How to earn points on supplier payments in Australia (and when it isn't worth it)

How do supplier payment platforms work?

1. You add the supplier's bank details or BPAY biller code to the platform.
2. You pay the platform with your credit card.
3. The platform pays the supplier by transfer.
4. Your card earns points on the payment, as your bank's terms allow.

You also get the card's interest-free period. pay.com.au's partnership page mentions "up to 55 days interest-free", though that depends on your card.

Point Hacks names several such services: pay.com.au, RewardPay, B2BPay, YakPay and Sniip. We have checked current published pricing for two of them.

What do the platforms charge? (checked 22 October 2026)

When does the fee pay for itself?

Every payment is a trade: fee out, points in. A simple way to test it:

Points value per dollar x earn rate > fee percentage

If your card earns 1 point per $1 and you value a point at 1 cent, you get about 1% back. Paying 1.20% to get 1% is a loss. If you redeem for flights and value points closer to 2 cents, the same payment comes out ahead.

Point Hacks' worked ATO example uses about 1.9 cents a point for a card earning 1 point per $1. That is a reasonable figure for someone who redeems for flights, and a generous one for someone who redeems for gift cards. Use your own number.

When is it worth it?

• You pay large, regular supplier bills and would otherwise use a transfer that earns nothing.
• You clear your card in full every month.
• You redeem for things you value, usually flights.
• Your card earns a decent base rate and does not cap or reduce points on these payments. Check the terms.

When isn't it worth it?

• You carry a card balance. Interest is far higher than any points return.
• Your supplier already accepts your card at no extra cost. Pay them directly.
• Your points sit unused or expire.
• Your card issuer treats platform payments differently. Some issuers change earn rates on certain transaction types, so check before you commit a big bill.

Which business travel programs can I earn with?

Points do not have to go to a personal account. Qantas Business Rewards (one-off $89.50 joining fee) and Virgin Australia Business Flyer (free to join) let a business collect points from partners. pay.com.au lists a rate of 2 PayRewards Points to 1 Qantas Point or 1 Velocity Point through these programs. We compare them in Qantas Business Rewards vs Virgin Australia Business Flyer.

Can I earn points on money coming in?

If you sell to the public or to trade customers, your card sales are the other half of the picture. FairPayments (Nuvei Preferred Partner) lets eligible merchants earn Velocity Points at 1 point per $25 in card sales, with 0.95% on Visa and Mastercard and a flat 25c per eftpos transaction. The full list is on our published rates page. It is available to auto, wholesale food and trade supply businesses; others can call 1800 930 164 to ask.

Should I pay suppliers by card?

Supplier payment platforms are useful if you clear your card and value your points above the fee. Check the fee on each platform's own page, test the break-even with your own redemption value, and stop if the sum doesn't work.