Paid by card
Supplier invoice
Amex
$12,400
ATO BAS
Visa
$8,150
Office rent
Mastercard
$6,200
Double dipping. Pay once, earn twice.
- Dip one: pay by Amex, Visa or Mastercard and your card earns its points as normal
- Dip two: switch on PayRewards and earn up to 3 PayRewards Points per $1 on the same dollars
- Suppliers, the ATO, rent and wages all count, even payees who never take cards
How it works
How does double dipping work?
You pay by card through pay.com.au. pay.com.au pays your payee by bank transfer, and the ATO by BPAY. Your card earns, and PayRewards earns on top.
Payments
Supplier invoice
Paid$12,400
ATO BAS
Paid$8,150
Office rent
Paid$6,200
You’ve earned
+53,500 PayRewards Points
What are PayRewards Points?
pay.com.au’s own rewards points. They are dip two: earned on top of your card points, on the same payment, and kept in a separate balance.
- Earned when you chooseCore earns 1 point per $1, Plus 2 and Ultra 3. Uncapped.
- A separate balanceThey build in your pay.com.au account, apart from your card points.
- Transfer to 17 partnersQantas and Virgin at 2:1, plus more airlines and hotels.
- Or spend themOn gift cards, or to pay a business invoice.
Worked example
Is double dipping worth the fees?
One $10,000 invoice. Two sets of points. A supplier invoice paid by Amex through pay.com.au, with PayRewards Plus switched on. Your card earns on it, PayRewards earns on it, and both turn into airline points.
The fees: $394 (ex GST), about $296 after tax. The points are worth an indicative $744, about 2.5 times that. Paid straight from your bank to the supplier, the same invoice earns nothing.
Get startedSupplier invoicePaid by Amex via pay.com.au
$10,000
Dip oneAmex Membership Rewards
+22,50011,250 airline points
Dip twoPayRewards Plus
+20,00010,000 airline points
Airline points, both dips21,250
Indicative value*$744
Security
Is double dipping through pay.com.au safe?
Yes. pay.com.au Limited holds AFSL 700223, and 100,000+ Australian businesses have processed $20B+ through pay.com.au.
End-to-end encryption
Real-time AML & KYC
Card & bank data tokenised
Passkey & MFA enabled
ANZ quarantined funds
Cash-backed points
Dip one
Card points on bills that never took cards.
Most suppliers and landlords do not take cards, so those payments earn you nothing, and paying the ATO directly earns reduced card points. Through pay.com.au most cards earn their usual rate on all of them, and your payees still get a normal bank transfer. Your card issuer sets the rate.
Up to 2.25x the ATO points on Amex Platinum Business
No card? One dip.
Bank transfer earns once. A card earns twice.
Pay from your bank account through pay.com.au and you still earn PayRewards Points, just not card points. On the same $10,000 invoice that is 20,000 PayRewards Points, an indicative $350 as airline points*. Pay by card and your card points stack on top.
Every payment method earns
Start double dipping.
Free plan, no lock-in. Try it on one bill and see both sets of points land.
Get started No lock-in contract
ABN is all you need
Set up in minutes
Why not just pay direct?
Why not just pay by direct bank transfer?
You are paying these bills either way. Paid direct, they earn nothing. Paid through pay.com.au by card, they earn twice.
| Feature | pay.com.au Get started | Direct EFT |
|---|---|---|
| Rewards | ||
| Earn credit card points | ||
| Earn PayRewards Points | ||
| Both on the same payment | ||
| 17 transfer partners | ||
| Business benefits | ||
| Pay by card when the payee does not take cards | ||
| Credit card cashflow flexibility | ||
| Fees typically tax deductible | ||
| ISO 27001 & 3DS security |
Rewards
Earn credit card points
Pay
EFT
Earn PayRewards Points
Pay
EFT
Both on the same payment
Pay
EFT
17 transfer partners
Pay
EFT
Business benefits
Pay by card when the payee does not take cards
Pay
EFT
Credit card cashflow flexibility
Pay
EFT
Fees typically tax deductible
Pay
EFT
ISO 27001 & 3DS security
Pay
EFT
Common questions
Double dipping FAQs
What it is, what it costs and what it earns.
Double dipping means earning two sets of points on one business payment: your credit card points plus PayRewards Points from pay.com.au. When you pay a business bill through pay.com.au by credit card, your card earns its points as normal (dip one). With PayRewards switched on, you also earn PayRewards Points on the same dollars (dip two). pay.com.au pays your payee by bank transfer, so it works even when they do not take cards.
Not on these numbers. On a $10,000 invoice paid by Amex Platinum Business with PayRewards Plus, the fees are $394 (ex GST): $180 for PayRewards and $214 card fee on the Free plan. That is about $296 after a typical tax deduction. The same invoice earns 22,500 Membership Rewards Points plus 20,000 PayRewards Points. Transferred at 2:1, that is 21,250 airline points. That is an indicative $744 at 3.5 cents per airline point, about 2.5 times the after-tax fee. Actual value depends on the airline, route and class, and award seats are subject to availability. Gift cards return less per point, so run your own numbers.
Most Amex, Visa and Mastercard cards do, but your card issuer sets the rate, and some cards earn reduced points or none on payments like these. Check your card’s terms. PayRewards Points are earned on every eligible payment, whichever card you use.
Yes, on business rent. Pay your landlord through pay.com.au by credit card and most cards earn points as normal, but your card issuer sets the rate. PayRewards Points transfer to Qantas Business Rewards at 2:1. Your landlord receives a normal bank transfer.
No. A bank transfer earns PayRewards Points only, because there is no card in the payment. That is one dip. To double dip, pay by card.
No, you choose it. You pick a PayRewards package when you make each payment, and it carries a per-transaction fee: Core earns 1 point per $1 at 1.0% (ex GST), Plus earns 2 points per $1 at 1.8% (ex GST) and Ultra earns 3 points per $1 at 2.7% (ex GST). Ultra is available on the Regular and Premium plans. Fees are typically tax deductible for businesses. See pricing for the card fee on each plan.
Some customers go one step further and pay their credit card bill by bank transfer through pay.com.au, which earns PayRewards Points on that payment too. Check that your card issuer accepts payments this way before you rely on it.
PayID payments arrive the same day when made before 2pm AET (your first PayID payment can take longer). Card payments arrive the next business day. Standard bank transfers take two business days. You see the delivery date before you confirm every payment.
Transfer them to 17 airline and hotel partners, including Qantas Business Rewards and Virgin Australia Business Flyer at 2:1, Singapore Airlines KrisFlyer at 2.5:1, Emirates Skywards, Marriott Bonvoy and Hilton Honors. The full list is on the partners page. Or redeem for digital gift cards, or use them to pay a business invoice. PayTravel and PayConcierge can help you book reward seats and events. Flights typically return the most value per point.
PayRewards Points expire after 18 months with no earning activity. Make a payment with PayRewards in that time and they stay put. The PayRewards terms have the full detail.
pay.com.au Limited holds an Australian Financial Services Licence (AFSL 700223) issued by ASIC. pay.com.au is ISO 27001 certified and PCI DSS compliant. Card and bank data are tokenised. Every login uses passkey or multi-factor authentication. Customer funds are quarantined in an ANZ institutional account. You approve every payment and see the delivery date before you confirm.
Yes. pay.com.au is built for Australian businesses, so you need an active ABN, and the person signing up must be a director or beneficial owner. Registration takes a few minutes.
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