What could your business be earning?

Here’s what businesses at different spend levels could earn in annual rewards through pay.com.au. From a café doing $25K a month to a construction business doing $200K, see what your payback could look like.

Pay.com.au business payments platform dashboard interface

One payment, two rewards streams

The reason a business bill can pay you back. You earn on money you were spending anyway.

PayRewards on every dollar

Activate PayRewards and earn 1 to 2 points per $1 on payments you already make, whichever method you use.

Card points stack on top

Pay by credit card and your card's own rewards program keeps earning too. Two streams from the one payment.

Redeem for flights & more

Transfer to 16+ airline & hotel partners, with Qantas and Velocity at 2:1, and turn business spend into travel.

Four businesses. Four ways to earn.

From a $25k-a-month café to a $2.4M-a-year construction firm. See the rewards each could unlock, and how paying by card changes the maths.

Case Study
$25,000 /month
in business payments through pay.com.au
Annual payments processed
$300,000
D
Dana
Cafe owner, Melbourne

Dana runs a busy Melbourne café and pays $25,000 a month in stock, supplier invoices and equipment costs. Here's how she could earn $13k+ in annual rewards through pay.com.au, depending on how she pays.

Free plan
Dana
PayRewardsEarned across all payment methods
Bank transfer, Visa, Mastercard and American Express
PayRewards earned
+600,000 pts
2 pts per $1 spent. Transferable to 16+ airline & hotel partners. Qantas & Velocity at 2:1. Other partners vary.
Approx PayRewards value
$10,500
Calculated at 3.5 cents per airline point.
PayRewards net fee
$4,050
Net fee assumes 25% company tax rate. Speak to your accountant.*
+$6,450
Annual net value (PayRewards)(Points value minus net fee)
Dana can fly to Bali in Business Class on PayRewards alone
Additional Card Pointsby payment method
MastercardWestpac Altitude Rewards Black
Mastercard fee: 1.0% + PayRewards: 1.8%
Net fee$2,291
Airline points earned200,000 pts
Approx. value$7,000
Annual net value (card pts)+$4,710
Annual net value (both streams)+$11,160
VisaNAB Signature Rewards
Visa fee: 1.2% + PayRewards: 1.8%
Net fee$2,749
Airline points earned225,000 pts
Approx. value$7,875
Annual net value (card pts)+$5,126
Annual net value (both streams)+$11,576
American ExpressAmex Platinum Business
Amex fee: 2.1% + PayRewards: 1.8%
Net fee$4,810
Airline points earned337,500 pts
Approx. value$11,813
Annual net value (card pts)+$11,813
Annual net value (both streams)+$13,453
Dana and her business partner can fly to Bali in Business class
Case Study
$50,000 /month
in business payments through pay.com.au
Annual payments processed
$600,000
A
Adam
E-commerce business owner

Adam runs an ecommerce business spending $50,000 a month on stock, fulfilment and supplier costs. Here's how he could earn $26k+ in annual rewards through pay.com.au, depending on how he pays.

Free plan
Adam
PayRewardsEarned across all payment methods
Bank transfer, Visa, Mastercard and American Express
PayRewards earned
+1,200,000 pts
2 pts per $1 spent. Transferable to 16+ airline & hotel partners. Qantas & Velocity at 2:1. Other partners vary.
Approx PayRewards value
$21,000
Calculated at 3.5 cents per airline point.
PayRewards net fee
$8,100
Net fee assumes 25% company tax rate. Speak to your accountant.*
+$12,900
Annual net value (PayRewards)(Points value minus net fee)
Adam can fly to Europe in Business Class on PayRewards alone
Additional Card Pointsby payment method
MastercardWestpac Altitude Rewards Black
Mastercard fee: 1.0% + PayRewards: 1.8%
Net fee$4,581
Airline points earned400,000 pts
Approx. value$14,000
Annual net value (card pts)+$9,419
Annual net value (both streams)+$22,319
VisaNAB Signature Rewards
Visa fee: 1.2% + PayRewards: 1.8%
Net fee$5,491
Airline points earned450,000 pts
Approx. value$15,750
Annual net value (card pts)+$10,253
Annual net value (both streams)+$23,153
American ExpressAmex Platinum Business
Amex fee: 2.1% + PayRewards: 1.8%
Net fee$9,620
Airline points earned675,000 pts
Approx. value$23,625
Annual net value (card pts)+$14,005
Annual net value (both streams)+$26,905
Adam can fly his leadership team to Europe in Business Class
Case Study
$100,000 /month
in business payments through pay.com.au
Annual payments processed
$1,200,000
R
Rachael
Accounting firm principal

Rachael runs a boutique accounting firm spending $100,000 a month across payroll, rent and supplier payments. Here's how she could earn $55k+ in annual rewards through pay.com.au, depending on how she pays.

Premium Plan
Rachael
PayRewardsEarned across all payment methods
Bank transfer, Visa, Mastercard and American Express
PayRewards earned
+2,400,000 pts
2 pts per $1 spent. Transferable to 16+ airline & hotel partners. Qantas & Velocity at 2:1. Other partners vary.
Approx PayRewards value
$42,000
Calculated at 3.5 cents per airline point.
PayRewards net fee
$16,200
Net fee assumes 25% company tax rate. Speak to your accountant.*
+$25,800
Annual net value (PayRewards)(Points value minus net fee)
Rachael can fly her team to Europe in Business Class on PayRewards alone
Additional Card Pointsby payment method
MastercardWestpac Altitude Rewards Black
Mastercard fee: 1.0% + PayRewards: 1.8%
Net fee$7,330
Airline points earned800,000 pts
Approx. value$28,000
Annual net value (card pts)+$20,670
PayRewards fee (net)$16,200
Annual net value (both streams)+$46,470
VisaNAB Signature Rewards
Visa fee: 1.2% + PayRewards: 1.8%
Net fee$9,162
Airline points earned900,000 pts
Approx. value$31,500
Annual net value (card pts)+$22,338
PayRewards fee (net)$16,200
Annual net value (both streams)+$48,138
American ExpressAmex Platinum Business
Amex fee: 2.1% + PayRewards: 1.8%
Net fee$17,408
Airline points earned1,350,000 pts
Approx. value$47,250
Annual net value (card pts)+$29,842
PayRewards fee (gross/net)$16,200
Annual net value (both streams)+$55,642
Rachael can fly her team to Europe in Business Class
Case Study
$200,000 /month
in business payments through pay.com.au
Annual payments processed
$2,400,000
N
Nguyen
Construction business owner

Nguyen runs a construction business with $200,000 in monthly materials, subcontractors and equipment costs. Here's how he could earn $111k+ in annual rewards through pay.com.au, depending on how he pays.

Premium Plan
Nguyen
PayRewardsEarned across all payment methods
Bank transfer, Visa, Mastercard and American Express
PayRewards earned
+4,800,000 pts
2 pts per $1 spent. Transferable to 16+ airline & hotel partners. Qantas & Velocity at 2:1. Other partners vary.
Approx PayRewards value
$84,000
Calculated at 3.5 cents per airline point.
PayRewards net fee
$32,400
Net fee assumes 25% company tax rate. Speak to your accountant.*
+$51,600
Annual net value (PayRewards)(Points value minus net fee)
Nguyen and his whole team can fly to Europe in Business Class on PayRewards alone
Additional Card Pointsby payment method
MastercardWestpac Altitude Rewards Black
Mastercard fee: 1.0% + PayRewards: 1.8%
Net fee$14,659
Airline points earned1,600,000 pts
Approx. value$56,000
Annual net value (card pts)+$41,341
Annual net value (both streams)+$92,941
VisaNAB Signature Rewards
Visa fee: 1.2% + PayRewards: 1.8%
Net fee$18,324
Airline points earned1,800,000 pts
Approx. value$63,000
Annual net value (card pts)+$44,676
Annual net value (both streams)+$96,276
American ExpressAmex Platinum Business
Amex fee: 2.1% + PayRewards: 1.8%
Net fee$34,816
Airline points earned2,700,000 pts
Approx. value$94,500
Annual net value (card pts)+$59,684
Annual net value (both streams)+$111,284
Nguyen and his whole team can fly return to Europe in Business Class

Run your own numbers

Plug in your real spend, plan and card to see exactly what your business could earn.

Open the full calculator

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88,000+ Australian businesses run $17B+ in payments through pay.com.au. Here's how we keep it safe.

Licensed and regulated

pay.com.au Limited holds an Australian Financial Services Licence, issued by ASIC, and verifies every business under AML/KYC.

AFSL 700223

Bank-level security

ISO 27001 certified and PCI DSS compliant. Data is end-to-end encrypted and tokenised, with passkey and multi-factor authentication on every login.

You stay in control

You authorise every payment and see the remittance date before you confirm. Funds move to your suppliers, staff and super funds only on your instruction.

Things you should know

Pay.com.au Limited (ACN 639 316 546) holds an Australian Financial Services Licence (AFSL no. 700223). Use of the pay.com.au Platform and PayRewards is subject to the terms and conditions.
*Additional platform fees apply to payments made via card. Fees vary based on the type of credit card.
Our estimate of redemption value based on international business class flight redemption. Actual value is determined by various factors which are subject to change: including reward seat availability, seasonality, route, cabin class, frequent flyer program conditions, and others.
Statements about tax deductibility of fees is general information only and does not account for your individual business circumstances. Consult a registered tax agent or accountant before relying on this information.
The information on this page is general in nature and does not consider your objectives, financial situation or needs. Nothing in this material is personal financial, tax or legal advice. You should consider whether the information is appropriate for your circumstances and seek independent advice where appropriate.
Information in this material relies on information from third parties. Information is accurate as of 17/07/2026 and while reasonable care has been taken in preparing this material, no representation or warranty is made as to the accuracy, completeness or reliability of this information.