Case study Marketing

How Fast-Growing Agencies Like TFM Digital Unlock Rewards on Ad Spend

See how TFM Digital turned complex ad spend into simpler payments, stronger supplier relationships, and Business Class flights, for their fast growing agency.

Earned on Google Ad Spend

Paid Google Ad invoices with credit card, unlocking missed Membership Rewards

Double Stacked

Earned their full credit card rewards plus PayRewards Points when paying suppliers.

Rewarded staff

Used points to reward staff, adding an extra layer of motivation and appreciation.

TFM Digital is a leading marketing agency specialising in media buying and planning for franchise and multi-location clients.

INDUSTRY Marketing and Advertisment
LOCATION Brisbane, Australia
COMPANY SIZE 50+ employees

How they used pay.com.au

Credit Card RewardsEarn points for business credit card payments
AMEX RewardsEarn AMEX points for business transactions
PayRewardsRedeem points for travel, gifts, experiences

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Background

TFM Digital is a leading marketing agency specialising in media buying and planning for franchise and multi-location clients. In just four years, the agency has scaled rapidly, earning a place on the 2024 AFR Fast 100 list.

As the business grew, so did the complexity of managing supplier payments and client ad spend. With multiple high-value campaigns running at once, TFM Digital faced increasing pressure on cashflow, payment processes, and lost opportunities for rewards.

The Challenge

Cashflow Pressure: Large supplier invoices often had to be paid before client funds were received.

Manual Admin: Hours wasted shifting money across accounts just to ensure bills were paid.

Missed Rewards: Changes like Google Ads moving away from credit card payments meant valuable points were slipping away.

High Travel Costs: Sending teams interstate for client events, plus international trips, quickly added up.

pay.com.au solved a lot of things for us—cashflow being number one. Now I can upload all my payments at once and know they’ll be paid in two business days. It’s easier, our suppliers are happy, and we’re unlocking travel rewards we’d never have paid for out of pocket.”

Matt Fielding Growth Director at TFM Digital

How pay.com.au helped TFM Digital

TFM Digital turned to pay.com.au to centralise and optimise their payments. The platform delivered:

Streamlined Processes: Their bookkeeper simply generates an ABA file and uploads it to pay.com.au. Payments are processed in two business days—no manual chasing.

Cashflow Flexibility: Using their American Express card through pay.com.au gave TFM Digital breathing room to pay suppliers immediately while extending repayment until client funds cleared.

Rewards Maximisation: Every business expense—rent, utilities, suppliers Google, Meta, and client ad spendwas routed through pay.com.au, earning both full credit card points and PayRewards Points.

Gaining Back Points lost on Google Ads: Even with invoiced services like Google Ads, pay.com.au ensured the agency continued earning rewards.

The Results

Time Saved: Hours of manual payment management eliminated each week.

Stronger Supplier Relationships: On-time payments built trust and kept campaigns running smoothly.

Travel Paid With Points: Flights and accommodation for Sydney client events fully covered by rewards. 150,000+ points redeemed for Business Class flights to European experience the team wouldn’t have paid cash for.

Cashflow Confidence: The ability to manage million-dollar campaigns without cashflow bottlenecks.

"I think if other agencies aren't using pay.com.au, they're missing out on rewarding themselves, for the payments they have to make anyway."

Taylor Fielding CEO at TFM Digital

Getting started with pay.com.au

For fast-growing agencies balancing multiple clients spends, pay.com.au is more than a payment platform. It simplifies operations, eases cashflow pressures, and turns everyday business expenses into powerful rewards.

Agencies not using pay.com.au are leaving value on the table in efficiency, in rewards, and in the ability to reinvest time and resources back into their growth. “You’d be crazy not to” start using pay.com.au.