How it works
Making the most of your business expenses
- What we do
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How it works
Making the most of your business expenses -
Xero Integration
Seamlessly synchronise your bills -
International Payments
Send payments internationally and earn flexible rewards. -
Accountants and Bookkeepers
Secure payments made simple for you & your clients -
Security
How we keep your payments safe
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- Solutions
- Calculator
- Pricing
- Company
Make payments. Earn points. Simple.
Make payments. Earn points. Simple.
Why pay the old way? Pay smarter with pay.com.au - unlock rewards, improve cash flow, and simplify payments.
3 steps to make the most of every business expense
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Pay how you like
Choose the best method for your business. Use any credit card, bank transfer, or BPAY.
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Whoever you like
Cover expenses from ATO bills to payroll and contractors, even if they don’t accept credit cards.
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Get rewarded
Every payment counts. Maximise your rewards on every transaction, by adding PayRewards.
Trusted by 50,000+ businesses
Helping Australian businesses reimagine their business payments, since 2021.
“I can’t even remember the last time we used cash to pay for a flight.”
“We earn points and get rewarded for our day-to-day, mundane transactions.”
“Before I started using pay.com.au, I had to pay invoices across multiple platforms.”
Our customers say Excellent 
4.3 out of 5 based on 148 reviews 
Business payments with extra benefits
Every payment counts - no matter how you pay, you’re always earning. Uncapped.
Bank transfers. Rewarded
Pay suppliers or bills via bank transfer or BPAY and earn Points. You can even earn on credit card repayments.
Full Points on ATO payments
Paying the ATO directly limits your credit card Points. Use pay.com.au and get your full Points allocation.
More payments, more points
Unlock flexibility and use the payment method that works for you, not just your supplier.
Cashflow. Boosted
Use your credit card’s interest-free period to manage cash flow—up to 55 days.
Stack your rewards
Earn rewards twice with PayRewards! Use your rewards credit card (hello, Amex!) to rack up Points, then double them with PayRewards for even more rewards!
The rewards program that works as hard as you do
Built for business owners, PayRewards lets you earn PayRewards Points on all your business expenses and unlock a range of business benefits.
Airline & Hotel Partners
Fly Business or First Class with direct transfers to more than 10 leading airline and hotel partners.
Customised Redemptions
Gift cards. Products. Invoices. Luxury travel. With PayRewards, it’s your points, your choice. Reward yourself (or others) your way.
Unlock Exclusive Business Benefits
With PayRewards you unlock exclusive benefits built to power your business. Access bonus point transfers with our travel partners, plus exclusive discounts or offers, through our Member Benefits portal.
All from one platform
Xero integration
Sync transactions seamlessly for effortless reconciliation.
Invite your team
Manage multiple businesses from one platform and assign roles like bookkeepers or admins.
Custom authorisation
Manage payment approvals for secure, controlled spending.
Recurring payments
Automate bills and payments to save time and effort.
Password-free login
Enjoy secure, fast account access with Passkeys for a safer login experience.
Share points with staff
Send points to staff or others in your business.
Trusted by leading Australian businesses
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.
a 4-minute demo