pay.com.au

pay.com.au, business payments with rewards in Australia

pay.com.au is an Australian business payments platform that allows businesses to make payments to suppliers, tax obligations, rent, payroll and superannuation contributions via credit card, bank transfer or BPAY, even when the recipient does not accept cards. The core proposition is to turn those regular payments into points redeemable through its PayRewards rewards program.

The company states it has more than 100,000 business users and has operated since 2021, according to its own presentation. Its offering targets Australian businesses looking to optimise cash flow and earn returns on recurring expenses.

How the payment system works

The platform allows you to pay any supplier using a credit card, bank transfer or BPAY, even if the supplier does not accept cards. It also supports international payments and receiving customer payments, generating rewards every time money enters the account. Key features include:

• Payments to suppliers and invoices via transfer or BPAY, with points accrual, even when paying credit cards.
• Payment of tax obligations (ATO) with full points allocation, overcoming the usual limitations of credit cards.
• Use of the credit card's interest-free period, up to 55 days, to manage cash flow.
• Automated recurring payments and custom authorisations to control spending.
• Passwordless access via Passkeys.
• Ability to share points with employees or other company members.

PayRewards: the rewards program

PayRewards is pay.com.au's points program, designed for business owners. Accumulated points can be transferred directly to 17 partner airlines and hotel chains, allowing them to be redeemed for Business or First Class flights. The platform also offers custom redemptions including gift cards, products, bill payments and luxury travel. Members access a benefits portal with exclusive discounts and offers for businesses, as well as services such as PayTravel, specialising in flight bookings with points, and PayConcierge, for obtaining event tickets and other arrangements.

The company highlights the ability to earn rewards twice: first with the user's rewards credit card and then with PayRewards.

Integrations and team management

The platform integrates with Xero and MYOB accounting programs to synchronise transactions and facilitate reconciliation. It also allows managing multiple businesses from a single account and assigning roles such as accountants or administrators. Accountants and tax advisors have a specific program (Accountant and Bookkeeper Advisor Program) with access to rewards, support and resources.

Security and compliance

pay.com.au states it processes billions annually and has security measures including PCI DSS compliance, ISO 27001 certification, data tokenisation (without storing card numbers) and automatic fraud detection. The company also publishes a product roadmap and guides on topics such as changes to Meta Ads billing.

Sectors and types of payments covered

The platform organises its solutions by industry and by type of expense. By sector, it mentions construction, health services, fast-moving consumer goods (FMCG), financial services, retail and marketing agencies. By payment type, it covers ATO payments, BAS statements, payroll, suppliers, marketing and advertising, superannuation and rent. In all cases, the goal is for every expense to generate points.

Rating and presence

The company shows a rating of 4.3 on Trustpilot and collects customer testimonials highlighting ease of use, the onboarding service and customer support. Users particularly value the ability to transfer points to airline programs such as Qantas, Virgin and Singapore Airlines. pay.com.au presents itself as an option for Australian businesses looking to simplify their payments and earn benefits on everyday expenses.