This article is a guide on how to use payment services like ipaymy or CardUp to pay for bills and earn card rewards. What is ipaymy or CardUp? ipaymy and CardUp are competing payment services that serve similar purposes. Both companies allow you to use your credit card to pay for transactions that typically do not earn credit card rewards. You pay a fee for such services and in return earn your cashback or miles. The overall gist to optimising the use of such services is thus to find cards with greater card rewards, and to use promo codes to decrease the service fees.: Card Rewards – Service Fee = Net Gain To begin using these services, you need to sign up for an account and I would encourage you to use my links below to get a fee waiver for your first transaction. Lowering service fees with promo codes...