Turn your largest regular business expense—payroll—into a points-earning opportunity. Pay employee salaries and wages using your credit card or Pay-by-Bank and earn points & rewards as you go.
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Paying employees with your credit card can improve cash flow by giving you extra days before the funds leave your account. At the same time, you earn valuable credit card reward points on every payment, AND you can choose to earn airline and hotel partner points on top.
If you employ 5 staff members earning $7,000 per month, that’s a total payroll cost of $35,000 per month or $420,000 per year.
By paying payroll via RewardPay using an eligible Visa or Mastercard, earning up to 2 reward points per $1, you could accumulate up to 840,000 reward points annually—simply by paying salaries your business already needs to pay. That’s enough for a business class return flight to Europe.*
Estimated Annual Credit card points * After 12 Months
840,000*Estimated points are illustrative only and correct at time of writing. Actual points earned may vary depending on your Card type, eligible spend, and American Express terms and conditions. Flight redemption estimates are indicative only and subject to airline rewards pricing and availability.
Return Business Class Classic Rewards
320,000 Qantas Points
Return Business Class Partner Reward Seat
204,000 Velocity Points
Premium Accor Hotel Stay 7 nights
200,000 ALL Accor Reward Points
Return Business Class Partner Flight Reward
164,000 Velocity Points
Return Business Class Classic Rewards
320,000 Qantas Points
Return Business Class Partner Reward Seat
204,000 Velocity Points
Premium Accor Hotel Stay 7 nights
200,000 ALL Accor Reward Points
Return Business Class Partner Flight Reward
164,000 Velocity Points
Add your employees and setup their payroll payments. You earn points on your credit card and can choose to earn points with a loyalty partner
Add your payment information as detailed on your invoice
Select your payment method (Amex, Mastercard, Visa, Pay by Bank)
RewardPay pays the supplier on your behalf
Your credit card is charged, earning points
Receive confirmation and remittance for your accounting records
Every dollar you spend on payroll is a dollar that could be earning rewards points. Instead of paying wages directly from your bank account and getting nothing back, using a credit card through RewardPay turns payroll into points that can be redeemed for flights, hotel stays, gift cards and more. For a business paying $200,000+ a year in payroll and other expenses, this could mean earning enough points for a couple of return business‑class flights — value that would otherwise be left on the table.
Credit cards provide a crucial buffer between when your bills are due and when you actually need to settle the payment. With up to 55 days interest-free (depending on your card's billing cycle), you can pay your everyday business payments while keeping your business or personal cash available for urgent expenses, taking advantage of investment opportunities, or waiting for customer invoices to be paid. This short-term financing is provided at no interest cost, unlike a traditional business loan or overdraft facility.
Go beyond your credit card rewards. With RewardPay, you can top up your Partner Points on every business payment you make. Choose to earn extra Qantas Points, Velocity Points, or ALL Accor Points—exactly when you need them—to secure a business or first‑class flight, or a luxury hotel stay for yourself, your family, or your team. You’re not limited to just one rewards partner. With RewardPay, you can boost points across all three programs with every eligible payment and truly maximise your rewards.
Typically 1.25%–2.15% depending on card type
RewardPay is regulated and provides full audit trails
Invoice must be legitimate and payable to an ABN-registered supplier
Typically next business day, depending on cut-off times
AMEX fee from 2.15%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
AMEX fee from 2.05%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
AMEX fee from 1.90%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
RewardPay processing rates may be tax deductible for businesses - please consult your accountant • *Quarterly billing in advance • No early exit • Cancel anytime, access until current quarter ends • ^First 30 days free – new sign-ups only • †Minimum rate based on loyalty partner selected at checkout
 Qantas Points | 1 point per $4(0.50% + GST) | 1 point per $2(0.99% + GST) | 1 point per $1(1.80% + GST) | 2 points per $1(3.6% + GST) |
 Velocity Points | 1 point per $4(0.50% + GST) | 1 point per $2(0.99% + GST) | 1 point per $1(1.80% + GST) | 2 points per $1(3.6% + GST) |
 ALL Accor Reward Points | 1 point per $2(1.80% + GST) | 1 point per $1(3.60% + GST) | ||
 Luxury Escapes Société Points | 3 points per $1(1.64% + GST) | 6 points per $1(3.28% + GST) |
RewardPay turns everyday business expenses into high‑value rewards while providing the trust, reliability, and performance needed for commercial payments.
A decade‑long partnership with American Express, now operating across both Australia and New Zealand.
RewardPay works with and is recognised by major payment networks and loyalty brands including American Express, Visa , Mastercard, Qantas, Virgin, Accor and Luxury Escapes.
RewardPay processes millions of dollars in business payments every month through a PCI‑compliant, encrypted platform, ensuring safe, fast, fraud‑resistant transactions for businesses of all sizes.
RewardPay’s easy, intuitive payment portal is built specifically for small business owners, with an Australian based support team always ready to help.
For businesses spending $50,000+ per annum on their payroll expenses, this can translate into thousands of points.
Redeem points for flights with loyalty partners including Qantas Business Rewards and Virgin Australia Business Flyer
Redeem points on hotel stays with loyalty partners including ALL Accor, Luxury Escapes, Qantas Business Rewards and Virgin Australia Business Flyer
Redeem points from credit card loyalty programs, or transfer points to loyalty partner programs to purchase gifts
Upgrade your home, office or both using rewards earned from business payments made through RewardPay.
| Yes. RewardPay supports payroll payments using Visa, Mastercard or Pay-by-Bank. Amex processing rules do not allow payroll payments to be made via your Amex card. To pay employees, add them as payroll-type payees (via the Payees menu > Add Payroll), create draft payments, then authorise using your eligible payment method. You can also upload payroll in bulk using ABA or CSV payroll files from accounting platforms such as Xero and MYOB. |
Yes. Payroll payments made via Visa, Mastercard or Pay-by-Bank are eligible to earn rewards with one or more of our loyalty partners. Simply link your loyalty accounts in your RewardPay portal and select your earn tier at checkout (additional fees apply). Note that payroll cannot be paid via Amex, so Membership Rewards points do not apply to payroll payments.
Yes. To upload a bulk payroll file, go to New Payment, select Payroll, then select ABA/CSV file. Download the template first to ensure your file matches the required format before uploading. Please note that all employees must be enrolled as payees in your RewardPay account before uploading – any unrecognised payees will cause the file to be rejected. Contact support@rewardpay.com.au if you need help with bulk uploads.
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