The ATO doesn’t accept credit card payments directly for most business tax obligations. So even if you’re sitting on a card with a generous earn rate, those points stay out of reach when it’s time to pay your BAS, PAYG, or income tax instalments.
Some business owners turn to bank transfers or BPAY and leave it at that. It works, but you get nothing back for a payment that’s likely one of the biggest regular outlays your business makes.
B2Bpay is a payment platform built specifically for Australian businesses. It lets you pay suppliers, bills, and government obligations, including ATO liabilities, by credit card, even when the biller doesn’t accept cards directly.
You pay B2Bpay with your credit card. B2Bpay settles the amount with the ATO on your behalf. A processing fee applies, and that fee is transparent upfront, with no surprises when the statement arrives.
The ATO gets paid on time. You keep your cash in the bank a little longer, depending on your card’s interest-free period. And your card earns points as if you’d used it anywhere else.
Here’s where it gets interesting for Amex cardholders.
When you pay through B2Bpay using your American Express card, your card earns points at its standard rate. Amex doesn’t distinguish between a B2Bpay transaction and any other purchase, so your card rewards accumulate as normal.
On top of that, you earn B2B Points as well, that you can convert to the points reward partner of your choice. (Qantas Points, Velocity Points, or Avios)
So you’re earning points from two separate loyalty programmes on a single ATO payment. Your Amex points go into your Membership Rewards account. Your B2B Points land in your B2Bpay account.
For a business with a significant quarterly BAS, or an annual tax bill running into tens of thousands of dollars, that’s a significant points haul compared to a bank transfer that earns nothing at all.
B2Bpay handles a broad range of ATO payment types, including:
If the ATO has issued you a PRN, you can generally pay it through B2Bpay.
Beyond points, there’s a practical cash flow benefit worth mentioning.
If your card offers up to 55 days interest-free on purchases, paying your ATO liability through B2Bpay means you can meet the ATO’s due date while keeping the funds in your business account a little longer. That breathing room can matter when cash timing is tight between quarters.
This isn’t a reason to delay payments or let debt accumulate on your card. If you’re not going to clear the balance in full, the interest will outweigh any points benefit. But for businesses that pay their card in full each month, it’s a sensible way to extend the working capital cycle on a payment you’re going to make regardless.
B2Bpay connects with Xero and QuickBooks, so your ATO payments reconcile cleanly without manual data entry. You get a payment record, and it flows through to your accounts automatically.
Tax bills are one of the few certainties in business, so there’s no reason to let that money move without getting something back for it. Paying the ATO through B2Bpay with an eligible Amex card means you earn your usual Amex Membership Rewards points, plus B2B Points on top, and if you clear your card in full each month, a bit of extra room on cash flow too. It’s a small change to how you pay, but across a year of BAS, PAYG, and tax instalments, it adds up to a real return on money you were spending anyway.
Join B2Bpay for free to pay all your business bills and be rewarded along the way.
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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.
