Frequently Asked Questions

pay.com.au is an innovative payments platform designed to empower business owners to make the most of their credit cards and rewards when handling business payments. With pay.com.au, you can streamline your payments and, unlock the potential for significant rewards, while also freeing up cash flow to boost your business’s profitability. We take pride in offering the most competitive transaction rates in the market and provide a range of services to ensure you make the most of your reward points, getting the best value possible. 

Any business with an ABN. Simply sign up, enter your ABN and a few general pieces of information; add your credit card to the digital wallet; add payee information and you are ready to go. 

We accept all major credit cards (Mastercard, VISA and American Express). 

Our satisfied customers speak for themselves. Here’s what you can expect: 

• Maximise Rewards: Effortlessly unlock substantial value from rewards. If you’re curious about the numbers, just ask our consultants to break it down for you. 
• Enhance Cash Flow: Enjoy improved cash flow by taking advantage of your credit card’s interest-free period—up to 55 days of virtually interest-free funds. 
• Save Time: Experience seamless payments and streamline your finances with our easy-to-use platform. Plus, benefit from our convenient reward booking service. 

Choosing pay.com.au is a smart and straightforward way to make your finances work better for you. 

We charge a small transaction fee for processing payments via our platform. If you utilise our other services, we also charge a small fee for that.  
 
Depending on how you plan to use our platform, we offer a subscription service which means you get cheaper transaction processing rates along with other valuable inclusions. 
 
See our pricing page for more details, and feel free to contact us directly if you have any questions on our pricing. 

We facilitate the ability to make most of your business payments. There are a few exceptions which are classified as prohibited industries (ie. gambling) or prohibited payment types (ie mortgages). We also only do domestic payments to Australian bank accounts at this stage. Other than these exceptions, go for it! 
 
For a full list of prohibited industries and payment types, refer to our Payment Rules and Regulations page here. 

Easy – click here, or our Sign-Up button at the top and begin the sign-up process. We need a few bits of information about you and your business to set–up your account, we then need to verify your email and mobile number and away you go! 

Yes.  We’ve made it really easy for you to make payments.  Simply choose your card, the payee, input the amount of the payment and confirm the details.  You can batch up multiple payments as well as import them from your accounting software, including a direct link with Xero (coming very soon!).

We are constantly working on new features and have a number of really exciting and unique products and features soon to be released.

Absolutely. At pay.com.au, security is our paramount concern. Our dedicated Security team works around the clock to provide you with a secure platform that instils confidence in every payment and transfer you make. Your safety and the protection of your financial data are our top priorities.  

We have implemented a comprehensive set of measures to provide the utmost protection and security for your sensitive card, payment, and banking information.   

Visit our security page to read more about how we keep our platform safe and secure.   

To ensure your bills are paid on time, we recommend that you make payments at least 3 business days (by 6pm AEST) before the payment due date. 

 Payment processing times will vary depending on the payment method: 

• Credit Card: Payments made via credit card typically take 1 to 2 business days to reach their destination. 
• Bank Account: If you’re using a bank account, please allow 2 to 3 business days for your payment to be processed. 

 These processing times are applicable when you authorise the payment before 6pm AEST. Payments initiated outside of our business hours (after 6pm AEST on weekdays and during weekends) will be processed on the next business day.  

Rest assured, we’re committed to ensuring your payments are handled promptly and efficiently. 

Payments made prior to 6pm AET will be processed by pay.com.au that day. Any payments submitted past 6pm AET will be processed on the following business day. 

No. You can pay any approved payee (noting the exceptions to prohibited industries and payment types). 

When making a payment, you have the flexibility to select your preferred rate for earning PayRewards Points. By choosing this option and adding a small percentage to your transaction, you’ll kickstart the accumulation of PayRewards Points. 

We’re here to make things easy for you. Utilise our rewards booking service through the platform or by contacting us directly, and we’ll assist you in getting the most value out of your points when finding and booking flights 

Choosing the best card is a personalised decision—it’s not one-size-fits-all. Our team of experts have already done the groundwork to find the ideal options, but it’s important to consider your unique circumstances. 

Don’t hesitate to reach out to us through our website or by giving us a call. We’re here to assist you in making the right choice that aligns perfectly with your needs. 

You have various opportunities to accumulate a substantial number of points while covering your business expenses. Plus, our users can earn full rewards points when making payments to the ATO. 

Another savvy move is taking full advantage of your credit card’s repayment period, granting you up to 55 days of interest-free funds to support your business’s cash flow. 

For a deeper dive into optimising your benefits with points, feel free to explore our How It Works. Page. 

No subscription is necessary. You have the option to use our free account, which provides full access to our platform. However, if you opt for one of our subscription plans, you’ll unlock substantial discounts and gain access to additional services that can help you save both time and money.  
 
Head to our /pricing/ to learn more about our plans.  

We do not provide tax advice unfortunately, so best to get tax advice directly from your tax adviser. What we can say though is that many businesses utilise rewards credit cards, and the business owners and staff benefit significantly from them many ways, hence partly why we exist. 

While we can’t offer specific tax advice, we recommend consulting your tax adviser for personalised guidance. It’s worth noting that many businesses find value in using rewards credit cards, which can benefit business owners and staff in various ways. This is one of the reasons pay.com.au exists—to provide you with valuable options that suit your business’s needs. 

Not currently, we are exploring ways we can innovate and bring a worldclass payments experience to our customers.  

To make a payment, the amount has to be above $1  

There is no transaction limit when using pay.com.au  

At pay.com.au, we understand that circumstances can change, and you may need to cancel a payment. See our help centre guide below to help you navigate the process: 

https://support.pay.com.au/s/article/Can-I-amend-or-cancel-a-payment-after-authorising-it

Yes you can. To make a recurring payment, you will need to use a valid Visa, Mastercard or American Express card. Bank transfers are currently not unsupported for recurring payments. 

We often have great offers and promotions for new and existing customers. Make sure you keep an eye out in your inbox for the latest offers.  

At pay.com.au, security is our paramount concern. Our dedicated Security team works around the clock to provide you with a secure platform that instils confidence in every payment and transfer you make. Your safety and the protection of your financial data are our top priorities.  

We have implemented a comprehensive set of measures to provide the utmost protection and security for your sensitive card, payment, and banking information.   

Visit our security page to read more about how we keep our platform safe and secure.   

No, you can choose what suppliers or payments you wish to make.  

Yes – you can add, delete and manage all of your payment methods through the platform.  

You can easily reset your password on the login page 

Yes! Refer and earn 10,000 PayRewards, uncapped.

1.Refer a business to pay.com.au with referral code: 13E51F 

2.Your referral transacts $10,000 in their first month 

3. You and your referral receive 10,000 PayRewards PpointsTerms and conditions apply. See here 

Not currently. If you have the authority to act on behalf of a business with a valid ABN (Australian Business Number), you’re eligible to open an account with us. 

Yes we do 

We integrate with Xero to allow you to sync payments and transaction history. 

To learn more, visit our help centre article Here 

Keeping in mind that pay.com.au is a free-to-use platform, if you would still like to withdraw from the platform, we can deactivate your account. 
 
If you would like us to deactivate your account, please send a request to support@pay.com.au. 

Yes, you can pay your employees using your Mastercard, or Visa credit card 

 PayRewards is a flexible rewards program that lets you earn even more points on all your business expenses. By signing up to pay.com.au, you automatically gain exclusive access to PayRewards, so you can accelerate your points earning. 

Convert your PayRewards Points into airline miles for discounted flight bookings and upgrades. Redeem your points for a wide range of valuable rewards, from luxury items to family vacations. You can also use your points for exclusive travel and concierge services through PayTravel and PayConcierge. 

To learn more about PayRewards visit here 

PayRewards is our flexible rewards program that allows you to earn even more rewards points. This is done through earning PayRewards Points, when you are making a payment at the time of transaction you can select a tier of PayRewards – Pay a small percentage on top of your transaction and earn PayRewards Points. This can be done on top of the rewards points you are earning on your credit card, or finally earn rewards points on bank transactions.

There are two tiers of PayRewards Points that you can choose to earn on top of your credit card payments or when making a bank transfer payment.

• You can choose to earn 1 PayRewards Point for every $1 you process through pay.com.au with a 1.0% ex GST processing fee.
• You can choose to earn 2 PayRewards Points for every $1 you process through pay.com.au with a 1.8% ex GST  processing fee.

Whether you need to pay your rent, that looming ATO tax bill, a supplier invoice or your employee’s superannuation, you earn points.

You can access PayRewards by earning PayRewards Points. When you are making a payment at the time of transaction you can select a tier of PayRewards – Pay a small percentage on top of your transaction and earn PayRewards Points.

This can be done on top of the rewards points you are earning on your credit card, or finally earn rewards points on bank transactions. 

There are two tiers of PayRewards Points that you can choose to earn on top of your credit card payments or when making a bank transfer payment.
 

You can choose to earn 1 PayRewards Point for every $1 you process through pay.com.au with a 1.0% ex GST processing fee. 

or 

You can choose to earn 2 PayRewards Points for every $1 you process through pay.com.au with a 1.8% ex GST  processing fee. 

When it comes to redeeming your PayRewards Points, the possibilities are endless. Make a personalised request or transfer your points to the reward programs of our partnered airlines.

After something else? Our dedicated teams will assist you in finding exactly what you are after through our PayTravel and PayConcierge services.

Here are some examples of what you can redeem your PayRewards Points for:

• Prezzee Gift Cards

• Digital Mastercard

• Business class seats to London
• Penfolds St. Henry Shiraz 2018

• Electronics

• Fashion and accessories

  For a taste of what you can redeem your points for, visit our PayRewards examples page here

With PayRewards, the power to choose and enjoy your rewards is entirely in your hands.

PayRewards Points are the most flexible business reward points, letting you earn points on all your business payments. Your PayRewards Points aren’t limited to an airline partner, nor do they expire (as long as you transact through pay.com.au and earn points within 18 months) 
 
How much do PayRewards Points cost: 
There are two tiers of PayRewards Points that you can choose to earn on top of your credit card payments or when making a bank transfer payment. 
 
You can choose to earn 1 PayRewards Point for every $1 you process through pay.com.au with a 1.0% ex GST processing fee. 
You can choose to earn 2 PayRewards Points for every $1 you process through pay.com.au with a 1.8% ex GST processing fee. 

By utilising pay.com.au you earn reward points through your rewards credit card or bank account. 
 
This is done through earning PayRewards Points, when you are making a payment at the time of transaction you can select a tier of PayRewards , pay a small percentage on top of your transaction and earn PayRewards Points. This can be done on top of the rewards points you are earning on your credit card, or finally earn rewards points on bank transactions. 
 
Our rewards program PayRewards allows you to earn additional points when making a payment with our flexible PayRewards Points. 
 
We also allow you to double-dip by earning points on your rewards credit card and earning PayRewards on top. 

• Login to pay.com.au
• Go to PayRewards Menu
• Connect your rewards account
• Then you go to convert points and single conversion
• Select how many points you want to convert and which program
• Double-check you’ve selected the right amount
• Press continue

Our members gain access to our PayTravel team giving you the best experience in travel. We help our customers get the best value out of their frequent flyer points from their rewards credit card or PayRewards, help you save on flights and redeem your points for a first-class experience. 
 
You can redeem your PayRewards Points for luxury travel packages and holidays as well. 
 
At PayTravel we are points experts, we know exactly how to leverage your points balance to get you those upgrades so you can travel your way, all at a fraction of the regular cost. 
 
To learn more, click here

By being on a pay.com.au plan you get access to our Personalised Points Advisors. We will assist you in recommending the best credit cards that fit your business needs and making the most of the world of points. 
 
We will research the best deals on the market and review your current credit card and points portfolio. Our experts will then make personalised recommendations, saving you time, effort and making sure you don’t miss out on any potential value.