Category Archives: News

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New Direct Debit Function launched for B2Bpay Billers

Did you know that you can set up direct debit payments for your business customers?

We have recently added a really handy function for B2Bpay Billers (to get set up as a B2Bpay Biller click here).  B2Bpay Billers can request that their customers or clients fill out an online form to authorise  them to  direct debit their Credit Card or bank account. Once a business has authorised this,  B2Bpay Billers can log in to their B2Bpay Merchant Portal  and set up regular automatic payments, and take one-off payments too.


Remove payment pains with Direct Debit

  • No more late payments. Never chase a payment again. Direct Debit allows you to collect funds automatically on payment dates.
  • Not just for fixed amounts. Once a Direct Debit is in place, you can use it to collect one-off or recurring payments of any amount.
  • Control your cash flow. You choose the dates you collect funds, meaning you’ll be able to predict future revenue for your business.

Benefits of Direct Debit for your customers

  • Quick, one-time set up. Customers complete a simple online Direct Debit form, giving you authorisation to collect payments from them.
  • Flexible payments. Choose payment schedules that work for each of your customers or clients.
  • Safety and security guaranteed. Your customer’s bank details are never stored by you and are completely secure.

Here’s how to get started:

  • Sign up to become a B2Bpay Biller. You can do that by clicking here and clicking the “Get Started Button”
  • Once you have been set up as a B2Bpay Biller, send your customers your online Payment Set Up Form, which looks like this.
  • Once a customer has filled in the online form, you will get an email notification saying they have authorised you to collect funds.
  • Log in to B2Bpay and process or schedule payments. We’ve put together some handy videos on how to do that:

How to Direct Debit a one-off payment from your customers bank account or credit card


How to set up a regular ongoing payment schedule


Need Help?

Our Sydney based team are here to help. Give us a call on 1300 205 575 or email us biller@b2bpay.com.au.

 

 

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Earn Double Points with American Express

If you have an American Express Platinum or Centurion Card, using B2Bpay has never been more rewarding with DOUBLE the POINTS!*

For the next three months (until the 20th of July) use your American Express card with B2Bpay to:
• Earn double Membership Reward points when you pay ANY Biller (including the ATO);
• Get double the value when you ‘Pay with Points’

With 4.5 or 5 points for every dollar you pay and no reduced points when paying government bills with B2Bpay, there has never been a better time to use your American Express Platinum or Centurion Card to pay all of your business expenses.

Why is it better to pay via B2Bpay than direct to Billers?

  1. B2Bpay allows you to pay ALL Business expenses, regardless of whether they accept Amex or not. This is because we pay the Biller via EFT or BPAY.
  2. When you pay the ATO and other Government bills via B2Bpay you will earn 4.5 or 5 points per dollar. If you paid these directly you would only earn 2.25 or 2.5 points per dollar.

Save up and fly later

With no expiry and no cap on Membership Rewards Points, use this amazing offer to turbo boost your points balance. Your points will be waiting and ready for you to turn into business or first-class travel in the future.

Or use points to pay

If your cash flow needs a boost, you can earn double the points AND double the value by using Select + Pay to pay or part-pay transactions on your card statement, You will receive an amazing 4.5% ‘cash-back’ value until July 20th 2020! At a cost of 2.2% (1.54% after tax deduction) to pay with B2Bpay, this is unbelievable value!

“Using Amex is CHEAPER than using cash”
Steve Hui ‘The Points Whisperer’, CEO iFLYflat

Join B2Bpay today

Click on the button below to sign up to B2Bpay to receive all the benefits of paying business expenses by card using B2Bpay – including improved cash flow, bonus Qantas Points,  ease of use and saving time by paying all your bills in the one place.

 

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A Business Owner’s Guide to Credit Cards

No matter how well-established your business is, readily available and unsecured capital is integral to its success and longevity. Even with a positive cashflow, why not look at other means to quickly access funds? With 2 out of 3 business owners using credit cards, here’s a business owner’s guide to credit cards and how they can be the ideal financial buffer.

 When to go cashless

With so many different types of cards on the market, choosing the most suitable credit card can be a real headache for business owners. This is especially true in the early stages of starting a business. However, as your business grows, so will your expenses – which may mean leaning on a credit card from time to time, or using a credit card to take advantage of lucrative rewards schemes.

When it’s time to start thinking about using a credit card for business expenses, firstly look at the current stage of your business and purchasing patterns.

Here are some questions you may want to consider:

  • What are your monthly business expenses? (Rent, office supplies, utilities)
  • Do you need to set aside a budget for significant investments or costs? (Office equipment and technology, marketing and advertising, tax bills, insurance)
  • Do you or your employees frequently travel for business purposes?
  • Are employees often required to make business purchases?

Advantages of using a Credit Card

Credit cards not only offer short term access to funds, they also offer long term benefits for your business. These benefits can include:

  • Ability to manage monthly variable costs, improving and controlling cash flow.
  • Boost credit rating and purchasing power.
  • Credit can be unsecured (secured without a deposit)
  • Ability to separate personal and business expenses – making it easier to distinguish what is tax deductible.
  • Easier bookkeeping – especially when it comes to tax time!
  • Gain credit card rewards – Using a credit card to pay business expenses can offer rewards and loyalty points programs that are not only incentivize but help your business grow.

Use B2Bpay and maximize Credit Card rewards

Whilst credit cards may offer credit reward points on business expenses, there are still billers who will not accept credit card payments.

B2Bpay is a centralised online portal that allows you to pay business expenses – including one-off, scheduled and future dated payments – with your existing credit card. Regardless of whether the biller actually accepts credit cards, through B2Bpay billers receive payment by EFT or BPAY. Billers receive payment within 3 days and there is no extra cost to them.

With B2Bpay, you can earn Qantas points as well as credit card reward points on all business expenses. Even when paying tax, government, insurance, telcos and insurance bills through B2Bpay, business owners will earn full card points.

Beyond the simplicity and reliability using B2Bpay, the unique advantage for business owners is profitability through payments.

The Deloitte ‘SME Digital Payments – New opportunities to optimise’ White Paper 2018 featured B2Bpay as a case study, stating that “by utilising the B2Bpay platform, SMEs could attract significant value, potentially at a level of approximately 7% of expense paid”

Furthermore, the White Paper confirmed that alongside efficient and accurate cash flow management, B2Bpay’s features are:

  • Improved visibility and reporting
  • Automatic bill reminder alerts
  • Alerts through SMS and email (for successful and failed payments)
  • Low cost processing fee (which is also tax deductible)
  • Secure payment mechanism through tokenisation (and no storage of card numbers)
  • Reporting capabilities and centralised expense management

While credit cards can guarantee working capital for your business, B2Bpay can ensure your business payments count in profitability., making you miles ahead of your competitors.

To set up a B2Bpay account, click here.

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GST and Commercial Property Guide

Issues regarding GST and commercial property in Australia can often be confusing. However, through diligent research, working out the process of GST claims can reap substantial returns for your business during tax time.

Renting commercial property as a tenant

Renting commercial space can be a feasible option for a start-up or new business as it allows flexibility for change and growth. As initial costs in purchasing commercial property are high, being a tenant allows funds to be better utilised in other business areas such as recruitment or equipment upgrades.

One of the biggest advantages is that rent is tax deductible.

Do tenants pay GST on rent?

Tenants may be required to pay GST on their rent.  As business owners can claim rent as a tax deduction, a tenant renting commercial property can submit claims for most business and office related expenses. In addition, the GST component of rent costs can be claimed as a GST credit (also known as an input tax credit).

GST on commercial rental bond

As part of a lease agreement, tenants may be required to also pay a bond. A bond is a form of financial security for the lease. It is usually paid at the start of the lease and returned when vacating a commercial premises.

A tenant does not pay GST on a commercial rental bond unless the amount is forfeited or part is withheld for damage to the premises or goods.

SECTION 1: Owning a commercial property

Diving into the world of commercial property can be a lucrative and exciting business decision.

Whether you’re a commercial landlord or looking to sell or buy commercial property, it’s prudent to take a close look at the GST implications around your specific business circumstances.

Registering for GST

 The Australian Tax Office (ATO) requires businesses and enterprises to register for GST if the GST turnover (gross income minus GST) is $75,000 or more.

When it comes to commercial property, the GST turnover is considered to be the rental income.

Most commercial property transactions fall under the ATO’s definition of “carrying on an enterprise”

The Australian Government states, “An enterprise includes activities done in the form of a business”, such activities include renting or leasing property.

As such, investors of commercial property are placed under the same taxation rules as other businesses.

You are required to register for GST, if you’re leasing out commercial property that has a GST turnover of over $75,000.

You may be able to remain unregistered if the total rental income of your commercial real estate investment is under the $75,000 per annum threshold.

How to register for GST

 Before registering for the GST, an Australian business number (ABN) is required. This process can be done online through the Australian Business Register website.

Once you have an ABN, you can register for the GST online through the ATO Business Portal. Your registered tax agent or BAS agent can also help with the process.

  1. Selling a commercial property – paying GST

If you are in the position of selling commercial property and registered for GST, take into consideration the additional GST value to your selling price.

Vendors are usually liable to pay 10% to the ATO after the sales transaction. By adding GST in the price of your property, you are able to pass this amount onto the ATO without losing value to the initial sales price offered to your buyer.

  1. Buying a commercial property – paying GST

There’s some good news for those looking to purchase commercial real estate – you are eligible to claim a GST credit that was included in the purchase price.

There are, however, certain conditions that must be met in the process for claiming back GST on your recently bought property.

These include:

–       Both seller and buyer are GST registered

–       The purchased property is legally defined as “carrying on an enterprise”

–       The seller issues a tax invoice for the purchased property

–       The seller has not applied the margin scheme to work out the GST included in the price of the property

–       The property was not purchased as a GST-free supply

Commercial property sales transactions usually deal with significantly large figures and therefore the GST claim will also be substantial.

Buyers should be prepared for a possibly long process in receiving GST credit.  The ATO will often pay extra attention when investigating and verifying larger claims. Therefore, the GST credit may not necessarily be received within the tax quarter that the GST claim was submitted.

  1. Leasing a commercial property and GST

As mentioned earlier, those who own and lease commercial property are required by the ATO to register for GST if rental income is over the $75,000 per annum threshold.

Under ATO’s regulations, property that is already tenanted or partially tenanted can be sold as “supply of going concern” in which case, the buyer may be exempted from GST.

Again, certain conditions and requirements may apply, including:

–       The buyer is registered (or required to be registered) for GST

–       Payment has been made for the supply

–       The buyer and vendor have written agreement that the sale is of a going concern

–       The supplier supplies all things necessary for the continued operation of the business

–       The supplier carries on the business until the day of supply

The GST issues involved in commercial property can be wide and varied, even complicated.

Whether you’re a tenant of commercial space or investing in commercial property as a landlord or vendor, due diligence is key.

Disclaimer:

Any information provided in this article is provided as general information and to be used as general information purposes only.

For specific details and advice regarding GST and commercial property, please contact the ATO or consult your registered tax professional.

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Christmas Survival Guide for Business Owners

Eat, drink and be merry. If only Christmas were that simple.

When you run a business, Christmas can be a stressful time of the year. You may need to juggle sluggish cash flow, staff going on holidays and, like everyone else, a multitude of personal commitments.

So what can you do to get through the Christmas period without turning into the Grinch?

Up the exercise

We all know exercise is great for reducing stress. But don’t wait until the New Year to up the ante at the gym or dust off the bike helmet. Use the Christmas holiday period as a chance to do more of something you enjoy.

Not only will this help you relax and take your mind off work, it will counter some of the excess indulgence that tends to happen this time of year – helping you feel healthier, happier and more energised for 2020.

Boost cash flow 

If the holiday period is stressful because there’s less revenue coming in, do what you can to boost your cash flow until you’re likely to be busy again.

Are there any outstanding debts you can call to be paid before Christmas? Do you any have insurances or membership fees you could pay by the month instead of annually? Could you use your credit card more than you currently do for large business expenses – like your ATO Tax Bills?

Using a third party payment system like B2Bpay  can help you keep cash in your account longer. You also get the added benefit of earning credit card reward points, which could help you pay for next year’s Christmas holiday!

Take a (proper) break

Business owners are notoriously bad at switching off from work. It’s one of the reasons your customers love you, but it’s also a common cause of stress because you rarely take a real break.

The Christmas period is a good chance to take a time out when most of your customers are doing the same.

If you can’t shut down completely, why not entrust one of your staff to take the reins for a week or two? Who knows, you may even find that leaving someone else in charge works out fine – which will make you more comfortable to do it again.

Put family first

If you spend the year having to say no to family functions and other social engagements because of work commitments, use the holiday period as a chance to make up for lost time.

By prioritising your family and encouraging your employees to do the same, it helps build a healthy work-life balance that everyone in your workplace will appreciate – which in turn will help you attract and retain valued people.

Be Santa

It always feels good to do something nice for someone else. So why not treat your staff or customers to a surprise gift or get together? It can be a great way to build relationships and shows your appreciation for the people who are important to your business.   

If you’re not sure what an appropriate gift might be, consider a prepaid credit card  that lets your recipient buy whatever they want. You can even personalise the card with your own brand so they think of you (in a good way!) when they open their wallet.

What will you do?

Whatever strategy sounds right for you, now is the time to do something that might help de-stress over the Christmas period. Get it right and it could be a gift that keeps on giving for many years to come!

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Innovative Ways to Manage Cashflow

If cash is king for any small business, a positive cash flow is the backbone to survival and success. Being nimble is a major advantage for small business. However, this can also result in fast turnover and sudden short falls. Keeping on top of financial incomings and outgoings can be a daily challenge. Here are some innovative ways to manage your cash flow:

Constantly Forecast and Monitor Your Cash Flow

 Although, forecasting for projected earnings and losses can be as fun as watching paint dry, it is absolutely crucial. A forecast allows you to make informed decisions on which business areas have potential revenue growth as well as where to cut costs.

The fast-paced dynamics of a small businesses can make monitoring cash flow a fickle task. Yet, it’s the constant changes that require a close and frequent analysis of your business income and expenditure. Smart small business owners will even track their cash flow on a weekly basis.

B2Bpay is a secure online portal where you can check on all your payments one-off, automatic and future dated. Become a B2Bpay Biller and track your accounts receivable at anytime from anywhere.

Collect receivables immediately

 Generating revenue can be an unpredictable game. However, keeping on top of invoicing and payment receivables will help maintain a positive cash flow. Here are some suggestions to streamline and efficiently collect money owing to your business:

  • Issue and send invoice efficiently and follow up overdue payments
  • Offer a convenient and secure online payment option on your invoice
  • Offer discounts or incentives to encourage customers to pay early
  • Secure a customer’s booking by requesting partial payment
  • Make deposit payments mandatory when taking a customer’s order

 Extend your payables

The key to a successful business is to keep cash coming in as quick as possible while holding back on expenses for as long as possible. Easier said than done? Here are some useful tips:

  • Work closely and build strong, trusting relationships with suppliers who can offer flexible payment terms.
  • Negotiate and maximise payment terms. If a payment is due in 30 days, see if you can extend it to 45 and don’t pay any earlier.
  • Electronic funds transfer allows you to make payments on the last day they are due. This will help you retain funds for as long as possible without facing the stress of late fees.
  • Streamline your accounts payable process and make payments digitally.
  • Don’t leave it to the last minute to request an extension on payment. Look ahead at upcoming bills. Make a conservative decision whether you can make payment or not. If not, contact your supplier immediately and explain the situation.

B2Bpay Benefits

B2Bpay allows you to pay all your invoices using existing credit cards, whether or not your biller accepts credit cards. B2Bpay accepts all major credit cards.

Pay your invoices through B2Bpay and you will:

  • Boost cash flow by taking advantage of your credit card’s up to 55 day’s interest free period
  • Earn Qantas Points
  • Earn credit card reward points
  • Earn full credit card points when paying ATO, insurance and telco bills
  • Eliminate mundane admin and accounting tasks so you can go back to doing what you do best – building a business

According to a recent Wakefield Research study, within the 500 Australian small businesses that were surveyed, 50 percent have lost $10,000 or more by foregoing a project or sale specifically due to insufficient cash flow issues. Having a positive cash flow not only lets you sleep well at night but allows you to financially expand your business.

Whether you’re looking to tighten expenses or need efficient payment methods, B2Bpay allows you to streamline the constant movement of your business funds. Think of all the additional revenue and extra business opportunities that come along with it.

To register, click HERE. Setting up is easy and at no cost!

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Single Touch Payroll

What is Single Touch Payroll?

If you’re a small business with 19 or less employees, you are now required to use Single Touch Payroll (STP) reporting.

This rule came into effect on 1 October 2019 , but many small businesses (up to 70% in fact) are yet to adopt it – despite the fact it’s cheap and easy to get started.

What does it mean for small to medium businesses?

STP reporting allows you to report your employees’ payroll information – including salaries, PAYG withholding and super – to the ATO at the same time as you complete your pay run.

This simplifies your bookkeeping requirements as it removes a step from the reporting process. It also improves the timeliness and accuracy of information you send to the ATO.

How do you get started?

To start using STP reporting you need to be signed up to STP-ready software.

If you currently use accounting software such as Xero, Reckon or MYOB you should be ready to start using STP straight away.

Are there free or low cost options?

There’s a wide range of STP-ready software products available – including a number of options that are either free or cost less than $10 per month.

The ATO website features an extensive list of no-cost or low-cost STP solutions.

If haven’t already started using STP reporting, speak with your accountant or bookkeeper and work together to ensure your business is compliant.

B2B Pay and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.

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Is it better to rent or buy your business premises?

Setting up a business involves a lot of decision-making. While most people focus on customers, products and pricing, one key decision you need to make is whether you choose to buy or rent your business premises.

There are pros and cons of either approach. But here are some of the key questions you need to ask yourself before you sign on any dotted lines.

What can I afford?

Just like buying a home, buying a commercial property requires a lot of cash. In fact, you generally need to put down a bigger deposit to buy a commercial property – often around 25-50% of the property’s value (plus stamp duty and often GST).

This could turn out to be a great investment if the market works for you. It could also work against you if the market drops and you need to sell to access that money. You also need to factor in the ongoing costs of building maintenance, council rates and other levies that you wouldn’t need to pay if you weren’t the property owner.

Renting is obviously much less of an upfront financial commitment – which can free up more cash to spend on your business. But the downside is you’re helping someone else pay off their mortgage. Likewise, if you invest in renovating your premises, you’re adding value for someone else.

How much space am I going to need (now and later)?

You need to think about the future growth of your business. Being the owner of your premises gives you more flexibility to reconfigure your existing premises (without having to ask your landlord for permission – more on that later). But it also means you’re ‘locked in’ to one site that may not suit you forever.

If you change your business model, shift your focus interstate or simply need a bigger premises, it’s much faster and less costly to make a move when you’re renting.

Am I OK with having a landlord?

One big downside of renting is you don’t have the freedom to make all of your own decisions. You generally have to ask your landlord for permission if you want to make changes to the floorplan, put in a skylight or even paint – which could hold you back from creating the workspace you really want.

Also, if your landlord decides to end your lease or sell the property, you may be forced to vacate the premises and find somewhere else at short notice. Or they may increase your rent each year to the point you can no longer afford to stay.

When you buy, you’re more in control of your own destiny.

Do I want to earn rewards points?

Many business owners are rapid accumulators of rewards points because of the ability to pay business bills on credit card.

While you can’t generally earn rewards points on mortgage repayments, you can use a third-party payment service like B2Bpay to pay your rent – and earn full credit card points (including Amex).

If you paid $240,000 per year in rent and other business expenses using B2Bpay, you could earn:

  • 240,000 Qantas Points (or credit card points) every year, plus
  • 2,400 Qantas Points for your business every year (or even more by paying B2Bpay Bonus Billers).

That’s enough points for 2 x return Business class flights from Sydney or Melbourne to London every year, including approximately $1,517 in taxes, fees and carrier charges.

If you’re renting and looking to boost your rewards points, join B2Bpay free below or click here to find out more.

So what’s the verdict – rent or buy?

Every business owner has their own pros and cons to weigh up, and a hairdresser will have very different requirements to a motor mechanic. The important thing is to do your homework so you can make a decision with confidence, then get on with running your business.

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Aussie businesses can now earn Qantas Points for getting paid!

  • To mark a successful first year B2Bpay, in partnership with Qantas Business Rewards, has announced an exciting enhancement to reward Australian businesses even more
  • B2Bpay is now rewarding businesses with Qantas Points when they get paid as well!

Backed by Qantas Business Rewards, online payment platform B2Bpay is revolutionising how SME’s do business and to celebrate the 1-year anniversary since its launch an exciting enhancement has been announced to deliver even more rewards for Australian businesses.

The popular online payment tool announced in April that it will be expanding its reward offering to now also offer additional Qantas Points to businesses when they get paid by customers.

“B2Bpay has had such a successful first 12 months and we are thrilled to be celebrating through introducing a major enhancement to the platform that delivers even more value to Australian business owners and their customers,” says General Manager Kevin Butler.

“We have learnt that many of the SMEs we’ve helped with simpler more rewarding ways to pay their bills also need support with how their customers pay them. Business owners often struggle to know where to start when accepting card payments. B2Bpay offers an easy solution that also boosts lucrative Qantas points balances not only for your business but for your customers as well,” adds Kevin Butler.

Businesses receiving payments on B2Bpay will now earn 1 Qantas Point for every $20 paid to them by Visa or Mastercard and their customer also earns 1 Qantas Point per $100 in addition to the points provided by their credit card.

“The Qantas Business Rewards program makes it easy for business owners to earn Qantas Points on their everyday business expenses and it’s been wonderful to see so many businesses taking advantage of the B2Bpay platform over the past 12 months. In recognition of the first anniversary of B2Bpay’s launch we are very pleased to be expanding rewards to businesses when they get paid,” said Eric Jelinek, Head of Qantas Business Rewards.

Is it easy to get set up?

With B2Bpay, it’s super easy to get set up. Simply fill in our Online Enquiry Form to get started, and we can get you set up within a day with your own branded payment portal. Then your customers can start paying you online, 24/7. What’s more, it’s completely free to get set up. The only cost is the card processing fee, which you can choose pass on to your customers.

So how does it work?


Step 1 – Invoice your business customers
Simply place the B2Bpay ‘pay now’ payment details on your invoice

Step 2 – Customers pay you
Customers click (or enter URL) to pay by credit card on your dedicated payment page

Step 3 – Funds are sent to you
Funds are transferred within 3 business days to your bank account with reference details

For more information on becoming a B2Bpay biller click here.

For more information on the Qantas Business Rewards program visit Qantas Business Rewards.

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How to Pay BPAY with a Credit Card and Earn Points

What is BPAY?

BPAY is an electronic bill payment system in Australia. BPAY allows you to make payments via internet or telephone banking to organisations who are registered BPAY billers.

Can I use BPAY using my credit card?

Yes you can, but you should check if you are being charged as a purchase or a cash advance. Some banks may allow you to use BPAY with your credit card if the biller does not accept credit card payments. But the transaction will be treated as a cash advance and you will be charged a cash advance fee.

One way to get around this is for your business, is to use B2Bpay to pay your BPAY invoices.  We already have over 30,000 suppliers with a BPAY Biller code set up in our sytem. And if you can’t find your Biller or Supplier on this list, simply select ‘Add new biller’ and enter their details.

How does B2Bpay work?

B2Bpay forwards your payment to your biller by BPAY – the same way as if you paid them direct. By using B2Bpay your credit card issuer will identify the payment as a ‘general’ payment meaning that you will earn full credit card points on that transaction, plus it won’t be treated as a cash advance.

Is BPAY or bank transfer faster?

If you are using B2Bpay to make a BPAY payment, you will need to allow 3 business days for the payment to be made. If you are paying a supplier directly via EFT, the funds will usually land in their account instantly or within 1 business day.

How can I earn rewards with BPAY using my credit card?

By using B2Bpay to make a BPAY payment, the payment will be classified as ‘General Spend’ and you will earn your FULL Credit Card reward points on the payment. What’s more, you’ll earn additional Qantas Points (1 point per $100 paid) on top of this (via your Qantas Business Rewards Account).

How to make a BPAY payment using B2Bpay?

It’s really simple. Register for B2Bpay, which you can do straight away (and it’s free). And then you follow the following steps:

  1. 1. Find the BPAY logo on your email or paper bill which will show your Biller code.
  2. 2. Log in to B2Bpay
  3. 3. Select Add a new Biller
  4. 4. Enter the BPAY Biller Code
  5. 5. Make the payment by filling in your reference details and amount.
  6. 6. That’s it! Your bill payment is complete.

To find out more about B2Bpay and sign up – visit our homepage.