Business payment rewards platforms compared

A business that pays $100,000 a year in tax, rent and supplier bills can earn anywhere from about 100,000 to over 200,000 points on them, depending on the platform it uses. The difference comes down to fees, bonus points and which programs you want.

Here's how the main Australian platforms compare.

How these platforms work

You pay a bill through the platform with your business credit card. The platform pays the biller by bank transfer or BPAY, and you earn your card's points. Some platforms add their own bonus points. You pay a fee, usually a percentage of each payment. How business payment rewards platforms work explains the model in depth.

The ATO accepts credit cards until 30 June 2027, but most cards earn few or no points on payments made directly to it. Paying through a platform earns your card's full rate. How to earn points paying the ATO has the details.

Fees and points at a glance

Fees exclude GST. Correct as of mid-2026; check each platform before you pay.

The others worth knowing

Marmalade. Marmalade helps businesses collect invoice payments and pay bills. It pays 1 M-Coin per dollar of bills, at a 1% fee or free when the business you pay offers it, and 2 M-Coin convert to 1 Qantas Business Rewards or Velocity Business Flyer point. It ran large Business Flyer bonuses in mid-2026. Marmalade Payments: how to get started covers it in detail.

Lessn. Lessn is built for larger businesses, automating accounts payable so suppliers can be paid by card and the business can claim rewards. It passed $100 million in turnover in March 2026.

Worked example: pay.com.au

This values Qantas Points at 3.5 cents each, a typical value for a business class Classic reward, and assumes the payment earns the card's everyday rate.

Business: a $10,000 supplier bill through pay.com.au on an American Express Qantas Business Rewards card (Free plan, PayRewards Core package)

Fees exclude GST, which a GST-registered business can claim back. After tax assumes a 25% company tax rate. Without PayRewards, the same bill nets $280.00, so the bonus points add $100. If you only get 1.6 cents a point, Point Hacks' average valuation, the net profit falls to $47.50.

How to choose

1. Pick your program first. RewardPay and Payment Logic both pay bonus Qantas or Velocity points, and RewardPay also pays ALL Accor and Luxury Escapes Société points. For the most airline choice, pay.com.au's PayRewards transfers to the most partners.
2. Match the fee to your card. Amex fees are higher everywhere. Make sure your card's earn rate covers it.
3. Run the break-even test. Fee % divided by points per dollar is the value each point must reach. At 1.25% and 1 point per dollar, each point must be worth 1.25 cents.
4. Consider volume. Subscription plans only pay off at high monthly spend.
5. Check the fees are deductible with your accountant.

Why platforms can afford bonus points

Business cards still carry interchange of up to 0.8%, far more than consumer cards. That leaves room in the platform's fee to buy airline points and pass them on. An accelerator is effectively a way to buy more points with a higher fee, so value them like bought points.

What I'd do

1. Estimate your yearly bills that could go on a card.
2. Shortlist two platforms that support your program.
3. Run the break-even maths for your card.
4. Set up before your next big tax or supplier bill.