A Square alternative for Australian businesses
Looking for an Australian-based way to accept card payments, with competitive fees and no hardware? Here is how B2Bpay compares with Square for businesses that invoice their customers, and why business owners are making the switch.
Is B2Bpay a good alternative to Square?
Short answer: For businesses that send invoices, often yes. B2Bpay puts a 'Pay Now' link on your invoices, settles the full invoice amount into your bank account within 3 business days, reconciles with Xero, MYOB and QuickBooks, and earns you Qantas Points for getting paid. No hardware is needed and support comes from an Australian team in Sydney.
"I've recently switched to B2Bpay as my preferred payment platform for my business. It was easy to sign up and after-sales support is excellent. One on one online training is offered and follow up via email was part of the service. The support team are Australian-based and understood my requirements perfectly. Another bonus: it links to my Xero accounting software AND I earn Qantas Points. Very happy."
Square vs B2Bpay at a glance
B2Bpay gives you two ways to handle card fees. Square details are as published when this comparison was written; check Square's website for current pricing and terms.
B2Bpay: fee shown to your customer
- The card payment fee is shown to your customer on your payment page, subject to the RBA rules.
- Earn Qantas Points**
- Simple set-up
- Australian-based team to support you
- Set up direct debit payments
- Process payments over the phone
B2Bpay: you absorb the fee
- Competitive card fees, invoiced to you monthly (see pricing below)
- No transaction fee on top
- Full invoice amount settled to you
- Same features: Qantas Points, direct debit, phone payments
Square
- In person, online or both
- 1.6% to 2.2% at the time of comparison
- Next-day payout, including weekends
- Withholds funds until the business is verified
- Add-on services cost extra
- Hardware costs involved
Book a demo with the team and they will show you what B2Bpay can do.
Why business owners are leaving Square for B2Bpay
Your money arrives in 3 business days, automatically
Once you are signed up, the funds your customers or clients pay you are settled into your bank account within 3 business days. It is automatic: once you are approved and set up, there are no more hoops to jump through to receive your funds.
Australian owned and based
The B2Bpay team is in Sydney. Pick up the phone and talk to the team any time during business hours, and expect quick replies to messages and emails. The team will troubleshoot with you, including by screen sharing, so everything is working straight away. You won't find chat bots at B2Bpay.
Choose who pays the card fee
You can show the card payment fee to your customer on the payment page, or absorb it yourself at one of the most competitive rates on the market. The RBA's rules on card surcharges changed on 1 October 2026, so the team will confirm which set-up suits your business.
Simple accounting and reconciliation
The full invoice amount is settled into your account within 3 business days. If you choose to absorb the card fee, it is not taken out of the payment; instead, B2Bpay sends you an invoice for fees at the end of each month. Integrations with Xero, MYOB and QuickBooks save even more time on reconciliation.
Earn Qantas Points for getting paid
As a B2Bpay biller you earn 1 Qantas Point for every $20 paid to you by Visa or Mastercard.** Make the switch and put it towards a well-deserved holiday.
Pricing for receiving payments
If you absorb the fee, the card processing fees are: Visa / Mastercard standard cards 1.3%, Visa / Mastercard premium and corporate cards 1.65% and American Express 2.2%, with no transaction fees.
You choose how the fee is handled: absorb it as a business cost, or show it to your customer on the payment page. The RBA's rules on passing card costs to customers changed on 1 October 2026, so the team will talk through which option suits your business. See what the RBA surcharge ban means for your business. This is general information, not legal advice.
No setup or monthly fee is stated. Full detail is on the pricing page.
Why become a B2Bpay biller?
Get paid faster
- Reduce payment chasing by 61%
- Improved cash flow in 73% of businesses
- Reduce bad debt
Save time
- Get paid online, 24/7
- No cross-checking bank statements
- No storing credit card details
- Automatic reconciliation with Xero, MYOB and QuickBooks
No equipment costs
- No hardware fees
- No merchant facility fees
- No monthly charges
Earn Qantas Points
- Earn Qantas Points for receiving eligible business payments
Easy to implement
- The team does it all for you
- No training or merchant facilities required
- No changes to your banking or IT systems
Add card payments to your Xero, MYOB or QuickBooks invoices
Accept credit card payments online directly from your Xero, MYOB or QuickBooks invoices. If you don't use any of these programs, the team will step you through adding a payment link to any invoice.
- Connect Xero, MYOB or QuickBooks from your B2Bpay dashboard.
- Your customer pays your invoice online.
- You receive the funds within 3 business days, and the payment reconciles automatically in Xero, MYOB or QuickBooks.
- You earn Qantas Points on eligible payments.
See the Xero integration FAQs for set-up detail.
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."
"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."
"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 B2Bpay' option. I highly recommend!"
Ready to switch?
Start accepting card payments online from your business customers. It's easy, and you get rewarded.**
Frequently asked questions
What is the process to get set up?
If you are an Australian business with an ABN and want to receive card payments through B2Bpay, click Get started so the team has your details. The team will contact you to learn about your business, email you an activation form and ask for some verification details. Once you are verified, they set you up and build your own branded payment page. Guides are available to add a 'Pay Now' link or stamp to your invoices, and the team will step you through it. They will also book a live demo to show you every feature, including setting up customers for direct debit and taking one-off payments over the phone.
How do I earn Qantas Points for getting paid?
There is no catch. You earn 1 Qantas Point for every $20 paid to you by Visa or Mastercard through your online payment page. You must be a Qantas Business Rewards member. The one-off join fee of $89.50 including GST is waived for B2Bpay customers using B2Bpay's link.
What are the card processing fees?
If you choose to absorb, the only fee is a card processing fee: Visa / Mastercard standard cards 1.3%, Visa / Mastercard premium and corporate cards 1.65% and American Express 2.2%. You can absorb the fee or show it to your customer on the payment page; the team will confirm the right option under the RBA rules from 1 October 2026.
How quickly do I receive my money?
The full invoice amount is settled into your bank account within 3 business days. If you absorb the card fee, it is invoiced to you at the end of the month rather than deducted from the payment.
Can I talk to someone?
Of course. Use the chat on this page, call the team on 1300 205 575 during business hours, or book a live demo.
Offer terms and conditions
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, but is waived for B2Bpay customers using B2Bpay's join 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 earn 1 Qantas Point for every $20 of customer payments made using Visa or Mastercard through the Public WebPay payment portal supplied by B2Bpay and featured on the Biller's invoice or statement template (an 'eligible payment'). Excludes failed or refunded payments, and may not be available to businesses on enterprise or special pricing plans. Qantas Points are credited to the member's Business Rewards account within 90 days of the eligible spend. Any claims about Qantas Points under this offer must be made directly to B2Bpay by emailing info@b2bpay.com.au. Businesses must make sure the ABN registered with Qantas Business Rewards is saved in the B2Bpay customer profile, or entered online when paying, to earn Qantas Points.
Members who make payments through B2Bpay earn 1 Qantas Point for every $100 paid and up to 3 Qantas Points per $1.50 paid to B2Bpay Bonus Billers. See the B2Bpay website for the current list of Bonus Billers.
Square is a trademark of its owner. Square details are as summarised by B2Bpay and may have changed; check Square's website for its current pricing and terms.
Make the switch to B2Bpay
Get a payment link on your invoices and earn Qantas Points for getting paid.