Accept card payments and direct debit
Accept payments without setup fees or monthly costs.
Receiving payments
Accept card payments online and get rewarded.
Add a secure payment link to your invoices and let customers pay by card or direct debit, with no setup costs or ongoing fees.
Earn Qantas Points* when customers pay.
Bank account
Benefits of accepting payments with B2Bpay
Get paid faster
Give customers an easy way to pay immediately via a secure payment link on your invoices.
Offer multiple payment options
Customers can pay by credit card or Australian bank account.
Earn Qantas Points* when you get paid
Earn 1 Qantas Point for every $20 paid to you via Mastercard or Visa.
Improve cash flow
Faster payments and flexible payment options help keep your cash flow moving.
Connect your accounting software
Integrate with Xero, MYOB or QuickBooks to simplify reconciliation and payment tracking.
How it works
Start accepting card payments online from your customers. It’s easy, it’s free and you get rewarded.
- 1
Invoice your customer
Add your B2Bpay payment link to your invoice, straight from Xero, MYOB or QuickBooks (plus others).
- 2
Customer pays via B2Bpay
Customers pay with their nominated card via your B2Bpay payment link.
- 3
Funds sent to you
Funds are transferred to you by EFT or BPAY within 3 business days.
Reward your customers with bonus Qantas Points*
Upgrade to become a B2Bpay Bonus Biller and offer your customers a ready-built, rewarding loyalty program, on top of the Qantas Points they already earn through B2Bpay.
For billers that currently accept credit cards and do not pass on the bank’s merchant service fee (MSF) to their customers. There is no additional cost to you as the cost of being a Silver Bonus Biller replaces the bank’s MSF.
For billers that currently (or want to) provide a discount to customers when they pay on time.
For billers seeking a competitive edge. Be promoted as an exclusive Bonus Biller in your industry category.
Your questions answered
B2Bpay's biller product adds a secure payment link to your invoices so Australian customers can pay you by card or bank account online. Funds arrive by EFT within 3 business days, invoices reconcile automatically, and you can earn Qantas Points when customers pay by card.
How do you accept card payments with B2Bpay?
Short answer: Sign up as a B2Bpay biller and add the payment link to your invoices, directly from Xero, MYOB or QuickBooks or any template. Customers click, pay by card or bank account on a secure branded page, and you receive the funds by EFT within 3 business days.
No new banking, no IT changes, no setup fee stated. The link works on emailed or printed invoices, and your accounting software is updated when the invoice is paid.
You do not need to accept cards yourself today. B2Bpay accepts the card payment and passes it to you as a bank transfer, so your existing processes stay the same.
Why accept payments through B2Bpay?
- Get paid faster. Customers can pay immediately, any time, on any device.
- Offer more ways to pay. Visa, Mastercard, American Express, Apple Pay, Google Pay, PayTo and bank account.
- Reduce chasing. Fewer phone payments, fewer overdue invoices, less admin.
- Earn Qantas Points when you get paid by Visa or Mastercard, under the Qantas pathway and Qantas Business Rewards terms.
- Reconcile automatically. Payments update the invoice in Xero, MYOB or QuickBooks.
- Stay secure. PCI DSS compliant, tokenised cards, Australian-based team, data onshore.
Receiving and making payments live in the same platform, so your payables earn points too. See making payments.
Pricing for receiving payments
A card payment fee applies per payment received, ex GST. You can absorb it as a business cost or show it to your customer on the payment page; the team can talk through what suits your business.
| Payment type | Fee (ex GST) |
|---|---|
| American Express | 2.5% |
| Mastercard / Visa premium | 1.6% |
| Mastercard / Visa standard | 1.6% |
| Apple Pay / Google Pay | 1.6% |
| PayTo | 0.75% |
| Bank account | 0.50% |
| International cards | 3.6% |
No setup or monthly fee is stated. The RBA's rules on passing card costs to customers changed on 1 October 2026 (see rba.gov.au), so talk to the team about which option suits your business. This is general information, not legal advice.
Do I need to register to receive a payment from a B2Bpay customer?
No. If one of your customers pays you through B2Bpay you simply receive an EFT or BPAY payment. Registering as a biller gives you your own payment link, a login to track payments, downloadable reports and the ability to earn Qantas Points.
How do I know which customers have paid?
BPAY payments arrive with the customer's BPAY reference, and EFT payments arrive individually with the reference your customer provided. If you connect Xero, MYOB or QuickBooks, each payment is recorded against the invoice automatically. Your biller login also lists every payment.
What if I don't want to accept cards directly?
You never handle cards. B2Bpay accepts the card payment on its secure page and passes the funds to you by EFT or BPAY with a reference you can match. Your customers get another way to pay without you changing invoicing, banking or payment processes, and you never see or store card numbers.
Do my customers earn points too?
Yes. Customers who are Qantas Business Rewards members and enter their ABN on your payment page earn Qantas Points on what they pay you, and they earn their own card points. Bonus Billers offer extra Qantas Points on top. It costs you nothing extra to offer this.
I don't use Xero, MYOB or QuickBooks. Can I still use the payment link?
Yes. The team can help you add the payment link to any invoice template or email. You will still receive funds by EFT within 3 business days and can track payments in your biller login. Many billers simply add the link to their email signature or PDF invoice template.
Are there industries B2Bpay cannot service?
A small number of industries and payment types are excluded under card scheme rules, for example financing and payments between related entities. The team confirms eligibility during sign-up, usually in the same conversation that sets up your payment link. Call 1300 205 575 if you are unsure.
Accept payments online with B2Bpay today
Whether you run a professional services firm, agency, retail business or trade company, B2Bpay makes it easier to get paid.
*A Qantas Business Rewards membership is required to earn Qantas Points. Terms apply.