Earn uncapped points. Redeem them your way.
Earn PayRewards Points on every bill you pay or receive through pay.com.au, from suppliers to the ATO, on top of your credit card points.
PayRewards Points The slider stops at 10M. Your points don’t.
Plus the points from your credit card
On this PayRewards package
What are PayRewards Points?
PayRewards Points are the currency of PayRewards, pay.com.au’s own flexible rewards program. PayRewards earns your business even more points on the expenses you’re already paying.
Slide to your total, then flick through the tabs to see where it takes you.
60,000 PayRewards Points can be transferred to
2 : 12 : 130,000Qantas Points2 : 12 : 130,000Velocity Points2.5 : 12.5 : 124,000KrisFlyer miles2.5 : 12.5 : 124,000Lotusmiles miles2.5 : 12.5 : 124,000Aeroplan points3 : 13 : 120,000Asia MilesWhat your points are worth
Here’s what the points you calculated are worth*, depending on how you use them. Your fees are in the calculator you came from.
On this $20,000 payment the fee costs you $405 after tax#. Here’s what your points are worth*, depending on how you use them.
Illustrative only. Fees shown ex GST; points values are indicative.
Your bills could be redeemed for your next overseas trip.
What businesses with similar expenses to yours have redeemed
$60.73 saved27,000PayRewards Points
13,500Velocity Points
$362.50 saved58,000PayRewards Points
29,000Qantas Points
67,332PayRewards Points
$152.63 saved72,500PayRewards Points
29,000KrisFlyer milesReal customer redemptions. Bills to get there assume the Plus package (2 PayRewards Points per $1).
One payment. Double points.
Pay a bill by card through pay.com.au and your card earns its usual points. PayRewards Points land on top, from the same payment.
No card? Pay by bank transfer and still earn PayRewards Points.
No hidden fees. See the full cost.
Your PayRewards fee is the only fee on a bank transfer. Paying by card adds a processing fee, and earns your card’s points on top.
60,000 PayRewards Points on a $20,000 supplier bill Ultra package fee after tax, the same whichever way you pay Fee$405 Try it on one bill.
Pay one supplier invoice or ATO bill through pay.com.au and watch the points land. You choose whether to earn on every payment.
Start earning
Trusted by 100,000+ Aussie businesses. Including tradies.
★★★★★“Super helpful onboarding service. Making it so easy to pay our first few transactions. Explained all the tips and tricks to make life easier too.”
Herman C
★★★★★“No brainer, tax deductible fees and points that can be transferred to any loyalty partner worth using.”
Jack B
★★★★★“As a building company, we’ve found Pay.com.au extremely helpful in streamlining our payments and managing project-related expenses… Highly recommend!”
Alex M
★★★★★“Great Xero integration and very prompt support. Lots of flexibility with how to use reward points as well.”
Oliver R
★★★★★“I just processed my first batch of supplier accounts and the platform is so user friendly. Customer service from Charlie is exceptional!”
Emma
★★★★★“Easy transactions and reliable service. Have and will continue to recommend to friends and colleagues.”
Mark H
★★★★★“pay.com.au has been extremely easy to set up and use. The pay.com.au team are always very responsive and helpful!”
Lisa A
★★★★★“Easy, secure and points rewards are fantastic!”
Nick
Assumptions and disclaimers
PayRewards fees shown ex GST: Core 1.00% for 1 PayRewards Point per $1, Plus 1.80% for 2 per $1, Ultra 2.70% for 3 per $1 (Regular and Premium plans only). Partner transfer rates as shown.
# Fees are typically tax deductible; after-tax figures assume a 25% company tax rate. Check with your accountant.
* Points values are indicative. Gift cards valued at 0.8¢ and bill payments at 0.75¢ per PayRewards Point. Indicative estimated value of airline points varies by redemption class and is calculated at 1.7 cents per airline point for economy, 3.5 cents for international business class and 6 cents for first class flight redemptions. Where credit card points are shown for non-flight redemptions, a conservative 1.7 cents per airline point is applied. You may not get this value as redemption value rates vary (depending on airline and flights route/class) and any airline point redemption is subject to availability.
Redemption terms
Real customer redemptions. Bills to get there assume the Plus package (2 PayRewards Points per $1). Date of last flight redemption update: June 2026.
Point redemptions are subject to change, subject to availability and third-party terms and conditions. The details above reflect information available as at the date of last update, and have not been updated to reflect any changes since. This information includes details obtained from third parties, and may not have been independently verified.
Redemptions for airfares or hotel bookings require membership of, and points transfers to, applicable third-party loyalty programs. For more details, see PayRewards Terms and Conditions.
Your payments, extra secure
Over billions processed annually. Protected by industry-leading security.
PCI DSS compliant
Payments protected according to PCI DSS security standards.
ISO 27001 certified
Secure data handling through ISO 27001-certified infrastructure.
Tokenised data
No card numbers stored—just safe, secure tokens for every payment.
Automatic fraud detection
Instant suspicious activity flagging to help stop fraud early.
FAQs
Can I earn points on ATO and BAS payments?
Yes. pay.com.au pays PayRewards Points on ATO and BAS payments, at 1 to 3 PayRewards Points per $1 depending on your package. Pay by card and your card may earn its usual points too, so check your card’s terms for government payments.
Can I pay rent and earn Qantas Points?
Yes. pay.com.au lets you pay your business rent by card or bank transfer and earn PayRewards Points on every $1. PayRewards Points transfer to Qantas Business Rewards at 2:1.
What payments earn PayRewards Points?
pay.com.au pays PayRewards Points on supplier invoices, ATO and BAS payments, payroll, super, rent, contractors and international payments. Suppliers who don’t take cards still get paid, because pay.com.au settles them by bank transfer.
Can I earn credit card points and PayRewards Points on the same payment?
Yes. When you pay a bill by card through pay.com.au, your card earns its usual points and pay.com.au adds PayRewards Points on top. Bank transfers earn PayRewards Points too, so you can earn without a card.
Do PayRewards Points expire?
PayRewards Points don’t expire while you stay active. They only expire after 18 months with no earning activity, and any payment that earns PayRewards Points resets that window.
What are PayRewards Points?
PayRewards Points are the rewards points you earn with pay.com.au, both when you pay your business bills and when you get paid. Pay suppliers, the ATO, rent or payroll through pay.com.au by card or bank transfer and you earn 1 to 3 PayRewards Points per $1, depending on your package. Pay by card and your card’s usual points come on top. When customers pay your invoices through pay.com.au with Get Paid, you earn PayRewards Points on the money coming in as well. There’s no cap on what you can earn. You can transfer PayRewards Points to 17 airline and hotel partners, including Qantas, Virgin Australia and Emirates, swap them for gift cards, or use them to pay off your business bills
a 4-minute demo