Easily use your credit card to pay rent, salaries, invoices, and more.

Switch bank transfer and cheque payments to your credit card and take advantage of extended, interest-free payment terms on your largest monthly expenses.

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Sign up FREE. Now available in both Singapore & Malaysia.

An interest-free small business loan
in your wallet

Use your credit card with ipaymy to meet your payment obligations and delay spending cash for up to
55 days until your credit card statement is due.

Platform Screens

Built for business

ipaymy was built with your business in mind and is packed with features you’re going to love.

ACCESS TO INTEREST-FREE CREDIT

Use your credit card to access up to 55 days of interest-free working capital.

FLEXIBLE PAYMENT TERMS

Pay vendors immediately but hold onto cash for as long as
your business needs it.

UNIVERSAL ACCEPTANCE

Use your card whenever you want. With ipaymy, all of your
payees accept credit cards.

EARLY PAYMENT DISCOUNTS

Take advantage of early payment discounts and receive more
favourable pricing from your suppliers.

GUARANTEED FAST PAYOUT

Payments are deposited into your recipient’s bank account
as early as the next business day.

EARN REWARDS

Earn airline miles, program points, or cash back when paying
with your rewards credit card.

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ipaymy is a secure platform. All of our payments are made using industry-leading encryption over PCI compliant networks to ensure your privacy is protected.

How it works

Make payments in just minutes with our beautifully simple platform that enables you to pay and pay back on your terms.

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1 You set up expense payments with ipaymy using your preferred
credit card.

2 ipaymy charges your credit card for the amount of your expenses plus a small fee.

3 ipaymy pays your expenses by bank transfer as early as the next business day.

4 You pay your credit card bill after receiving your billing statement from your card issuer.

Schedule Your First Payment Today

Pricing

Amazing rates. Use your preferred card.

ipaymy charges a fee?

When you use your credit card at a store, online or when out to dinner, the merchant pays the cost of processing your credit card payment. When it comes to B2B transactions a vast majority of merchant don’t accept credit cards because of the associated cost. With ipaymy you don’t have to worry about that anymore! With with ipaymy you can pay your landlord, employees, or other merchants who either can’t or don’t want to pay the fees to accept credit card payments.

ipaymy opens a whole new world of payment possibilities by providing you with a platform that allows you to use your credit card to pay any expense, regardless of credit card acceptance. To do so, ipaymy acts as the merchant and pays a fee for every payment you make on our platform. We have built an incredible network of partners, including all the major credit card issuers and banks, which has allowed us to negotiate the lowest rates possible and pass those savings on to you.

The best choice for small businesses

ipaymy is the most powerful and practical way to instantly access short-term working capital.

WHY IPAYMY

EFFECTIVE INTEREST RATE
0%
APPROVAL TIME
Instant
REQUIRED DOCUMENTATION
Very Light
PROCESSING FEES
$597*
INTEREST
$0
COST TO FINANCE $30,000 FOR 55 DAYS
$597*
EFFECTIVE INTEREST RATE
12.80%
APPROVAL TIME
2 - 4 weeks
REQUIRED DOCUMENTATION
Extreme
PROCESSING FEES
$500
INTEREST
$481
COST TO FINANCE $30,000 FOR 55 DAYS
$981
EFFECTIVE INTEREST RATE
10.80%
APPROVAL TIME
2 - 4 weeks
REQUIRED DOCUMENTATION
Extreme
PROCESSING FEES
$500
INTEREST
$406
COST TO FINANCE $30,000 FOR 55 DAYS
$906
EFFECTIVE INTEREST RATE
7.50%
APPROVAL TIME
2 weeks
REQUIRED DOCUMENTATION
Heavy
PROCESSING FEES
$500
INTEREST
$282
COST TO FINANCE $30,000 FOR 55 DAYS
$782
EFFECTIVE INTEREST RATE
48%
APPROVAL TIME
24 hrs
REQUIRED DOCUMENTATION
Light
PROCESSING FEES
$90
INTEREST
$1,812
COST TO FINANCE $30,000 FOR 55 DAYS
$1,902

*Calculation based on ipaymy’s 1.99% recurring rate.

why ipaymy UNSECURED
OVERDRAFT
BUSINESS
TERM LOAN
SME WORKING
CAPITAL LOAN
LOCAL MONEY
LENDERS
EFFECTIVE
INTEREST RATE
12.80% 10.80% 7.50% 48%
0%
APPROVAL TIME 2 - 4 weeks 2 - 4 weeks 2 weeks 24 hrs Instant
REQUIRED
DOCUMENTATION
Extreme Extreme Heavy Light Very Light
PROCESSING FEES $500 $500 $500 $90 $597*
INTEREST $481 $406 $282 $1,812 $0
COST TO FINANCE
$30,000 FOR 55 DAYS
$981 $906 $782 $1,902 $597*

*Calculation based on ipaymy’s 1.99% recurring rate.

We support all major banks

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Get in touch

For press or general inquires, please use this form to get in touch.

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