20Kee-1.png) ![TREOO logo](https://www1.cardup.my/hubfs/treoo%20logo.png) ## How it works ![Review payment details and final payment amount, and pay with your credit card](https://www1.cardup.my/hs-fs/hubfs/1-Business%20payment-step1.gif?width=1200&height=1200&name=1-Business%20payment-step1.gif "Review payment details and final payment amount, and pay with your credit card") ##### **1. Set up a payment** Scan your invoices, verify the recipient information and enter your card details. You can pay anyone, even if they don't use CardUp.  ![Pay using your credit card through CardUp, and CardUp transfer the payment to recipient via bank transfer](https://www1.cardup.my/hs-fs/hubfs/2-Recipient-gets-paid.gif?width=1200&height=1200&name=2-Recipient-gets-paid.gif "Pay using your credit card through CardUp, and CardUp transfer the payment to recipient via bank transfer") ##### **2. Recipient gets paid** The payment is charged directly to your card with a small CardUp fee. Your recipient receives the funds via bank transfer in as fast as one business day.  ![Earn more rewards and savings from business payments](https://www1.cardup.my/hs-fs/hubfs/3-Enjoy-card-benefits.gif?width=750&height=750&name=3-Enjoy-card-benefits.gif "Earn more rewards and savings from business payments") ##### **3. Enjoy card benefits** Get up to 2 months of interest-free working capital when you pay with your card. You can also start earning rewards such as points, cashback and miles. [Get started for free](https://app.cardup.my/business/sign_up) ## Pay virtually any business expense by card Transform the way you pay - shift these payments onto your card and make full use of your pre-approved credit line ![Pay Rent](https://www1.cardup.my/hubfs/Icons/12417_Brand-Icons_1.-Rent.png) Rent ![Pay Supplier Invoice](https://www1.cardup.my/hubfs/Icons/12417_Brand%20Icons_3.%20invoice.png) Supplier Invoice ![Pay Payroll](https://www1.cardup.my/hubfs/Icons/12417_Brand%20Icons_2.%20Payroll.png) Payroll [See all available payment types](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) ![Man thinking in a business meeting](https://www1.cardup.my/hubfs/Website-Images-b2b-pricing-contact.png) ## New User Promotion: 0% fees! Enjoy 0% fees on any business expense when you submit your details below: ## Business payments made simple with CardUp SCHEDULED PAYMENTS ### Pay on time, every time Gone are the days of setting up payment reminders. Set up a recurring payment on CardUp and never worry about late fees again. You may even get an early payment discount from your suppliers! [What are the scheduling options?](https://cardupmy.zendesk.com/hc/en-us/articles/900005952246-How-do-I-schedule-a-payment-) ![2021 Calendar indicating recurring payments scheduled on credit card](https://www1.cardup.my/hubfs/B2B-make-value-prop-scheduled-payment-2.gif) ![Refer a friend](https://www1.cardup.my/hubfs/Refer-a-friend-program-2.gif) REFERRAL PROGRAM ### Share your love of card rewards Get up to RM9,000 off your CardUp fees when you refer friends or businesses to our platform. They get RM450 off their first payment and also start earning credit card rewards where they couldn't previously! [Learn more](https://discover.cardup.my/referralprogram/) [Get started now](https://app.cardup.my/business/sign_up) ## Even more features to transform the way you pay ![Reliable support](https://www1.cardup.my/hubfs/13007_Product-Benefit-Icons_12.-Reliable-support.png) #### Reliable support Get friendly support from our team every step of the way [Get in touch](https://www.cardup.my/about#tagcontact) ![Add team member and assign roles](https://www1.cardup.my/hubfs/13007_Product-Benefit-Icons_13.-Team-management-1.png) #### Team management Assign roles to different team members ![Recurring Payments](https://www1.cardup.my/hubfs/Product-benefit-recurring-3.png) #### Flexible Schedules Set up one-off or recurring payments in advance ![View all payments on one online dashboard](https://www1.cardup.my/hubfs/13007_Product-Benefit-Icons_dashboard-1.png) #### Dashboard monitoring See all past and upcoming scheduled payments on one page ![Get real-time updates easily](https://www1.cardup.my/hubfs/13007_Product-Benefit-Icons_11.-Real-time-updates.png) #### Real-time updates Receive payment status updates and alerts via email and SMS ![Add multiple cards](https://www1.cardup.my/hubfs/13007_Product%20Benefit%20Icons-Add%20multiple%20cards.png) #### Manage multiple cards Add and choose the right cards for each payment ![Businessman satisfied with paying business expenses using credit card](https://www1.cardup.my/hubfs/Website-Images-b2b-sign-up-endCTA.png) ## Simple, transparent pricing Access one of the fastest and most convenient sources of working capital. 0% fee to start making payments. No hidden cost or setup fees! [Sign Up](https://app.cardup.my/business/sign_up) [View pricing](https://www1.cardup.my/business/make/pricing?hsLang=en-gb) ## Join the thousands of businesses who already trust CardUp ![Portrait image of Michael Finn, The Fifth Collection](https://www1.cardup.my/hubfs/TFC-1.png) "With CardUp, we've been able to capture the miles on our business payments to reduce overall travel expenses for our business." **Michael Finn** Director | The Fifth Collection ![Paula's Choice Skincare Logo](https://www1.cardup.my/hubfs/Paulas%20Choice-1.png) "CardUp's unique platform helps optimise cash flow, especially in a small team to keep operations going smoothly." **Jeremy Tan** Team Lead | Paula's Choice ![Dr Chong AV Photo](https://www1.cardup.my/hubfs/AV%20Photo-1.png) "With CardUp, I’m able to minimise cash flow gaps and keep my business running without disruption.' **Dr Chong** Managing Director | Aviation Virtual ![Portrait of Nina Alag Sure, X0PA AI](https://www1.cardup.my/hubfs/Nina-1.png) "I'm now able to optimise working capital for my business at a flexible and affordable rate. It also helps us process our payments timely." **Nina Alag Sure** CEO | X0PA AI ![Chew Kee Pte Ltd Logo](https://www1.cardup.my/hubfs/Chew%20Kee-1.png) "With CardUp, my team is now able to collaborate and get a consolidated view of our business spend each month." **Chew Kee Pte Ltd** Finance Lead ![Portrait of Jerrold Quek, Far Ocean Group](https://www1.cardup.my/hubfs/far-ocean-group-jerrold-round.png) "A clear value-add is the ability to access interest-free credit to help drive working capital needs for large recurring business. This has been pivotal in helping drive healthy working capital ratios." **Jerrold Quek** Chief Operating Officer | Far Ocean Group ![Crowd Pte Ltd](https://www1.cardup.my/hubfs/crowd-logo.png) "CardUp is a good platform for me to utilise my credit limit to ease my cashflow, earn reward points and get additional timeline for my supplier payments." **Lenny Lim** Director | Crowd Pte Ltd ![GoBuddy Logo](https://www1.cardup.my/hubfs/Imported%20sitepage%20images/94b7e64e12513d896ad5c9c8d1b78269.png) “We’ve saved about 16 man-hours per month now that our payroll to employees is automated via CardUp. We’re also able to use the additional cash on hand to prioritise business operations.” **Isaac Kow** Chief Executive Officer | GoBuddy ![CardUp is rated 4.9 out of 5 on Google Reviews](https://www1.cardup.my/hubfs/Star%20rating%20w%20text-1.png) ## Have questions about using CardUp for your payments? #### What business payments can I make with CardUp? Our platform lets you shift payments currently made by cash, cheque or bank transfers onto your credit cards, even where cards are not accepted. These include payments such as rent, payroll, supplier invoices and more. You can view the **[full list of accepted payments here](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-)**. #### How does using my credit card free up my cash flow for 2 months? When you use a credit card to make a payment, your recipient still gets paid on time, while you defer the actual outflow of your cash until your card bill is due. This lets you gain up to two months of extended payment terms. #### Will I earn rewards on my credit card for payments made through CardUp? All spend made using a Malaysia-issued card on your CardUp-registered account are eligible for the base earn rate\* of miles, points or cashback on most credit cards, including for payments such as payroll premiums and rent.  [See all FAQs](https://cardupmy.zendesk.com/hc/en-us) ![Businessman in office, working on iPad](https://www1.cardup.my/hubfs/Website-Images-b2b-pricing-1.png) ### Manage your business expenses better Join businesses across 40 industries that have optimised their business expenses with CardUp [Sign up for free](https://app.cardup.my/business/sign_up) [Get in touch](https://www.cardup.my/about#tagcontact) #### Company - [About Us](https://www1.cardup.my/about) - [Press](https://www.cardup.co/press) - [Security](https://www1.cardup.my/security) - [Careers](https://www.cardup.co/careers) - [Terms of Service](https://www1.cardup.my/homes/terms) - [Privacy Policy](https://www1.cardup.my/homes/policy) #### Support - [Pricing for personal payments](https://www1.cardup.my/personal/pricing) - [Pricing for business payments](https://www1.cardup.my/business/make/pricing) - [Pricing for collecting payments](https://www1.cardup.my/business/collect/pricing) - [FAQs](https://cardupmy.zendesk.com/) #### Make payments - [Make a personal payment](https://www1.cardup.my/personal/make) - [Make a business payment](https://www1.cardup.my/business/make) #### Collect payments - [Collect business payments](https://www1.cardup.my/business/collect) #### Payment types - [Rent](http://www.cardup.my/blog/personal/paying-rent-with-credit-card) - [Payroll](http://www.cardup.my/blog/business/payroll-payments-cardup) - [Supplier invoices](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) - [See all payment types](https://cardupmy.zendesk.com/hc/en-us/articles/900002691246-What-can-I-pay-with-CardUp-) #### Stay connected #### Get in touch **[hellomy@cardup.co](mailto:hellomy@cardup.co)** **[mailto:hellomy@cardup.co](mailto:hellomy@cardup.co)** Press: [**media@cardup.co**](mailto:media@cardup.co) **+60 16 699 9396** #### Stay updated Subscribe to our mailing list to get updates on our latest promos and news. ![carduplogostraightwhite_solid shadow](https://www1.cardup.my/hubfs/carduplogostraightwhite_solid%20shadow.png) © 2026 CardUp Malaysia Sdn Bhd. All Rights Reserved.