Premium plan free for 30 days

Your business expenses are going out anyway.
Make them earn you rewards.

Pay any business expense by credit card or bank transfer through pay.com.au. Your supplier gets paid. You earn card points, PayRewards, or both. Uncapped. Flexible. Redeemable.

70,000+ Australian businesses already earning payback on their expenses

$11B+
Business payments
processed
70,000+
Australian businesses
earning payback
16
Airline & hotel
transfer partners
30 days
Premium plan
free trial

Three steps. Total payback.

Just your ABN. No lengthy approvals. Earning rewards in minutes.

1

Upload your bills

Add supplier invoices or sync from Xero. ATO, payroll, super, rent, contractors, equipment.

2

Choose how to pay

Credit card (Visa, Mastercard, AMEX) or bank transfer. Your supplier receives a standard bank transfer. No changes for them.

3

Earn rewards

Card payments earn your regular card points. Activate PayRewards on any payment to earn a second uncapped rewards currency. Transfer to 16 airline and hotel partners.

Card Points

Your card points. On every payment.

Pay any supplier by credit card through pay.com.au. Visa, Mastercard, or AMEX. Every dollar earns your regular card points. Your supplier gets a bank transfer. You get the points. Prefer bank transfer? Earn PayRewards on every payment.

Card points on every dollar
Visa, Mastercard, AMEX and bank transfer payment networks

American Express

Unlock your Amex. Everywhere.

Supplier doesn't accept Amex? Pay through pay.com.au, we send funds by bank transfer. Earn up to 2.25x more points on government payments. Amex Platinum Business: 2.25 pts/$1 via pay.com.au vs 1 pt/$1 direct to ATO. Plus 55 additional cashflow days.

2.25x points on ATO via Amex
Amex Platinum Business
Direct to ATO 1 pt/$1
Via pay.com.au 2.25 pt/$1

PayRewards

Activate PayRewards. Earn even more.

Activate PayRewards on any payment to earn a second uncapped rewards currency. Core: 1 pt/$1 at 1.0%. Plus: 2 pts/$1 at 1.8%. Dial up or down on every payment. No lock-in. Transfer to Qantas, Virgin Australia, KrisFlyer, Aeroplan, Marriott Bonvoy and 11 more.

12 airlines + 4 hotels
Earn card points plus PayRewards points on every payment

Flexibility

Not just flights.

Flights, hotels, gift cards worth 50% more, invoice payments, luxury items, concert tickets. Pay invoices with points. No bank rewards program offers that. Your points, your rules.

6+ redemption categories
Luxury hotel stays
Luxury stays
Wine and spirits
Wine & spirits
Premium products
Products
Digital gift cards
Gift cards

Built for business payments

Everything you need to pay, earn, and redeem.

Visa, Mastercard & AMEX
Bank transfers at 0% processing
Xero integration
PayID same-day settlement
Pay invoices with points
PayTravel concierge
55-day interest-free float
ISO 27001 security
Uncapped rewards earning
Get Paid: earn on inbound payments

Premium free for 30 days. Cancel anytime.

Get our lowest rates, PayTravel, and a personal account manager. On us.

Claim Your Free Trial
No lock-in contract
ABN is all you need
Set up in minutes

What you get on Premium

No feature gating. No credit card required upfront.

Premium 30 days free
$165 /mo

Our lowest rates, dedicated support, and full PayRewards access.

Start Free Trial

Platform fees

Mastercard 0.80%
Visa 1.00%
AMEX from 1.90%

Other inclusions

Bank transfer fee of 1% – 1.80%
Add PayRewards from 1%

Benefits

PayTravel points bookings
Points advice
All 16 transfer partners
Free
$0 /mo

Earn card points with no monthly commitment.

Get Started

Platform fees

Mastercard 1.00%
Visa 1.20%
AMEX from 2.10%

Other inclusions

Bank transfer fee of 1% – 1.80%
Add PayRewards from 1%

Benefits

No PayTravel points booking
No points advice
All 16 transfer partners
After 30 days, keep Premium or switch to Free. $0/mo, no lock-in. Your PayRewards balance carries over regardless of plan.

Join thousands of businesses that love rewards

More Australian businesses are choosing pay.com.au to simplify payments and earn points on everyday expenses.

pay.com.au vs paying by EFT

You're already making these payments. The only question is whether they earn you anything.

pay.com.au
Get started
Paying by EFT
Rewards
Earn credit card points
Earn PayRewards (opt-in)
16 transfer partners
Pay invoices with points
Business benefits
Tax-deductible fees
55-day interest-free float
Xero integration
ISO 27001 & 3DS security
Rewards
Earn credit card points
Pay
EFT
Earn PayRewards (opt-in)
Pay
EFT
Tax-deductible fees
Pay
EFT
16 transfer partners
Pay
EFT
Pay invoices with points
Pay
EFT
Business benefits
Xero integration
Pay
EFT
55-day interest-free float
Pay
EFT
ISO 27001 & 3DS security
Pay
EFT

Your payments are secure

Trusted by 70,000+ businesses. $11B+ processed.

End-to-end encryption
Real-time AML & KYC
Card & bank data tokenised
Passkey & MFA enabled
ANZ quarantined funds
Cash-backed points

No fine print. No games.

Straight answers to the questions we hear most.

Is there a lock-in contract?
No contracts, no lock-in. Change or cancel anytime. The Premium trial gives you 30 days at our best rates with zero commitment. If you cancel, your PayRewards balance stays with you.
Are the fees worth it?
Processing and PayRewards fees are typically tax deductible, reducing your net cost by ~25%. A business processing $30K/month with PayRewards Plus earns ~$10,000 in annual flight value against a net fee of ~$4,860. More than 2x return.
How do my suppliers get paid?
Your suppliers receive a standard bank transfer. They don't need to sign up or change anything. Business as usual for them. You pay through pay.com.au, we transfer to them.
I already have a rewards credit card. Why do I need this?
pay.com.au is additive, not a replacement. Keep earning your card points on every payment. Activate PayRewards on top for a second rewards balance. Don't have a rewards card? Earn PayRewards on bank transfers alone. Your card program doesn't change.
Is it secure?
$11B+ in business payments processed. ISO 27001 certified, 3D Secure on all card transactions, PCI DSS compliant. Same standards as major financial institutions.
How long does it take to get started?
Most businesses process their first payment within minutes. All you need is your ABN and ID verification. Add your supplier, choose your payment method, and start earning.

$500K in payments. $14,000 in flights.

A business paying $500K/year via bank transfer with PayRewards Plus earns 1 million points. Transfer to KrisFlyer for 400,000 miles. Net fee: $6,750 after tax. Flight value: $14,000. That's 2.1x return.

Calculate Your Payback

Pay via pay.com.au

From $500,000 annual bank transfer payments

400,000

KrisFlyer Miles earned

Melbourne → Singapore Business Class × multiple

Fee: $6,750 after tax deduction · Flight value: ~$14,000
Or redeem for $8,000 in gift cards, invoices, or luxury items.

Annual bank transfer payments $500,000
PayRewards Plus fee (1.8%) $9,000 $6,750
25% tax deduction applied −$2,250
PayRewards earned (2 pts / $1) 1,000,000 pts
Transfer to KrisFlyer (2.5 : 1) 400,000 miles
MEL → SIN Business return × 2 ~186,000 miles
Miles remaining +214,000 miles
Flight value vs net fee ~$14,000 (2.1x ROI)