Let your customers pay you by credit card or PayNow directly from your Xero invoices

Supported by partnerships across Singapore

CardUp accepts all major credit cards

SIGN ME UP!Sign up for free CardUp account

Schedule one-off or recurring payments in minutes

Set up multiple payments in one go via bulk upload

Assign roles to team members

Get reliable support
- we are here for you!

Track all past and future transactions

Receive real-time payment status updates 


"CardUp has a unique platform that helps optimize cash flow. There are many ways credit limits can be utilised properly especially in a small team to keep operations going smoothly. The web platform that enables all this to be done is very intuitive and the SMS function is really very helpful! CardUp delivers important value to any small business owner. Great product, excellent service too. Would recommend!
- Jeremy Tan | PAULA'S CHOICE

As featured on:

CardUp enables credit card payments to recipients that do not accept card payments..


Supplier Payments

Corporate Taxes



Season Parking

Property Taxes


Why use CardUp?

What our customers say...

How this integration works:

01 Signing up is free

Sign up for a free CardUp account via a quick registration process.

02 Integrate Xero

Connect your Xero and CardUp accounts with our integration, and set up your account to start collecting payments.

03 Issue invoice from Xero

Issue your invoices from Xero with a 'Pay by Credit Card/PayNow' option to your customers. Your customers can now pay you in one click anytime, anywhere.

Your payments will be reconciled and marked as paid on your Xero invoices automatically when your customers pay you through CardUp.

04 Accounts reconciled

Get started

Manage your payments securely, anytime, anyplace

Bank standard security - PCI

Funds held in trust in a safeguarded account

Managed over $100M of payments

Get paid faster. Simplify collections. No technical setup.

"I would like to compliment the CardUp team for being so efficient and responsive to my request which is always handled so professionally! It is wonderful for my company to be able to improve our cash flow by using CardUp services and the same time earning some rewards. The user interface is clean and user friendly too! Keep up the good work guys!

5 reasons why businesses love using CardUp to collect card payments

Get started in 1 day

Free personalised online payment page

Collect one-off or recurring payments

Fast deposit directly in your bank account

No fees for your business

Want to start collecting credit card payments for your business?

Sign up for free
  • Accept credit card payments with no fees or setup required for your business

  • Reduce late or missed payments by having customers schedule recurring payments

  • Simplify collections with payments deposited to your bank account directly

  • Automatic reconciliation within your Xero account with this integration

  • Instantly access up to 58-days of interest-free working capital on their credit cards

  • Enjoy the convenience of paying anytime, anywhere instantly via your checkout link

  • Enjoy credit card rewards on their payments using any Visa, Mastercard or American Express credit cards

Benefits for your 

Benefits for your 

CardUp lets your business accept credit card or PayNow payments with no fees or setup required

Try Xero for free
  • No technical know-how required, no operational disruptions
  • Get funds deposited directly in your bank account
  • Monitor all past and upcoming transactions on your dashboard

Learn more about CardUp Collect here.

This CardUp-Xero integration enables your customers to pay you with their credit card or via PayNow directly from your Xero invoices

How to get started:

About Xero

Try Xero for free

Need more information?

Contact us to learn more about integrating CardUp to your Xero account:

Xero is a world-leading online accounting software built for small businesses.

  • Get a real-time view of your cashflow. Log in anytime, anywhere on your Mac, PC, tablet or phone to get a real-time view of your cashflow. It is a small business accounting software that is simple, smart and occasionally magical.
  • Run your business on the go. Use the Xero mobile app to reconcile, send invoices, or create expense claims - from anywhere
  • Get paid faster with online invoicing. Send online invoices to your customers - and get updated when they're opened.
  • Reconcile in seconds. Xero imports and categorises your latest bank transactions. Just click 'ok' to reconcile.

Try Xero for Free.

About CardUp

CardUp is a credit card enablement platform, providing a more rewarding way to make and collect big payments.

We believe in a world where any big expense can be paid by credit card. Where the payment of big bills becomes a rewarding experiences for businesses - an unparalleled opportunity to access interest-free credit, earn card rewards and save time through digitising payments.

CardUp was launched in 2015 in Singapore, and has managed over $100m of payments.

Secure connection between CardUp and Xero

Payment status reflected in both accounts

Monitor all past and upcoming payments on dashboard

For more details on how the integration works, and how you can connect your CardUp and Xero accounts, refer to our integration guide here.

Sign up for free

Truly flexible pricing

CardUp charges a 2.6% fee per transaction with no monthly subscription costs. 
The fee can be split any way you like between your business and your customers. You decide!

Your business pays the fee

Split the fee anyway you like

Your customer pays the fee

View pricing

Contact us 
(+65)  3163 9289

©  CardUp Pte Ltd