Your payees
Acme Supplies
Supplier
ATO
BAS and PAYG
Landlord
Office rent
New customer offer · Ends 30 November 2026
Pay or get paid. Earn up to 300,000 bonus PayRewards Points.
- 10,000 bonus PayRewards Points at $25,000, up to 300,000 at $1 million
- Payments you make and receive add up, 16 October to 30 November 2026
- Pay any supplier or the ATO by credit card, now and after 30 June 2027, and earn on top of your card points
Free plan. No lock-in. Start with one payment.
The offer
Move $1 million by 30 November. Earn 300,000 bonus PayRewards Points.
The more you move, the more you earn. Make or receive $25,000 or more through pay.com.au between 16 October and 30 November 2026. Payments you make and payments you receive add up to one total. The bonus is on top of the PayRewards Points you earn on every payment.
| Made and received by 30 November 2026 | Bonus PayRewards Points |
|---|---|
| $25,000 to $49,999 | 10,000 points |
| $50,000 to $99,999 | 25,000 points |
| $100,000 to $499,999 | 100,000 points |
| $500,000 to $999,999 | 200,000 points |
| $1 million+ | 300,000 points |
Get started
No lock-in. Start with one payment.
How it works
How pay.com.au works
You pay us by card or bank transfer. We pay your supplier by bank transfer. You earn on every dollar.
Payments
Supplier invoice
Paid$12,400
ATO BAS
Paid$8,150
Office rent
Paid$6,200
You’ve earned
+53,500 PayRewards Points
What are PayRewards Points?
pay.com.au’s own rewards points. You earn them on payments through pay.com.au by credit card or bank account, on top of any points your credit card earns under its terms.
- Earned when you choosePayments you make: Core 1 point per $1, Plus 2, Ultra 3 (Regular and Premium plans). Payments you receive: 1 or 2. Uncapped.
- Your own balanceThey build in your pay.com.au account, ready to transfer or spend.
- Transfer to 17 partnersQantas and Virgin at 2:1, plus more airlines and hotels.
- Or spend themOn gift cards, or to pay a business invoice.
Security
Your payments are secure
Trusted by 100,000+ businesses. $20B+ processed. AFSL 700223.
End-to-end encryption
Real-time AML & KYC
Card & bank data tokenised
Passkey & MFA enabled
ANZ quarantined funds
Cash-backed points
Pay anyone
Pay any supplier by credit card.
Add the supplier, pick Amex, Visa or Mastercard, and choose the date. We pay them by bank transfer, so nothing changes for them. You keep your card points and get weeks of extra cash flow on bills that never took a card.
Amex, Visa and Mastercard
Get paid
Pay comes in. Points come out.
Put your pay.com.au PayID or bank details on your invoices. Customers pay as they always do, funds settle to you by 2pm each business day, and every dollar received earns PayRewards Points. Payments you receive count toward your bonus tier too.
1 or 2 PayRewards Points per $1 received
Pay the ATO
Keep your credit card on your tax bill.
BAS, PAYG instalments and income tax. Pay by credit card through pay.com.au now and after 30 June 2027. We pay the ATO by BPAY with your payment reference number.
BAS, PAYG instalments and income tax
Move more. Earn more.
Make or receive $25,000 or more by 30 November 2026, in any mix.
Get started No lock-in contract
ABN is all you need
Set up in minutes
Why pay through pay.com.au
pay.com.au vs direct bank transfer
A direct bank transfer earns nothing. The same payment through pay.com.au earns card points and PayRewards Points.
| Feature | pay.com.au Get started | Direct EFT |
|---|---|---|
| Rewards | ||
| Earn PayRewards Points | ||
| Earn credit card points | ||
| Earn PayRewards Points on money you receive | ||
| Up to 300,000 bonus PayRewards Points | ||
| 17 transfer partners | ||
| Pay invoices with points | ||
| Business benefits | ||
| Pay suppliers who don’t take credit cards, by credit card | ||
| Pay the ATO by credit card after 30 June 2027 | ||
| Credit card cash flow flexibility | ||
| Typically tax-deductible fees | ||
| Payments in and out on one platform | ||
| ISO 27001 & 3DS security |
Rewards
Earn PayRewards Points
Pay
EFT
Earn credit card points
Pay
EFT
Earn PayRewards Points on money you receive
Pay
EFT
Up to 300,000 bonus PayRewards Points
Pay
EFT
17 transfer partners
Pay
EFT
Pay invoices with points
Pay
EFT
Business benefits
Pay suppliers who don’t take credit cards, by credit card
Pay
EFT
Pay the ATO by credit card after 30 June 2027
Pay
EFT
Credit card cash flow flexibility
Pay
EFT
Typically tax-deductible fees
Pay
EFT
Payments in and out on one platform
Pay
EFT
ISO 27001 & 3DS security
Pay
EFT
Join 100,000+ businesses that love rewards
“As a building company, we’ve found Pay.com.au extremely helpful in streamlining our payments and managing project-related expenses… Highly recommend!“
Alex M
“My experience was great from start to finish. The team was professional, helpful, and very responsive. Everything was handled smoothly, and I would definitely recommend this company to others.”
Sarmad D
“Great to have a reach out to help with the account, it was straight forward to use but this was a very nice personal touch.”
Ryan
“I felt very confident that this company cares about their customers and want to offer a level of support that is superior to most other comparable companies… amazing!”
Steven
“Super helpful onboarding service. Making it so easy to pay our first few transactions. Explained all the tips and tricks to make life easier too.”
Herman C
“We’ve had such a fantastic experience with Pay.com.au. It’s refreshing to work with a company that not only provides a great product but also genuinely cares about their customers.”
Cassandra A
"No brainer, tax deductible fees and points that can be transferred to any loyalty partner worth using."
Jack B
"I just processed my first batch of supplier accounts and the platform is so user friendly. Customer service from Charlie is exceptional!"
Emma
"My advisor Craig has been so good to deal with… Highly recommend. Just wish I signed up sooner!"
Damien
"I am loving pay.com.au with its ever expanding list of Partners, secure transactions and customer service."
Paul M
"They’re constantly adding new partners and features, so there’s always something new to explore. The webpage is super easy to use, and the staff are incredibly helpful.. I highly recommend giving it a try!"
Saurav
"As a business owner, I’ve found pay.com.au a brilliant solution for managing payments and improving cash flow... I’d highly recommend pay.com.au to any business looking to streamline payments and unlock more value from everyday transactions."
Phillip B
"First class web app easy to use! Potential point return far superior to other similar priced payment services. The amount of partners/airlines to transfer points to us amazing!!!"
Bradley
"Quick, easy, and complimentary to my business activities. Professional organisation fulfilling its potential."
Gavin
"The team at pay.com.au have been 5 star from the get go. Helping us get started to navigating the travel hub which is the main reason we got involved!! 👏"
Gareth
"Why not earn points on your spend!? I am so confident you or your business will love it… It's 10 out of 10 folks!"
Dean O
"Great customer service like this is hard to come by in Australia these days. Thank you to the Pay.com.au team—keep up the fantastic work and continue building in this direction."
KE
"Easy transactions and reliable service. Have and will continue to recommend to friends and colleagues."
Mark H
"It is a game changer for business owners and companies who want a peace of mind regarding bills and other payments including payrolls… Highly recommended, you will not be disappointed."
Alexis
"This company provides an awesome method for us to pay tax, super, suppliers, business expenses and staff whilst accumulating Qantas, Virgin and Singapore Airlines frequent flyer points."
Timbo
"Easy, secure and points rewards are fantastic!"
Nick
"Great Xero integration and very prompt support. Lots of flexibility with how to use reward points as well."
Oliver R
"We pay all our business expenses via pay.com.au to maximise our points generation… The platform is seamless and easy to use - couldn't recommend it highly enough!"
Mike S
"From day one, the customer service has been faultless. Used their services multiple times and couldn't be happier. Highly recommended!"
Niranjan
"pay.com.au has been extremely easy to set up and use. The pay.com.au team are always very responsive and helpful!"
Lisa A
Common questions
The offer. Straight answers.
Everything you need to know about the bonus, the credit card changes and how pay.com.au works.
Sign up for a new pay.com.au business account (or accept your invitation if you already have one), then make or receive $25,000 or more in eligible payments between 16 October and 30 November 2026. $25,000 to $49,999 earns 10,000 bonus PayRewards Points. $50,000 to $99,999 earns 25,000. $100,000 to $499,999 earns 100,000. $500,000 to $999,999 earns 200,000. $1 million or more earns 300,000. The bonus is credited within 30 days after the offer ends. Full terms and conditions apply.
No. You receive the bonus for the highest tier you reach by 30 November 2026. It is one offer per business.
Yes. Eligible payments you make through pay.com.au and payments you receive to your pay.com.au PayID or account details between 16 October and 30 November 2026 both count toward your tier, and they add together: $60,000 paid out plus $40,000 received is a $100,000 total. They earn at different rates. Payments you make earn 1, 2 or 3 PayRewards Points per $1, and Ultra’s 3 per $1 needs the Regular or Premium plan. Payments you receive earn 1 or 2 PayRewards Points per $1, because Ultra does not apply to money received.
Yes. You can pay the ATO directly by credit card until 30 June 2027. After that date the ATO stops accepting credit cards directly, and it says third-party payment providers can still take them. Through pay.com.au you pay by credit card and we pay the ATO by BPAY, now and after 30 June 2027. Read the ATO media release.
Pay them through pay.com.au. Add the supplier, pay by Amex, Visa or Mastercard, and pay.com.au pays them by bank transfer, so they never need a card terminal. Since 1 October 2026, eftpos, Mastercard and Visa rules stop businesses adding a surcharge for card payments, so some suppliers may stop taking credit cards.
No. Take one $100,000 supplier payment by American Express Platinum Business on the Premium plan (complimentary for your first 90 days, then $165 a month) with PayRewards Ultra. You pay $2,700 in PayRewards fees and $1,905 in card fees (ex GST), about $3,454 after a typical tax deduction. You earn 300,000 PayRewards Points at Ultra’s 3 per $1, plus 100,000 bonus PayRewards Points for reaching the $100,000 tier, plus 112,500 Qantas Points from your card under its own terms. Redeemed for business class flights that is an indicative $10,938 (). Card fees are 1.00% to 1.20% for Visa and Mastercard and 1.75% to 2.10% for American Express (ex GST), depending on your plan and the payment size.
PayID payments arrive the same day when made before 2pm Melbourne time. Card payments arrive the next business day. Standard bank transfers take two business days. You see the delivery date before you confirm every payment.
You register with your ABN and verify your identity, which takes a few minutes. Then you add a payee, choose how to pay and confirm your first payment. Payments you make or receive up to 30 November 2026 count toward your bonus tier.
Add the ATO as a BPAY payee in pay.com.au, pay by credit card, and pay.com.au pays the ATO by BPAY. You need your payment reference number (PRN) from the ATO. Your card earns points under its own terms, and you can earn PayRewards Points too.
pay.com.au Limited holds an Australian Financial Services Licence (AFSL 700223) issued by ASIC. The platform is ISO 27001 certified and PCI DSS compliant, card and bank data are tokenised, every login uses passkey or multi-factor authentication, and customer funds are quarantined in an ANZ institutional account. You approve every payment and see the delivery date before you confirm.
Transfer them to 17 airline and hotel partners, including Qantas Business Rewards and Virgin Australia Business Flyer at 2:1, Singapore Airlines KrisFlyer, Emirates Skywards, Marriott Bonvoy and Hilton Honors. Or redeem for digital gift cards, or use them to pay a business invoice. Flights typically return the most value per point. PayRewards Points expire after 18 months with no earning activity, and any payment that earns PayRewards Points keeps your balance active.
Yes. pay.com.au is built for Australian businesses, so you need an active ABN, and the person signing up must be a director or beneficial owner. Registration takes a few minutes.
Offer details and disclaimers
For new pay.com.au business customers, and existing customers we invite. You earn the bonus for the highest tier you reach between 16 October and 30 November 2026, credited within 30 days after the offer ends. Tiers don’t stack, and it is one offer per business. 300,000 bonus PayRewards Points transfer to 150,000 Qantas Points at 2:1, an indicative $5,250 in business class flights†. General information only, not personal financial, tax or legal advice. Full terms and conditions apply.
* Not all business expenses can be processed via our platform (and in some cases, depending on payment method type), for more details see Payment Rules and Regulations.
† Indicative estimated value of airline points varies by redemption class and is calculated at 1.7 cents per airline point for economy, 3.5 cents for international business class and 6 cents for first class flight redemptions. Where credit card points are shown for non-flight redemptions, a conservative 1.7 cents per airline point is applied. You may not get this value as redemption value rates vary (depending on airline and flights route/class) and any airline point redemption is subject to availability.
# Net fees assume that PayRewards Package Fees are tax deductible at a rate of 25%. This is general information only and does not take into account your individual business circumstances. Tax deductibility depends on your specific situation and may change over time. You should seek your own tax advice before relying on this information.
^ Airline points redeemed from PayRewards Points is calculated on the basis of a transfer rate of 2:1. Some airline partners have lower transfer rates. View current airline partner transfer rates.
+ Credit card earn rates are based on publicly available information published by card issuers as at date of last update. Some credit cards have limits on the number of points you can earn, restrictions on earn rate or other restrictions including prohibited payment types. This example does not account for these credit card terms, so actual credit card rewards may vary. Please refer to your credit card terms and conditions for further information.
General Disclaimer: The information in this example is general in nature and has been prepared without taking into account your objectives, financial situation or needs. You should consider whether the information is appropriate for your circumstances and seek independent advice where appropriate. It does not provide personal financial, tax or legal advice.
The information reflects information available as at the date of last update, and has not been updated to reflect any changes since. This example includes information obtained from third-parties, such information has not been independently verified. While reasonable care has been taken in preparing the information displayed by the example, no representation or warranty is made as to the accuracy, completeness or reliability of the information obtained from third-parties.
Date of last update: 13 October 2026
Things you should knowShow full termsHide full terms
Terms and Conditions: Earn up to 300,000 bonus PayRewards Points on your business’ payments
- Eligible Customers who make not less than $25,000.00 in Eligible Payments during the Offer Period will receive bonus PayRewards Points based on the total of Eligible Payments made in that period (the “Offer”).
- This Offer is conducted by Pay.com.au Limited ACN 639 316 546 (“pay.com.au”). Questions relating to this Offer should be directed to support@pay.com.au.
- These Offer Terms should be read in conjunction with the pay.com.au General Terms and Conditions (the “General Terms”). To the extent of any inconsistency, the General Terms shall prevail over these Offer Terms.
- The rules of Construction in section 1.2 of the General Terms apply to these Offer Terms. Capitalised terms used below and not otherwise defined have the meaning as set out in the General Terms.
- The Offer commences at 12:01am AEDT on 16 October 2026 and ends at 11:59pm AEDT on 30 November 2026 (the “Offer Period”).
- To be eligible for this Offer, customers must either:
- sign up for, and successfully verify, a new Business Account during the Offer Period; and
- not be, and not be linked to, an Australian business that already holds, or has previously held, a pay.com.au account,
- hold an existing Business Account with pay.com.au which has never made or received a transaction via the Platform and verify that account (if applicable);
- receive an invitation to participate in this Offer (invitations are issued at the sole discretion of pay.com.au): and
- ensure the Business Account and all linked User Accounts are in good standing,
- Eligible New Customers and Eligible Existing Customers are collectively “Eligible Customers”.
- Eligible Customers who make not less than $25,000.00 AUD in Eligible Payments within the Offer Period will receive bonus PayRewards Points based on the total Australian dollar value of Eligible Payments processed, as follows:
- $25,000.00 to $49,999.99: 10,000 bonus PayRewards Points;
- $50,000.00 to $99,999.99: 25,000 bonus PayRewards Points;
- $100,000.00 to $499,999.99: 100,000 bonus PayRewards Points;
- $500,000.00 to $999,999.99: 200,000 bonus PayRewards Points; or
- $1,000,000.00 or more: 300,000 bonus PayRewards Points,
- For the avoidance of doubt, bonuses do not accumulate and Eligible Customers are only entitled to receive one (1) of the above bonuses per Business Account.
- For the purposes of these Offer Terms, “Eligible Payments” means the following:
- any outgoing payment submitted and approved via the pay.com.au Platform;
- incoming payments received by the Eligible Customer under the Get Paid Services;
- which are successfully remitted to the applicable Nominated Payee within seven (7) calendar days of the end of the Offer Period; and
- which are not, at any time on or before the Reward Issue Date, subject to a refund, cancellation, chargeback or other payment recall,
- Prohibited Payments;
- payments made for any illegal, improper or fraudulent purpose; and
- payments which otherwise do not comply with the General Terms.
- Eligible Payments for the purpose of these Offer Terms are taken to include any applicable fees and taxes.
- Eligible Customers who meet all of the above requirements for this Offer will have their account credited with bonus PayRewards Points within 30 days of the end of the Offer Period (the “Reward Issue Date”) subject to any documentation requested by pay.com.au.
- Bonus PayRewards Points will only be awarded to the Eligible Customer who is the Account Owner of the relevant Business Account. The Account Owner must satisfy all criteria under these Offer Terms to receive the bonus PayRewards Points.
- Pay.com.au is not liable for any delay in crediting or providing rewards or bonuses. Pay.com.au reserves the right to cancel any entitlement to rewards or bonuses after the Reward Issue Date if pay.com.au determines that the Eligible Customer has breached the General Terms or these Offer Terms.
- To qualify, Eligible Customers must not be in breach of the General Terms or these Offer Terms, and their Business Account (and all linked User Accounts) must be in good standing.
- Pay.com.au reserves the right to refuse to credit rewards or bonuses if pay.com.au has reasonable grounds to believe that the Eligible Customer has breached the General Terms and/or these Offer Terms.
- Eligible Customers can only qualify once per Australian business registered with pay.com.au. Duplicate accounts will not qualify for this Offer.
- This Offer is not available in conjunction with any other offer or promotion except standard referral and sign-up codes. QBR100 sign-up codes are not eligible for this offer.
- Eligible Customers remain solely responsible for confirming their own payment obligations, including beneficiary details, payment amounts and payment deadlines, with their suppliers and payees.
- Eligible Customers should consider the tax consequences of receiving bonus PayRewards Points under this Offer. Consult a qualified tax advisor for further information.
- Your information is collected and handled in accordance with the pay.com.au Privacy Policy.
- Any claims or questions in relation to this Offer must be made directly to pay.com.au via support@pay.com.au.
- To the extent permitted by law, pay.com.au reserves the right to amend or withdraw this Offer at any time without notice.
a 4-minute demo