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Amex Pay with Points

Pay any business bill using your Membership Rewards Points - Amercian Express SafeKey

Use your Amex Membership Rewards points when paying business bills.

B2Bpay has partnered with American Express to enable its Card Members to ‘Pay with Points’ when paying bills. 

Use your Membership Rewards points when paying any bill including tax, supplier invoices, super, rent and more. Choose points only, or a combination of points plus payment, using your card. 

20,000 Membership Rewards = $100 worth of bills paid.

Why pay bills with points?

How do you pay with points?

Log in

Log in to B2Bpay and click 'Make One-Off Payment' or click a 'Pay by B2Bpay' link on your supplier's invoice.

Enter payment details

Select (or add) the biller your wish to pay and follow the steps to make the payment

Use your Amex

Select or enter your American Express card details then agree to the terms and press 'Pay Now'

Use Points to pay

The American Express SafeKey popup will give you the option to use points to pay. You can choose to use points only or a combination of points plus payment

All done

Complete your payment

American Express will charge your card for the full transaction amount, and within 72 hours will raise a statement credit for the points portion of your payment.+ 

Your customers can pay you with points too

If you sign up to accept payments through B2Bpay, your customers or clients can now pay your invoices with points too. ‘Pay with Points’ gives your customers a new option to pay you and helps them boost cash flow and pay you on time.

This is available to Australian businesses at no cost and is easy to implement on Xero, MYOB or QuickBooks invoice templates. 

Want to know more?

If you need assistance setting up to use B2Bpay and/or paying with points, give our Sydney based team a call on 1300 205 575

Using Membership Rewards® Pay with Points with SafeKey®

Using Pay with Points with B2Bpay: 
Pay with points with B2Bpay is available when on and when you, the primary card member, pay bills using the one-off payment page on the B2Bpay Customer Portal. Pay with points is also available on all B2Bpay biller’s ‘Pay Now’ payment pages (including integrated Xero, MYOB and QuickBooks pages) that are hosted by B2Bpay (the URL will start with pay.b2bpay.com.au) and on websites using the B2Bpay Payment Plugin. 

Eligibility to‘Use points to pay with SafeKey’: 
You can‘Use points to pay with SafeKey’if You are the Primary Card Member of an Australian issued American Express® Card; Your Card is enrolled in the Membership Rewards programme; and Your Card account is in good standing (i.e. not overdue or in collection). Supplementary Card Members are not eligible toUse points to pay with SafeKey. 
 
+Using ‘Use points to pay with SafeKey’: 
The minimum redemption value is 1,000 Membership Rewards points. The maximum points redemption is the lower of the total transaction value or the total Membership Rewards points. The number of rewards needed for a credit may vary over time. The points required for the credit value will be displayed during the redemption process, prior to submission. 
 
The full transaction amount will be charged and appear on your account and the statement credit for the value selected will appear within 72 hours of the charge (this may not be the full transaction amount). The credit may not appear on the same statement as the full charge. In this case, you must still pay the amount due on your statement, and the credit will apply to charges on your next statement.

 

^ Membership Rewards points are subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms

General 
Returns & refunds. If required, contact B2Bpay for refund eligibility but remember, payments cannot be refunded after funds have been forwarded to your biller. If you do subsequently obtain a refund, the refund amount will apply to your Card account. Membership Rewards points are not reimbursed automatically. In the event of a refund, you may keep the credit, but if you prefer reimbursement of Membership Rewards points, please call American Express on the number on the back of your Card. 
The card terms and conditions continue to apply when youUse points with SafeKey. You must continue to make payments as outlined on your Statement of Account and in your Card Member agreement, even when you ‘Use points to pay with SafeKey. All Membership Rewards points are subject to the Membership Rewards Terms and Conditions availablehere.
American Express may change or suspend the ‘Use points to pay with SafeKey’ feature for any reason and at any time without prior notice, including when a Card account is not in good standing (overdue or in collection). 
For more information, see Pay with Points FAQ’s at: https://www.americanexpress.com/content/dam/amex/au/benefits/use-points-with-safekey/faqs.pdf 


B2Bpay is owned and operated by Zenith Payments Pty Ltd, a leading payment processing business based in Balmain, Sydney. Payment processing and merchant acquiring facilities are provided by Westpac, American Express, Diners Club and other leading financial institutions. More details about  Zenith Payments.

A standard and tax-deductible credit card processing fee (from 1.2% excl. GST) or a bank account processing fee (0.65% excl. GST) applies to all payments and the applicable fee will be displayed when you set up a biller and/or when you make a payment.

*A business must be a Qantas Business Rewards Member to earn Qantas Points for business. A one-off join fee of $89.50 including GST normally applies, however this will be waived for B2Bpay customers  using this link. Membership and Qantas Points are subject to the Qantas Business Rewards Terms and Conditions. Qantas Points for business are offered under the  B2Bpay Customer Terms and Conditions. Members will earn 1 Qantas Point for every $7 paid to the ATO by card, 1 Qantas Point for every $10 paid to all other billers by card, and 1 Qantas Point for every $3 paid to a biller by bank account.

^^Members can also earn up to 3 Qantas Points per $1.50 paid to B2Bpay Bonus Billers. See B2Bpay website for a list of current B2Bpay Bonus Billers. 

Qantas Points will be credited to the Members’ Business Rewards account by the 14th day of the month following the eligible spend. Any claims in relation to Qantas Points under this offer must be made directly to B2Bpay by emailing  [email protected]. Businesses must ensure the ABN registered with Qantas Business Rewards is saved in the B2Bpay customer profile or entered online when paying in order to earn Qantas Points. Qantas Points earned using B2Bpay will be credited to the Members’ Business Rewards account by the 14th day of the month following the eligible spend as outlined in the B2Bpay Customer Terms and Conditions. 

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How this Real Estate company was able to travel to Port Douglas entirely with Qantas Points

City Residential Real Estate was established in May of 2007 without a single property to its name and has since grown to manage 400 properties. City Residential now comfortably occupies the niche of inner-city real estate, thanks to their expertise within the Melbourne CBD market. Despite the scale of its portfolio, City Residential remains a family run business that takes a uniquely personal approach to the real estate business. 

“We treat every client’s property as if they were our own and make an effort to know each and every landlord,” says Glenn Donnelly, Managing Director and Sales Consultant. 

As many small business owners experience, managing back-end business tasks can often be time consuming, overwhelming, and ultimately costly. Specifically in an industry such as real estate, keeping track of incoming payments can quickly become an administrative nightmare. 

“I find using the B2Bpay system is easy by having the ability to navigate through each payee’s history of bills,” explains Donnelly.  

Streamlining workflow is made significantly easier with B2Bpay, as B2Bpay can be connected with a business’ accounting software like Xero, MYOB or QuickBooks to accept card payments directly from the invoices created in the software. This means clients can make payments by simply clicking a button on your invoices, which directs them to a secure payments page that is branded with your business logo.. Businesses love that when a customer pays their bill, this is automatically recorded in their Accounting Software.  

However, one of the greatest advantages according to Donnelly and many other B2Bpay businesses, is the ability to earn Qantas Points on all business payments. This includes both making and receiving business payments. businesses are able to cover travel expenses, and even arrange for travel upgrades thanks to the Qantas Points earned simply from making and receiving their regular business payments. 

“My current Qantas frequent flyer account has never been as high as it has since using B2Bpay, with over 500,000 points to my name.” 

In fact, recently Glenn was able to head to Port Douglas and fund the trip entirely with the points earned from using B2Bpay! 

Get Started with B2Bpay Today 

Start accumulating reward points for simply for collecting and making your business paymentsSetting up a B2Bpay account is easy, and free!  Click HERE to sign up to make payments for free.  

If you are interested in receiving payments and earning Qantas Points, click here to get started. Alternatively, talk directly to our Sydney-based B2Bpay customer support team by contacting us at 1300 205 575.

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EOFY Tips for Small Business 2021

With the end of the financial year fast approaching, here are 5 quick tips to get you prepared for EOFY.

  1. Be aware of tax changes: Many tax changes come into effect at the start of a new financial year. Check ATO and chat to your accountant for the latest news on tax changes.
  2. Check your superannuation is in order by 30 June: Businesses must ensure that they are paying superannuation for their employees and all payments are completed before 1 July. Business owners should be aware of the cash flow implications and make plans accordingly. Check on Superannuation Policy.
  3. Get your paperwork up to date: Having the right paperwork will help you streamline the EOFY process. Some examples of records you need to have on hand are:
    • Receipts for sales and purchases
    • A statement of you B2Bpay credit card processing fees which can likely be claimed as a tax deduction – click here for instructions on how to easily access this.
    • Tax returns, activity statements and employee super contributions
    • GST returns and Business Activity Statements (BAS)
  4. Manage your deductions: It is important to know what you can claim. One of the best tax breaks for many businesses is the instant asset write-off, which offers a means to acquire capital assets and obtain an immediate tax deduction. Examples of ‘assets’ put forward by the government include coffee machines, forklifts, tractors, freezers and labellers. The scheme was due to expire on June 30, 2022, but Treasurer Josh Frydenberg announced in the Federal Budget that it will now continue until June 30, 2023. You can read more about it and how you can use B2Bpay to take advantage here. There is also now no cap on the scheme, which originally has a cap of $150,000 for purchase.
  5. Other COVID-19 relief: Other government initiatives such as JobKeeper Payment may impact your EOFY tax situation. For latest information, refer to General COVID-19 support for businesses and employers

This content was put together for information purposes only. The Content does not constitute tax and/or legal advice and should not be relied upon as such. You should seek tax, legal or other professional advice before acting or relying on any content.

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Cyber Security tips – how to protect yourself and your business

Protecting your business from the dangers of the internet can seem overwhelming and extremely complex. As businesses increasingly rely on technology, stringent measures in cyber security and protection are also necessary. 

Cybercrime does not discriminate. Nor is it uncommon. Every organisation’s computer and online networks are susceptible to hackers, viruses, email phishing, malware and ransomware attacks.  

According to a recent Australian Cyber Security Centre survey, small businesses report a cybercrime incident every 10 minutes. The estimated cost of annual losses from cybercrime is upwards of $300 million.  

Usually, financial damage is only one consequence of cyberattacks. Businesses can also suffer from loss of reputation and diminished goodwill, leading to customer turnover. Rebuilding customer relationships and market share ends up costing more than just time and money.   

Keeping your business data and network safe and secure doesn’t need to be overcomplicated. Below, we list our top 5 cyber security tips on what you can do to stay protected and prevent cybercrime and malicious internet attacks.  

Keep passwords strong and long 

As a business has multiple employees using multiple devices to log into multiple websites or to access different software, it can be quite tempting to choose a generic password. However, strong passwords are a must. Not only to secure to ensure outsiders can’t gain access to your software and websites, but to ensure that critical customer information, like payment details, are kept private. Periodical reminders to change them are also important.   

Stuck on what to use? Make sure your password is:

  • Long. Use at least 14 characters, we find that stringing a series of random words put together works perfectly
  • Memorable but unique. Use an uncommon or unusual phrase or combination of words that only you will remember, and a hacker wouldn’t know. 
  • Complex. Use a mix of uppercase and lowercase letters, as well as special characters and numbers. 
  • Unpredictable. If hackers know personal details such as the name of your pets, they can use this information toguess your password. Don’t use easily obtainable information such as birthdays, current addresses or your spouse’s name and personal information. Avoid natural number or alphabet sequences such as abcd1234 
  • Random. Forget pet names or favourite foods. Create a password that’s unexpected. Need inspiration? Think of a memorable incident from past places you’ve lived or visited or a particularly fun memory from your childhood.  

When it comes to sharing passwords with employees, there’s a few rules to consider: 

  • Limit access. Only give password information to relevant staff who need access to that platform or device.  
  • Use password protection software. A password storage and sharing tool can keep relevant employees updated as passwords change to keep access restricted. It also hinders employees from sharing passwords casually among the team. 
  • Password storage. Do not keep a document that lists all your passwords. Do not send passwords via email as well. If an employee’s email account is compromised, ‘password’ is the first thing that hackers will search for. 
  • Set regulations and guidelines. To keep all company devices safe and protected, let staff know the criteria they need to meet in setting their passwords. Create a guideline sheet with password and cyber security requirements and pass it around the team, ensuring everyone has a copy at their desk. 

Educate and train your team  

Expanding on our last point in setting guidelines for the team, make the time to train staff on the company’s policies and procedures for cyber security. 

Training sessions are a great opportunity to educate employees about the dangerous realities of cyber threat. It’s also essential that staff members are made aware that they all play an important role in keeping your business safe. 

Training sessions should include discussions about: 

  • The importance of maintaining strong passwords 
  • How to identify and prevent cyber threats 
  • The possible kinds of cyber threats that can occur 
  • What to do when a cyber threat occurs 
  • How and to whom they should report a cyber threat 

Remember staff also need to be regularly updated with any company policy or procedural changes. Annual or quarterly training sessions will help keep cyber security as a high priority among your team. 

Have a data back-up strategy  

While the task may seem a daunting, backing up data is highly critical for any business. It can save you from critical data loss, as well as financial ruin.  

Once a strategy for data back up and storage is established, making it a regular procedure is straightforward. Depending on your business requirements, there’s a few considerations: 

  • Back up often. Ideally, you want to back up regularly. This can be daily with incremental back-ups to a portable device or cloud storage. Furthermore, you could look into a server back-ups at the end of each week, month and year.  
  • Keep storage devices off-site. Don’t risk having physical storage devices being damaged or robbed. Think about where you can store your data in a location that is at a safe distance from your office.  
  • Regular checks. Make sure that your data is easily restored. It’s one thing to have it stored away, it’s another if you can’t retrieve it again.  

Keep software up-to-date

Outdated software may not only cause disruption and delays. Without regular updates, your network and devices leave can be exploited. Your business is left vulnerable to potential hackers.  

Updating software regularly and proactively also ensures that potential exploits are dealt with ahead of time and your systems are kept secure.  

Schedule updates after business hours or another convenient time when employees are less likely to be online if downtime on certain software is an issue. Updates will potentially fix security vulnerabilities and flaws. This is also a great time to check if there have been any cyberattack attempts.  

Security solutions for financial data  

When it comes to important financial data like payroll or taking and making payments, there is no room for risk. But where to begin? Here are some important pointers: 

  • Use encryption. Converting data into another form or code, or sending information over the internet, encryption keeps information secure. The codes keep the data confidential as it transfers through networks. Once it reaches its authorised recipient, the code is deciphered or unscrambled. Encryption can be used to add an extra layer of security for internet and computer networks as well as data. 
  • Use MFA (Multi-Factor Authentication). As a verification security process, MFA requires the user to provide two or more proofs of identification for access. For example, a user may require a password and a code sent to their mobile before given access. MFA can be used for highly confidential documents, company online payroll, accounting and payment systems.   
  • Software Security Certification. For businesses that rely heavily on ecommerce or provide online services, securing their website with SSL/TSL certification is critical. Information transferring between your website to the server is usually in plain text, leaving it vulnerable for hackers. SSL/TSL certification provides end-to-end encryption, securing your data. 

B2Bpay: The Secure Payment Solution 

When it comes to paying and taking payments online, it’s important that your system is efficient and saves you from paperwork. More importantly, you need to safeguard your company’s data and financial information. It is wise to ensure you have thehighest cyber security and protection.  

B2Bpay is an online payment portal for businesses to pay all their bills using their existing credit cards, debit cards or bank account. Completely secure and safe, all cards are tokenised meaning B2Bpay never stores card numbers in full.    

As a B2Bpay Biller, you can email invoices securely, and your customers can pay with ease on your secure payment page, resting assured their card details are protected. 

Alongside its security features, B2Bpay offers a range of other benefits for your business: 

  • Earn credit card points AND Qantas points when paying business expenses. 
  • Earn full points when paying ATO, government and utility bills. 
  • Use your credit card’s up to 55-day interest free period, helping boost cash flow. 
  • Save time and integrate your accounting software – XERO, MYOB or QuickBooks. 
  • Easy and secure to use on multiple devices. 
  • Tracking and monitoring transactions from any device at any time. 

The B2Bpay solution is Level 1 PCI DSS (Payment Card Industry Data Security Standards) Certified, meaning you don’t need to worry about credit card compliancy issues. Reaching all Australian business standards and requirements for credit card data security management, your business and customers are well-protected with B2Bpay.  

B2Bpay’s maximum security features give business owners confidence and peace of mind, knowing that whether it’s making or taking payments, nothing gets lost or stolen, and their customer payment information is kept secure 

B2Bpay: Keeping you, your business and customers cyber safe and protected 

When it comes to the security of your business data, there are no compromises. Give your employees and customers confidence that B2Bpay will protect their details with every transaction. 

Sign up for FREE today. If you have questions or need further information, contact our locally based Customer Support team on 1300 625 647 

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How This Tapas Bar Earns Travel Rewards for Paying Its Suppliers

Kipling’s Wine Bar is one of Turramurra’s most popular destinations to taste an extensive variety of vintage wines, and enjoy shared plates ranging from pulled pork croquettes to roasted figs in a relaxed atmosphere. However, this unique location has an interesting history beyond the ordinary tapas bar. The now chic, modern space was in fact once a thriving petrol station on Sydney’s North Shore. Today, its large garage wall serves as an ambient floor-to-ceiling window, where guests can dine comfortably inside the restaurant while seated on leather sofas arranged near an ornate tiled bar or gathered with friends outdoors in the sunny courtyard.  

For managing director Helen Thompson, one of the most challenging aspects of keeping this lively tapas location running has nothing to do with the busy nights of guests dining, but instead comes from managing regular payments to creditors. 

“We created a weekly pay run to pay our creditors and we set this up in B2B as a bulk payment, allowing enough time for payee terms. Previous bulk uploads have been arduous and clunky, but now that we use B2B this process seems pretty seamless as soon as creditors have been verified.” 

In addition to using B2Bpy to set up bulk payments, Helen has also appreciated the ease of connecting B2Bpay with her accounting software, Xero. Now that she’s connected, she can view all her bills she has entered in Xero in B2Bpay and can simply click and pay. Businesses such as Kipling’s Garage bar save time and admin costs with the smooth automatic reconciliation of connectingB2Bpay with their accounting software. 

Helen has also benefited from the ability to earn Qantas Points with every eligible payment the business makes, using preferred suppliers to maximise points earning. (If a supplier is registered as a Bonus Biller with B2Bpay, you can earn up to 3 Qantas Points per $1.50 on payments.) And because Kiplings Garage Bar is known for its wide selection of wines from across the world, including Australia, Europe and Latin America, travel is an important part of the business to gain inspiration. Helen has used the rewards points the business earns to pay for both business travel and staff incentives. 

“In the future, we would like to continue in this vein once things get back to ‘normal’ and we can move about the country more freely,” Helen explains. 

Get Started Today 

Getting a B2Bpay account set up is easy, and free! Click HERE to sign up and start earning Qantas Points for making business payments. Alternatively, talk directly to our Sydney-based B2Bpay customer support team by contacting us at 1300 205 575.