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CardUp Collect: Fees & Pricing

CardUp Collect applies transparent transaction fees based on card type (whether the card is local or international). Fees are automatically calculated at the time of transaction and applied before payout unless otherwise configured by the collector.

1. Fee Structure

Category

Fee

Standard Fee

2.9%

International Card

3.3%

Local (Singapore) Visa Promo

2.4%

Local (Singapore) Mastercard, & UnionPay Promo

2.6%

2. How Fees Are Applied

Fees are calculated automatically based on:

  • Card type (Visa, Mastercard, Amex, UnionPay)

  • Card issuing country (local vs international)

  • Eligibility for promotional pricing

Fees are deducted at settlement before funds are credited to the collector’s account.

3. Collector Fee Handling Options

Collectors can choose how fees are handled when creating a collection:
​

Type

Details

Examples

  • Collector absorbs fees

  • Fees are deducted from the collection amount

  • Collector receives the net payout

  • If collection amount is SGD 1,000 and
    fee is SGD 30 → collector receives SGD 970

  • Payor bears fees

  • Customer pays the full collection amount plus fees

  • Collector receives the full requested amount

  • Collector requests SGD 1,000 → customer pays SGD 1,030 (including fees) → collector receives SGD 1,000

  • Fee split between collector and payor

  • Fees are shared between both parties

  • Final credited amount is adjusted based on the agreed split

  • Collector receives SGD 1,000 + SGD 15 (fee contribution) = SGD 1,015 credited

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