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Many Australian businesses pay their bills through BPAY. But what many people don’t realise is that most BPAY payments cannot be made directly using a credit card without being treated as a cash advance.
This means you may be charged additional fees and miss out on earning valuable credit card reward points.
The good news is there’s a smarter way to pay your BPAY bills. By using a business payment platform like B2Bpay, you can pay BPAY invoices using your credit card while still earning full credit card reward points.
In this guide, we’ll explain how BPAY works, why paying BPAY with a credit card can be tricky, and how businesses can turn everyday bill payments into reward points.
BPAY is one of Australia’s most widely used bill payment systems. It allows individuals and businesses to pay bills through their bank’s internet or mobile banking using a BPAY Biller Code and Customer Reference Number.
Many organisations use BPAY to collect payments, including:
Government agencies
Utilities providers
Insurance companies
Telecommunications providers
Financial services
Business suppliers
BPAY payments are typically made using a bank account via internet banking, but some people try to pay BPAY bills with a credit card to earn reward points.
In some cases, yes, but there’s an important catch.
If you attempt to pay BPAY with your credit card through your bank, the payment is often treated as a cash advance rather than a normal purchase.
When a transaction is classified as a cash advance, it can result in:
Immediate interest charges
Cash advance fees
No reward points earned
Because of this, many businesses cannot earn credit card points when paying BPAY directly through their bank.
A simple solution is to use a bill payment platform like B2Bpay.
Instead of paying the BPAY bill directly through your bank, B2Bpay allows you to pay the bill using your credit card, while B2Bpay forwards the payment to the biller using BPAY on your behalf.
The transaction is then treated as a standard purchase, meaning you can earn the full reward points available on your credit card.
This means your business can use its existing credit card to pay bills that normally would not accept card payments.
1. Earn Credit Card Reward Points
When BPAY payments are processed through a platform like B2Bpay, they are classified as normal spending rather than a cash advance. This allows you to earn full credit card reward points on your payments.
Some businesses also earn additional partner rewards such as airline points when using participating programs.
2. Pay Suppliers That Don’t Accept Credit Cards
Many suppliers and billers do not accept credit cards directly. With B2Bpay, you can still pay them using your card while the supplier receives payment via BPAY or bank transfer.
This allows businesses to maximise reward points on everyday expenses.
3. Improve Business Cash Flow
Paying business bills with a credit card allows you to take advantage of your card’s interest-free period, which can be up to 55 days depending on your card provider.
This means you can hold onto your business cash longer while still paying bills on time.
4. Centralise Business Payments
Using a payment platform also helps simplify accounts payable. Many platforms integrate with accounting software so you can:
This helps save time and reduce manual admin for finance teams.
Many everyday business expenses, including tax, utilities, insurance and supplier invoices, normally earn little or no credit card points when paid directly.
By paying these bills through a business payment platform, companies can:
Earn credit card rewards on everyday expenses
Improve cash flow flexibility
Consolidate business payments in one platform
Over time, these payments can generate significant value in reward points from bills your business already needs to pay.
If your business regularly pays BPAY bills, switching to a payment platform like B2Bpay can help you unlock additional value from your everyday expenses.
Instead of missing out on rewards, you can turn business payments into points while keeping your cash flow flexible.
Enter YOUR DETAILS
And our team will be in touch to get you started!
Enter YOUR DETAILS
And our team will be in touch to get you started!
Let’s get you started below..
1. Simply enter your details below.
2. We will be in touch to get you started receiving card payments through B2Bpay shortly.
1. Simply enter your details below.
2. We will be in touch to get your started making and receiving card payments through B2Bpay shortly.
It’s simple.
1. Fill in the form below & we will get back to you requesting some more details and your logo
2. We will then set up your account and payment page.
3. Finally we will help you get a ‘pay now’ link on your invoices that will direct to your payment page.