Pay business bills with the card you already own.

  • Pay by card with any Australian-issued Visa, Mastercard or Amex
  • Pay the ATO, suppliers and utilities that don’t take cards
  • Up to 3 PayRewards Point per $1 paid, on top of your card’s rewards
Pay by card with a Visa, American Express Platinum or Mastercard business credit card
$20B+
Business payments
processed
100,000+
Australian businesses
earning rewards
17
Airline & hotel
transfer partners
AFSL 700223
Australian Financial
Services Licence

How to pay by card

Link a card you already own, pay by card for any business bill, earn PayRewards Points on top of your card’s own rewards.

Your linked cards

Business Visa

•••• 4021

Mastercard

•••• 8817

American Express

•••• 1004

Payments

ATO tax payment

Paid

$5,000

Inventory invoice

Paid

$3,000

Electricity bill

Paid

$1,000

You’ve earned

+9,000 PayRewards Points

Pay bills your way

Pay by card, your way.

Pay suppliers and business bills with the credit card you already own, even where credit card payments aren’t normally accepted. When you pay by card, pay.com.au sends your payee a normal bank transfer.

Any Australian-issued Visa, Mastercard or Amex
Pay by card with Visa, Mastercard or Amex and pay.com.au sends your payee a bank transfer

Cashflow

Keep more cash in your business.

Pay business expenses and help free up working capital by taking advantage of your credit card’s interest-free period. The bill is paid on time; your cash stays in the account a little longer.

Use your card’s interest-free days
Calendar showing a bill paid by card on 1 August and the credit card paid off on 23 September

Rewards

Turn business bills into rewards.

Earn PayRewards Points on eligible business payments and potentially earn rewards from the credit card you own at the same time. Redeem or convert PayRewards Points towards Qantas Points, or popular gift cards from JB Hi‑Fi, Bunnings and more.

up to 3 PayRewards Point per $1 on eligible bills
Amex Platinum Business card points stacking with PayRewards Points

Earn PayRewards Points on everyday payments

Pay by card for the bills you already pay, with the card you already own.

Utilities
Rent
Suppliers
ATO & tax
BAS
Equipment

Your security comes first

Your card details are tokenised and protected with bank-grade encryption, and we partner only with fully PCI DSS compliant providers.

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

Join 100,000+ businesses that love rewards

Your card. Straight answers.

Everything you need to know about how to pay by card with the card you already own.

Rewards are optional and you switch them on per payment. While they are on, you earn up to 3 PayRewards Point for every $1 paid on eligible payments and a 1% fee + GST is charged separately per transaction. Fees on business payments are typically tax deductible, so the real cost is lower than the headline rate. Check your own situation with your accountant, or run your numbers in the rewards calculator or compare plans on pricing.
Any Australian-issued Visa, Mastercard or American Express credit card. Link the card you already own; there is no need to apply for a new one.
Yes. You pay by card and pay.com.au sends the funds to your supplier, the ATO or your utility provider by bank transfer. The payee does not need to accept cards.
If you use a rewards-earning card, you continue to earn through your card as well as earning PayRewards Points. Earn rates and exclusions are set by your card issuer, so check your card’s terms.
Convert them to Qantas Points and book flights, request upgrades or purchase business equipment from the Qantas Marketplace with Qantas Business Rewards. Transfer to 17 airline and hotel partners in all, or redeem for popular gift cards from JB Hi‑Fi, Bunnings and more.
Points are earned once the payment has settled. They may show as pending first and can take up to 30 days to become available for redemption.
Your card details are tokenised and protected with bank-grade encryption, and we partner only with providers that are fully compliant with the PCI Data Security Standard. pay.com.au Limited holds an Australian Financial Services Licence (AFSL 700223) issued by ASIC, which you can check on the ASIC registers, and you approve every payment before it is sent.
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.