What is the processing fee for my CardUp transaction?

Summary

• How does CardUp charge the fee?
• Standard pricing for personal users
• Standard pricing for business users
• Express pricing
• Why does CardUp charge a fee?
• Where can we see the fee amount?

How does CardUp charge the fee?

The processing fee is charged based on per transaction or payment ID created and depending on your card origin.

Standard Pricing for Personal Users

Payment Method	Processing fee
Credit Card: Visa/Mastercard/China UnionPay/American Express (Singapore-issued credit card)	A 2.6% CardUp fee applies on each transaction, subject to change for promotional rates  For payments of $130 or less, a minimum CardUp fee of $3.40 applies
Credit Card: Visa/Mastercard/China UnionPay/American Express (Internationally-issued credit card)	A 3.3% CardUp fee applies on each transaction  Promotional codes are not eligible for use on payments made with credit cards issued outside of Singapore For payments of $1,000 or less, a minimum CardUp fee of $33 applies
Bank Transfer	0% CardUp fees to send money directly from your bank via FAST Bank Transfer (only supported for International payment only)

Standard Pricing for Business Users

Payment Method	Processing fee
Credit Card: Commercial Visa/Mastercard cards issued in Singapore	Fees can be customized to as low as 0.8% - get in touch with us to learn more
Credit Card: Visa/ Mastercard/ American Express (Singapore-issued credit card)	A 2.6% CardUp fee applies on each transaction, subject to change for promotional rates  For payments of $130 or less, a minimum CardUp fee of $3.40 applies
Credit Card: Visa/ Mastercard/ American Express (Internationally-issued credit card)	A 3.3% CardUp fee applies on each transaction  Promotional codes are not eligible for use on payments made with credit cards issued outside of Singapore For payments of $130 or less, a minimum CardUp fee of $3.40 applies
Bank Transfer	0% CardUp fees to send money directly from your bank via FAST Bank Transfer (only supported for International payment only)

•  

Express Pricing

We are also able to process Next Day** payments if you wish to transfer the payment to your recipient faster. For Next Day payments, an additional 0.3% fee applies on top of the CardUp fee or promo codes for each transaction. Payments have to be set up before 6pm. Please click here for more information. 

Normal transactions* - Payments processed in 3 business days 
Next Day transactions** - Payments processed in the next business day 

Why does CardUp charge a fee? 

Our fee covers the processing costs to the card issuing banks and network providers for each transaction made. The fee also ensures our platform remains secure for your everyday use.  

Where can we see the fee amount?

The fee summary will be reflected once you fill in the payment amount during the setup stage, specifically via the "Tell us more about your payment" page.