Step 1: Create Payment
Log in and click “+ Create Payment” at the top right to get started.
Step 2: Select "Payroll"
Select your payment type from the available options: domestic or international.
Domestic payments are for local recipients, while
International payments are for overseas recipients.
Step 3: Add your recipient
When prompted to select the recipient, choose your company details.. Once added, the recipient will be saved to your Recipient Directory for future payments.
Step 4: Enter your payment details
Enter the required payroll payment details, including:
Payroll amount
Payment date
Payment reference
Promotional codes (if applicable)
Other required payment information
Review the details carefully before continuing.
Note: By default, CardUp transfers the payroll funds to your company’s registered bank account.
Direct payments to individual employees’ bank accounts may be available to selected Business customers, subject to eligibility and case-by-case review.
Please contact your CardUp representative or CardUp Support (access through our chat widget) if you’d like to explore this option.
Step 5: Upload your supporting documents
Upload the required documents when prompted. These may include:
Company bank account statement or supporting document
CPF Payment Record
Payroll record showing employees’ names and salaries
Tip: Please ensure all documents are clear, valid, and match the information provided in your payment setup to avoid delays in processing.
For recurring Payroll payments:
CardUp will process the payment according to your selected schedule.
You’ll receive an email from [email protected] each month requesting the required supporting documents for the upcoming payment.
Submit the requested documents promptly to avoid delays in processing.
Tip: Keep your latest payroll and CPF records ready for each recurring payment.
Step 6: Review and confirm your payment
Review all payment details, including:
Payment amount
Payment date
Recipient
Selected card
Payment fees
You’ll receive an SMS OTP to verify your payment. A S$0.50 charge will be made to your card and automatically refunded within a few days.
By clicking “Confirm Payment Setup”, you agree that payments are non-refundable by CardUp (as per the Terms of Service). You can still edit or cancel your payment from your dashboard before the charge date.
Step 7: Payment created successfully
Your payment has been created successfully. Click “Back to Payments” to return to your dashboard, where it will appear under the “Upcoming” tab.
Step 8: CardUp processes your payment
Once your payment is approved and processed:
CardUp charges your selected card.
The payroll amount is transferred to your company’s registered bank account (between 5pm to 8pm)
You can then run your usual payroll process and pay your employees.
If your payment is paused or pending: Check your registered email for any requests from [email protected] for additional or updated supporting documents.
Step 9: Run your payroll as usual
Once the funds are credited to your company’s bank account, you can proceed with your normal payroll process and pay your employees.
CardUp does not normally distribute the salary directly to your employees. Direct payments to individual employees may be available to selected Business customers, subject to eligibility and review.