How B2Bpay helps you pay any bill, earn more points, and stay flexible with cash flow.
B2Bpay lets Australian businesses pay suppliers and bills by credit card, even if the supplier doesn’t accept cards. That’s the core of it. You use a card you already have, pay who you need to pay, and earn reward points on spend that most businesses never thought to earn points on.
For small business owners and sole traders, that combination is genuinely useful. But it’s worth understanding what sets B2Bpay apart, because not all business payment platforms work the same way.
Most credit card payment tools only work when the person on the other end accepts cards. B2Bpay removes that limitation for most business payments. Rent, trade suppliers, utilities, local council rates, insurance premiums, if you have a bill and a bank account to send to, B2Bpay can likely handle it. (Some exclusions apply)
This matters because a lot of your biggest business expenses probably sit outside the card network entirely. B2Bpay brings those payments back into the picture, which means more of your monthly spend can work for you rather than just leaving your account.
B2Bpay Points is the flexible way to earn. Instead of being tied to a single loyalty program, you accumulate B2B Points and convert them to your preferred partner. Current partners include Qantas Business Rewards, Virgin Australia Business Flyer, and Qatar Airways Privilege Club. Conversion rates vary by partner, so it’s worth checking what works best for your loyalty program of choice.
Some payment platforms charge a base processing fee, then add a separate charge on top if you want to earn bonus points. That’s two fees for something you might reasonably expect to be one. B2Bpay doesn’t operate that way. You automatically earn points for every payment made, not sold as an optional extra.
There are also no monthly subscription fees to use the service. You simply pay a standard, tax-deductible processing fee when you make a payment, and that’s it. No hidden costs sitting in the fine print.
For small businesses watching the books closely, that kind of clarity matters. You know what you’re paying before you commit.
Not all business payment platforms convert points at the same rate. Some require two of their own points to earn one Qantas or Velocity point. B2Bpay’s conversion rate from B2B Points to both Qantas and Velocity is 1:1. 1 B2B Point = 1 Qantas/Velocity Point. Simple, no maths.
The same applies to Avios. B2Bpay’s B2B Points conversion rate to Qatar Airways Privilege Club’s Avios is 2:1, which compares favourably with what some other platforms offer at 3:1.
Conversion rates are worth checking in detail before choosing a platform, because the headline fee isn’t the only number that affects the value you receive.
One of the practical reasons businesses use credit cards for payments is timing. When you pay a supplier through B2Bpay using your card, you can potentially extend the time before that money leaves your business, depending on where you are in your card’s billing cycle.
For a small business managing cash flow carefully, that breathing room can be genuinely helpful. It doesn’t change what you owe, but it can change when you pay it, which sometimes makes a meaningful difference.
B2Bpay integrates with Xero and QuickBooks, so your payments don’t create extra work at the end of the month. Transactions can be reconciled directly through your existing accounting setup, keeping your records tidy without adding a separate step to your workflow.
If you’re already using one of those platforms, the integration is worth factoring in. Less manual data entry means fewer opportunities for things to go wrong.
To bring it together, here’s what a typical B2Bpay setup looks like for a small business:
None of this requires switching banks, changing suppliers, or restructuring how you currently operate. You connect your existing card, set up your account, and start paying.
B2Bpay is designed to fit around how SMEs already operate. Instead of changing the way you pay suppliers, it helps you get more value from the payments you’re already making. Whether you’re looking to earn more reward points, improve cash flow flexibility, or simplify reconciliation, B2Bpay brings those benefits together in one platform.
With no monthly subscription fees, straightforward pricing, and the ability to pay suppliers who don’t normally accept credit cards, it’s a practical solution for businesses that want to make everyday spending work harder.
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!
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.
