CardUp vs IPayMy: Which service and platform is better with lower fees?

I use ipaymy for all my payroll payments. I get an extremely low fee of 1.25% because I signed up with their credit line partner, Flex by Finaxar

Only used to pay rent so far. previously able to get GrabPay MasterCard points and helped me to get platinum status but now it doesn't give GrabPay points anymore :(

Hopefully still can get cashback with UOB one credit card.

currently ipaymy 1.79% fee (20% cheaper than usual) https://www.ipaymy.com/