Pay your team and earn up to 100,000 bonus PayRewards Points
- Earn points on every $ of wages and super
- Simple per transaction fee (Usually tax deductible)
- Works alongside your payroll software. Simple setup.
The flip
Same payments. Now they pay you back.
Same payroll. Same super. Same amount out the door. The only thing that changes is whether those dollars earn.
Payroll and super run straight out of your bank account.
Run the same payments through us instead.
What's your payroll actually worth?
See the rewards you could earn every time you pay your team.
Pre-filled at 12.5% of payroll (approximate). Edit it if your actual super differs.
+0 Points a year
The July offer
Pay your team for 3 months. Earn up to 100,000 bonus points.
Process payroll and/or super through pay.com.au for three consecutive months, starting with your first payment in July. Open to new and existing customers.
| Monthly payroll + super | Bonus PayRewards Points |
|---|---|
| $10,000 – $49,999 | 50,000 points |
| $50,000+ | 100,000 points |
A bonus on top of the points you already earn
These bonus points are extra, on top of the standard PayRewards and card points you earn on every dollar you process.
Entry window 1–31 July 2026. Your first eligible payment must be made in July. Qualifying period runs for 3 consecutive months (July–September 2026). Spend thresholds are payroll + super combined, per month. Bonus points issued after qualification. New and existing customers. Full terms & conditions apply.
Double-dip
Two sets of points. One payment.
Your card rewards come standard on every payment you run. Switch on PayRewards to stack a second layer on top: points on money you were spending anyway. The July bonus sits on top of all of it.
Opt-in. Choose your package per payment.
Seamless
Your existing payroll workflow. Untouched.
No new system to learn, and no change to how you run payroll. Keep using Xero exactly as you do today, then pay through pay.com.au to earn PayRewards on every run.
Payment timelines
When your team gets paid
Pick the method that suits your pay run. Whichever you choose, every dollar earns PayRewards.
Payroll + super
One way to pay everyone you pay
Wages and super are the same act: paying your people. Run both through one platform and earn on every dollar, even ATO payments.
- ✓Same-day wages via PayID and PayTo
- ✓Visa and Mastercard accepted
- ✓PayRewards on every super contribution
- ✓Uncapped. Every payment earns.
Trust & security
You're handing us payroll. We take that seriously.
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 700223Bank-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 staff and super funds only on your instruction.
FAQ
The questions everyone asks
Calculator assumptions and disclaimer
Super is estimated at 12.5% of the payroll figure you enter and is a guide only. Your actual super guarantee obligation may differ. Confirm with your accountant. The calculator earns on payroll + estimated super combined.
* Good news! The rates for using the pay.com.au payments platform are usually tax deductible for businesses.
† Indicative estimated value of airline points is calculated at 3.5 cents per airline point – this is our estimate of redemption value based on international business class flight redemption. You may not get this value as redemption value rates vary (depending on airline and flight route/class) and any airline point redemption is subject to availability.
Calculations assume the Free plan card processing rate for your card’s scheme (Visa 1.20%, Mastercard 1.00%, all ex GST; linked bank account free), the selected PayRewards package fee, and each card’s published earn rate, points caps and airline conversion rate. The headline airline points figure converts PayRewards to Qantas Points at 2:1 and the card’s points at its airline conversion rate. Fees are shown excluding GST.
Net annual payback and Net ROI are shown after a 25% company-tax deduction on platform fees (fees are typically deductible, but this is not tax advice; confirm with your accountant). Net ROI is the indicative airline value divided by after-tax platform fees. Card earn rates and caps change over time – check your card’s current terms. This calculator is illustrative and separate from the July bonus points offer.
Things you should know
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