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 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 2 business class return flights to Europe.
Estimated Annual Credit card points * After 12 Months
840,000Add little disclaimer....
With 840,000 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
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 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 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%–2.10% 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 $50,000+ per annum on their payroll expenses, this can translate into thousands of points.
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 payroll payments using Visa, Mastercard or Pay-by-Bank. Amex processing rules do not allow payroll via 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 ABA or CSV payroll files from accounting platforms such as Xero and MYOB. |
| Yes. Payroll payments made via Visa, Mastercard or Pay-by-Bank through RewardPay are eligible to earn Qantas Points. Select your preferred earn tier when creating the payment – points are credited to your linked Qantas Business Rewards account weekly. Payroll payments cannot be made via Amex card, so Membership Rewards points do not apply to payroll. |
| Yes. RewardPay accepts ABA files (exported from platforms such as Xero or MYOB) and CSV files to create bulk payroll draft payments. From the Payees menu, click Bulk Upload and select your file. Any employee not already set up as a payee in RewardPay must be added first – the portal will reject the entire file if an unrecognised payee is found. Contact support@rewardpay.com.au for help with bulk uploads. |
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