A Pay Advantage alternative that is free, with more options

'We're so glad we got started with B2Bpay. It is now free for us to accept card payments from our clients via our Quickbooks invoices, and the funds are deposited in our bank account within 3 business days.
Financial Services Firm, Gold Coast

Pay Advantage vs B2Bpay: Which is better for you?


On Charge Fees
$ 0 No cost, ever!
  • Earn Qantas Points
  • No costs, ever!
  • Simple set up
  • Australian based team to support you
  • Set up direct debit payments
  • Process payments over the phone


Absorb Card Processing Fees
1.3-2.2 % With no transaction fees!
  • Earn Qantas Points
  • The most competitive pricing on the market
  • Simple set up
  • Australian based team to support you
  • Set up direct debit payments
  • Process payments over the phone

Pay Advantage

1.87 % + 0.33c transaction fee
  • Higher cost option
  • Cannot on-charge to customer
  • 1-3 business days for set up
  • Australian based team to support you
  • Set up direct debit payments
  • Process payments over the phone

Why business owners are choosing B2Bpay

One of the main reasons Aussie business owners are leaving Pay Advantage for B2Bpay is that if you choose to on charge the card processing fee, it costs nothing to accept card payments! Plus, B2Bpay offers integrations with multiple software platforms including: Xero, MYOB and Quickbooks which saves on both time and admin.

And the cherry on top? Our customers earn Qantas Points for getting paid**. That’s right, as a B2Bpay Merchant you will earn 1 Qantas Point for every $20 paid to you by VISA or Mastercard. It costs nothing to accept card payments with B2Bpay, and you get rewarded! Make the switch today and earn a well deserved holiday in the future!

You earn Qantas Points for getting paid

With B2Bpay, businesses receive Qantas Points for every eligible business payment they receive. It costs nothing for a business to receive payments, but they can sit back knowing that they are getting paid faster (by offering a card payment option) and their Qantas Points balance is growing.

Quick and easy set up

Getting set up to receive payments with B2Bpay is easy. You will need to fill out an activation form, and we will need to verify some business details. We then set up your payment portal and payment page (featuring your logo) and help you get a payment link on your invoices.

There is no messing around with Bank or IT changes.

Lower cost with no transaction fees

If you do choose to absorb the card processing fee, B2Bpay has the most attractive fee structure on the market.

And if you choose to pass on the processing fee, the fact that processing fees are lower and there is no transaction fee on top is great for your customers too.

Ready to get started?

Start accepting card payments online from your business customers. It’s easy, it’s free and you get rewarded**.

What our customers
are saying

"We use B2Bpay so our clients can easily pay us online with any card, which means we get paid faster. Plus, they earn Qantas Points when they pay Accounting fees to us"

Kylie Parker, Director, Lotus Accountants
"Our patients are finding B2Bpay really easy to use. We were not accepting credit cards before and now we are but at no extra cost to us. I am also able to take credit card payments at my reception desk which makes life a lot easier."

John Liu, COO, Human Care Australia Pty. Ltd.
"B2Bpay is exactly what we needed. We wanted to offer card payments both via a direct debit set-up and once off and on-charge the fees. B2Bpay was such a simple set up and our clients love how easy it is to use. Our Xero invoices automatically showed a 'Pay with B2Bay'' option and both myseld and my clients earn . I highly recommend! "

Why become
a B2Bpay

Get paid faster

Save time

No cost to you

Earn Qantas points

Easy to implement

Easily add Credit Card Payments to your Xero, MYOB or QuickBooks Invoices

It’s the no cost solution to easily accept credit card payments online directly from your Xero , MYOB or QuickBooks Invoices

And if you don’t use any of these programs, we can step you through how to add a ‘Payment Link’ to any invoice.

Connect to Xero, MYOB or QuickBooks from your B2Bpay Dashboard

Customer pays your invoice online

You receive funds within 3 business days. Automatically reconciles in Xero, MYOB or QuickBooks.

You earn Qantas Points on eligible payments.


If you are an Australian Business (you need to have an ABN) and want to start receiving card payments through B2Bpay, simply let us know by clicking the ‘Get Started’ button above so we have your details. 

Once we receive this information, we will be in touch to find out more about your business and will email you an activation form and request some verification details. 

Once verified, we will get you set up in our system and build you your own branded payment page. We have guides available to get a ‘pay now’ link or stamp on your invoice. We are also available to assist and step you through this process.

We will also book in a live demo with you to show you all the features you have available including setting up customers for Direct Debit and taking one off payments over the phone.

There really is no catch. With B2Bpay you earn Qantas Point when your customers pay you! You will earn 1 Qantas Point for every $20 paid to you with VISA or Mastercard through your online payment page. 

To receive Qantas Points you must be a Qantas Business Rewards Member. A one-off join fee of $89.50 including GST normally applies, however this will be waived for B2Bpay customers  using this link.

There is no cost for your business for your business to receive payments as your customers pay the processing fees (unless you choose to absorb the fees).  

If you choose to absorb, the only fee is a card processing fee which are as follows: Visa / Mastercard standard cards: 1.3%, Visa / Mastercard premium and corporate cards: 1.65%, American Express: 2.2%, Diners Club cards: 2.4%. 

Of course! Click on the chat icon on this page to chat online with our team. Alternatively give us a call on 1300 205 575 or book in for a live demo. with us by clicking here. 

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.

.**B2Bpay Billers will earn 1 Qantas Point for every $20 of customer payments made by customers using VISA or Mastercard via the Public WebPay payment portal supplied by B2Bpay (an ‘eligible payment’) and featured on the Biller’s invoice or statement template. Excludes failed or refunded payments and may not be available to businesses on enterprise or special pricing plans. Qantas Points will be credited to the Members’ Business Rewards account within 90 days of 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. ^ Members will earn 1 Qantas Point for every $100 paid and up to 3 Qantas Points per $1.50 paid to B2Bpay Bonus Billers. See B2Bpay website for a list of current B2Bpay Bonus Billers.

Enquire below and a member of our team will be in touch promptly.

If you'd prefer to call, dial 1300 205 575

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    B2Bpay is launching very soon and to receive an alert once it does, email us at: [email protected] and we’ll keep you posted.

    Start receiving payments on auto-pilot.

    1. Simply enter your details below.

    2. We will be in touch to get you started receiving card payments through B2Bpay shortly.

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    Start making and receiving payments.

    1. Simply enter your details below.

    2. We will be in touch to get your started making and receiving card payments through B2Bpay shortly.

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    Start accepting card payments directly from your Invoices.

    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.

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