User interface and customer retention
I chanced upon ipaymy after looking for alternative to Cardup. The most obvious difference would be the user interface upon logging in. I think ipaymy's website and interface needed more work as Cardup's more user friendly, takes most of my guess work out. Example for payment made to AIA Singapore, ipaymy requires the company's account and bank details. ipaymy do provide suggestions and upon verification, I found out it matches the suggestions. Cardup provided the info spot on without me making further checks. The next thing I found, well, when there's more than 1 player in the market, competition heats up, ultimately it comes down to the fees if the company is looking for customer retention. None of them does that. A little goes a long way, you might want to consider that for customer to stay with you.