Summary
Step 1: Account Sign Up/Login
Step 2: Create Payment
Step 3: Select Payment Category
Step 4: Add your recipient details
Step 5: Enter your payment details
Step 6: Document
Step 7: Review
Step 8: Payments Dashboard
Quick Tips
Step 1: Account Sign Up/Login
To schedule your payment on CardUp; sign up for a free CardUp account, or log in here if you are an existing user. Only supported for personal account
Step 2: Create Payment
Once you're login, click on "Create Payment"
Step 3: Select Payment Category
Schedule your payment request by selecting "Miscellaneous" as the payment category.
Step 4: Add your recipient details
Click on "Add New Recipeint"
You’ll be asked, “Who would you like to pay?”
Enter the Company UEN / business registration number and registered company name (as shown on your invoice)
Provide the bank account details where you want the funds to be transferred.
(Optional) Enter a recipient email address if you’d like the recipient to receive payment notifications
Step 5: Enter your payment details
Amount – Enter the total amount you wish to pay.
Card details – You can use Visa, Mastercard, or UnionPay (American Express is not allowed on this payment type)
Payment plan – Choose Standard or Next Business Day.
For Standard, your card is charged 3 business days before the payment arrival date.
For Next Business Day, your card is charged 1 business day before the payment arrival date with additional processing cost of 0.3%
Payment frequency – Select a one-time or recurring schedule (weekly, monthly, quarterly, or half‑yearly). Yearly frequency is not available for this payment type.
Payment arrival date – Select the date you want the recipient to receive the funds.
Payment reference – This will appear on the recipient’s bank statement to help them identify your payment (e.g., your name, invoice number, etc.).
Promo/referral code – If you have one, enter it here.
Review the fee summary and ensure everything looks correct. Note: If you apply any promotional codes, the discounted fee will be displayed on the "Review" page before you confirm your payment setup.
Step 6: Document
You must upload the official invoice. Make sure it clearly shows:
Payor’s name
Recipient name
Recipient bank account details (must be under a corporate or business bank account and not to a personal or individual)
Payment amount
Tip: Ensure all information on your invoice matches the details you entered in CardUp to avoid delays.
Note:
For any down payment requests, your credit card must be pre-funded meaning the amount you wish to pay must be transferred from your savings account to your credit card in advance.
You cannot use your available credit limit for this purpose. For example, if you intend to make a down payment of S$10,000, you’ll need to transfer that amount to your credit card before submitting your payment request.
Additionally, you’ll be required to upload a supporting document (e.g., a bank statement or screenshot) confirming that the top-up has been completed and matches the amount you wish to pay.
Step 7: Review
Double-check all details on the Review page.
Click Create Payment. You’ll receive a one-time password (OTP) for verification (a small card verification charge of S$0.50 may appear and will be auto‑refunded in a few days).
Your main payment will be charged on the Payment charged date, which depends on the payment plan you selected (Standard or Next Business Day).
Note: If you’re setting up your payment on the same business day that you create your CardUp account or complete account verification, you may experience an additional 1 business day delay.
Step 8: Payments Dashboard
You will be able to find all your scheduled payments reflected on CardUp homepage> specifically under the "Upcoming" tab.
Quick Tips
Recurring payments: If you pay regularly (e.g., monthly rental installments), set your payment to repeat automatically (weekly, monthly, quarterly, or half-yearly).
Verification & schedule: Always check your Payment charged date vs. Payment arrival date to ensure the funds arrive on time.
Document guidelines: Always ensure the document you upload is recent, clearly legible, and matches all details you provided.
Still need help or have more questions?
Contact our support team via email: [email protected] or submit a request through your CardUp account.