Food and Beverage

Pay Your Suppliers with RewardPay: Turn Food and Beverage Expenses into Rewards

RewardPay transforms your food and beverage supplier payments into valuable rewards while solving critical cash flow challenges. By enabling credit card payments to suppliers who don't accept Amex or other cards, you can earn thousands of points on ingredient purchases, equipment costs, and distributor invoices—while accessing up to 55 days of interest-free credit to navigate seasonal demand fluctuations and delayed customer payments.

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Why use a Credit Card for Marketing Expenses?

Payroll

Pay Food and Beverage Expenses

Paying key food and beverage suppliers 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 can choose to earn extra loyalty partner points on every payment on top.

For example

Pay $30,000 a month to three suppliers on an American Express Platinum Business Card and you’ll spend $360,000 a year.
At 2.25 MR points per $1, that’s up to 810,000 Membership Rewards points annually — enough for up to 6 return business‑class flights to Singapore or 2–3 return business‑class flights to Europe, simply by paying suppliers you already use.

Estimated Annual American Express MR Points * After 12 Months

810,000

Add little disclaimer....

With 810,000 Qantas Points, you could have:

Europe
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Europe

Return Business Class Classic Rewards

320,000 Qantas Points

Los Angles
virgin

Los Angeles

Return Business Class Partner Reward Seat

204,000 Velocity Points

Europe
all

Paris

Premium Accor Hotel Stay 7 nights

200,000 ALL Accor Reward points

Tokyo
virgin

Tokyo

Return Business Class Partner Flight Reward

164,000 Velocity Points

Europe
Quantas Logo

Europe

Return Business Class Classic Rewards

320,000 Qantas Points

Los Angles
virgin

Los Angeles

Return Business Class Partner Reward Seat

204,000 Velocity Points

Europe
all

Paris

Premium Accor Hotel Stay 7 nights

200,000 ALL Accor Reward points

Tokyo
virgin

Tokyo

Return Business Class Partner Flight Reward

164,000 Velocity Points

How to Pay Food and Beverage Expenses with a Credit Card and Earn Points

Paying business expenses like food and beverage expenses with your credit card via RewardPay will allow you to earn points on necessary spend.

Step 01

Add your BAS or other ATO obligation invoice payment information

Step 02

Select your payment method (Amex, Mastercard, Visa, Pay by Bank)

Step 03

RewardPay pays the supplier on your behalf

Step 04

Your credit card is charged, earning points

Step 05

Receive confirmation and remittance for your accounting records

Step 01

Add your BAS or other ATO obligation invoice payment information

Step 02

Select your payment method (Amex, Mastercard, Visa, Pay by Bank)

Step 03

RewardPay pays the supplier on your behalf

Step 04

Your credit card is charged, earning points

Step 05

Receive confirmation and remittance for your accounting records

Pay using RewardPay now

Why Use a Credit Card for Food and Beverage Expenses?

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Earn Rewards on Every Dollar Spent

Convert your substantial supplier spending into valuable rewards points instead of earning nothing with bank transfers. A restaurant spending $20,000 monthly on ingredients or a distributor paying $50,000 quarterly can earn tens of thousands of points annually—enough for flights, hotels, or cashback that effectively offset RewardPay's service fee while turning mandatory expenses into tangible business or personal benefits.

Improve Cashflow

Bridge the Cash Flow Gap

Food and beverage businesses face a critical timing mismatch: suppliers demand payment within 15-30 days while customers take 30-90 days to pay. RewardPay gives you up to 55 days of interest-free credit to pay suppliers on time while waiting for customer payments, helping you manage seasonal inventory buildups and maintain operations during slower periods without cash flow stress.

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Protect Margins and Supplier Relationships

With razor-thin margins, food and beverage businesses can't afford supplier relationship problems. Pay suppliers promptly to secure quality ingredients, favorable terms, and priority service during shortages—all while preserving working capital for payroll, utilities, and unexpected opportunities like bulk discounts or equipment deals that improve your bottom line.

RewardPay helps business owners pay food and beverage and other business bills and earn rewards – so you’re get something back for your hard work.

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Platform & Processing Considerations

  • Fees

    Typically 1.25%–2.10% depending on card type

  • Compliance

    RewardPay is regulated and provides full audit trails

  • Eligibility

    Invoice must be legitimate and payable to an ABN-registered supplier

  • Payment Speed

    Typically next business day, depending on cut-off times

RewardPay offers flexible payment options

Choose RewardPay Pricing that fits your business

Pick a plan to unlock better rates and earn more points on every payment.

Free

$0/month

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Platform Fees

  • AMEX fee from 2.15%

  • Mastercard fee from 1.25%

  • Visa fee from 1.25%

  • Bank Payment from 0.5%*

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Silver

$79/month

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Platform Fees

  • AMEX fee from 2.05%

  • Mastercard fee from 1.25%

  • Visa fee from 1.25%

  • Bank Payment from 0.5%*

Learn more

Gold

$159/month

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Platform Fees

  • AMEX fee from 1.90%

  • Mastercard fee from 1.25%

  • Visa fee from 1.25%

  • Bank Payment from 0.5%*

Learn more

Add on rewards partner points*

quantasQantas points1 point per $2(0.99% + GST)*1 point per $1(1.80% + GST)*2 points per $1(3.6% + GST)*
virginVelocity points1 point per $2(0.99% + GST)*1 point per $1(1.80% + GST)*2 points per $1(3.6% + GST)*
allALL Accor Reward points1 point per $2(0.99% + GST)*1 point per $1(1.80% + GST)*
Luxury EscapesLuxury Escapes Société points 3 points per $1(1.64% + GST)*6 points per $1(3.28% + GST)*

Why RewardPay?

RewardPay turns everyday business expenses into high‑value rewards while providing the trust, reliability, and performance needed for commercial payments.

Celebrating 10 Years
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Long‑standing,
Proven Partnership

A decade‑long partnership with American Express, now operating across both Australia and New Zealand.

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Trusted by Leading Global Payment Brands

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.

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Secure, Bank‑Grade
Payment Infrastructure

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.

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Payment solution built for small business, best in class, local support team

RewardPay’s easy, intuitive payment portal is built specifically for small business owners, with an Australian based support team always ready to help.

Rewards You Can Earn by Paying key Food and Beverage suppliers with Your Credit Card

For businesses spending $50,000+ per annum on Food and Beverage expenses, this can translate into thousands of dollars in annual value.

Flights

Redeem points for flights with loyalty partners including Qantas and Virgin Australia

Hotels

Redeem points on hotel stays with loyalty partners including Accor, Qantas and Virgin Australia

Gifts

Redeem points from credit card loyalty programs, or transfer points to loyalty partner programs to purchase gifts

Merchandise

Upgrade your home, office or both using rewards earned from points on BAS and other tax obligation spend with RewardPay.

reward pay

Frequently asked questions:

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Yes. Food and beverage is a supported expense category on RewardPay. Cafes, restaurants, catering companies, wholesale food suppliers and other F&B businesses can all be paid via RewardPay. Your supplier receives payment directly into their Australian bank account. You will need their ABN, bank account details and a payment reference to set them up as a payee.

Yes. Food and beverage payments through RewardPay are eligible to earn Membership Rewards points (when paying by Amex) plus optional additional rewards such as Qantas Points or Velocity Points. For hospitality and food-service businesses with significant supplier spend, RewardPay is a simple way to earn meaningful loyalty rewards on expenses that typically do not accept credit cards.

No. Your suppliers do not need to create a RewardPay account, accept credit cards, or take any action. They simply receive funds directly into their nominated Australian bank account, just like a standard bank transfer. The RewardPay processing fee is charged to you – your supplier receives the full invoice amount.

Rewarding Australian businesses every day

Trusted by 10,000+ business owners
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peoples

We pay all of it on the Amex card, so you’re getting a reward back by getting the points

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Nelly Robinson

Hospitality

I can pay any of my suppliers even the ones that don’t accept American Express.

Richard Romanowski
Richard Romanowski

Energy Industry

Through using rewardpay, I’ve earned about 3 million points

Luciano
Luciano Schettini

Manufacturing

The main reason for using RewardPay is for cashflow, points are just the perk.

Antonio Macri
Antonio Macri

Construction