Contractors can be a large business cost, and generally you pay from your bank account to their bank account. With RewardPay you can pay contractors – such as trades people or consultants, with your credit card and earn rewards points for these substantial monthly payments. You also get the benefit of up to 55 days interest free credit which helps business owners manage their cashflow.
Get Started
Even if your contractor only accepts direct deposits or bank payments, RewardPay can enable payment of these contractors via your chosen credit card. Here’s how it works: Rewardpay portal receives payments from your credit card provider, then pays your contractors on your behalf. Not only does this offer the cash flow flexibility of your card’s interest-free period, it also gives you credit card rewards points on each and every payment.
Pay five contractors $80,000 each per year and that’s $400,000 in annual spend.
Put this on an American Express Explorer Card at 2 Membership Rewards points per $1 and you could earn up to 800,000 MR points annually — enough for 3–4 return business‑class flights to Europe.
Plus, up to 55 days interest‑free can help improve cash flow when contractor costs are paid before clients pay you.
Estimated Amex Membership Rewards Points per year
800,000Add little disclaimer....
With 800,000 Qantas Points, you could have:
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
Paying business expenses like contracting costs with your credit card via RewardPay will allow you to earn points on necessary spend.
Add your BAS or other ATO obligation invoice payment information
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 your Contractor costs and other business expenses is a dollar that could be earning you rewards points. Unlike paying direct from your bank account, where you receive nothing in return, using a credit card through RewardPay converts your business spend into points that can be redeemed for flights, hotel stays, gift cards and more. For a business paying $200,000+ annually in contractor costs, plus tax, rent 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%–2.10% 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%*
 Qantas points | 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 $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(0.99% + GST)* | 1 point per $1(1.80% + 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 Air New Zealand.
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 $10,000+ per month on Contractors, this can translate into thousands of dollars in annual value.
Redeem points for flights with loyalty partners including Qantas and Virgin Australia
Redeem points on hotel stays with loyalty partners including Accor, Qantas and Virgin Australia
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 points on BAS and other tax obligation spend with RewardPay.
| Yes. RewardPay supports payments to contractors and freelancers with an active ABN. Your contractor receives payment directly into their Australian bank account – they do not need to accept credit cards or sign up to anything. You will need their ABN, bank account number and BSB, and a payment reference such as an invoice number to add them as a payee. |
| Yes. Contractor payments are eligible to earn Membership Rewards points (when paying by Amex) plus optional additional rewards such as Qantas Points or Velocity Points. For businesses that rely heavily on contractors or freelancers, RewardPay is a simple way to turn an unavoidable expense into meaningful loyalty rewards. |
| Yes. RewardPay can only make payments to businesses and individuals with an active Australian ABN. This is a compliance requirement under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006, which RewardPay must comply with as an AUSTRAC-registered business. If your contractor does not have an active ABN, they cannot be paid through RewardPay. |
Trusted by 10,000+ business owners
View all
Hospitality
Energy Industry
Manufacturing
Construction
Still have questions? Chat with us.