Reap Credits (RCs) can be used on Reap to make payments without or discount the handling fee charged by Reap.

If a user has 10,000 RCs in their Reap account, they can enjoy making a Reap Pay or Reap Collect transaction, up to $10,000, without paying any transaction fee.

If the user plans to make a $12,000 Reap Pay transaction, after deducting the 10,000RCs in their account, they will only need to pay $52 handling fee ( ($12,000-10,000) x 2.6%).