Let customers 'Pay with Points' when they pay your invoices
B2Bpay has partnered with American Express so Card Members can use their Membership Rewards points to pay your invoices. It costs you nothing, needs no IT work, and you still receive the full invoice amount as normal.
What is Pay with Points for billers?
Short answer: B2Bpay has partnered with American Express so Card Members can use their Membership Rewards points to pay your invoices. Sign up to B2Bpay to accept payments and the option appears automatically on your payment page, at no cost to you. You still receive the full invoice amount, as normal.
It gives your customers and clients another way to pay, which helps you get paid faster. There is no IT work or integration: when a customer pays you with an American Express Card, they are offered the choice to 'Pay with Points'.
Benefits to you
When you pay your own bills through B2Bpay by American Express, you also earn Qantas Points from B2Bpay on the full amount, including any portion you pay with points.*
How your customers benefit
- Improve cash flow. They can use points already earned on business bills instead of business funds.
- Choice and flexibility. Points give them another way to pay.
- A cheaper way to pay. The points have already been earned, so paying with them is a cheaper way to settle business bills.
How do customers pay with points?
- They receive your invoiceYour invoice includes a convenient link to your B2Bpay payment page.
- They enter the payment detailsYour customer follows the steps on the payment page to pay the bill.
- They use their AmexYour customer selects or enters their American Express Card details and presses 'Pay Now'.
- They choose to use pointsThe American Express SafeKey pop-up gives them the option to pay with points only, or with a combination of points and their card.
- The payment is completeAmerican Express charges the Card for the full transaction amount, then raises a statement credit for the points portion within 72 hours.+
- You get paidYou receive the full amount of your invoice from B2Bpay, as normal.
Where Pay with Points works
- Every B2Bpay Biller's 'Pay Now' payment page hosted by B2Bpay. The address starts with pay.b2bpay.com.au.
- Integrated Xero, MYOB and QuickBooks payment pages hosted by B2Bpay.
- Websites that use the B2Bpay Payment Plugin.
- The one-off payment page in the B2Bpay Customer Portal, when the primary Card Member pays a bill.
Earn 10,000 bonus Qantas Points for the first $10,000 received*
Find out how receiving payments through B2Bpay works, and how you earn Qantas Points for getting paid.
Want to know more?
If you need help setting up B2Bpay or Pay with Points, call our Sydney-based team on 1300 205 575.
Using Membership Rewards® Pay with Points with SafeKey®
Where it is available
Pay with Points with B2Bpay is available when you, the primary Card Member, pay bills using the one-off payment page on the B2Bpay Customer Portal. It is also available on all B2Bpay Billers' 'Pay Now' payment pages hosted by B2Bpay (including integrated Xero, MYOB and QuickBooks pages, where the URL starts with pay.b2bpay.com.au) and on websites using the B2Bpay Payment Plugin.
Eligibility to 'Use points to pay with SafeKey'
You can 'Use points to pay with SafeKey' if you are the Primary Card Member of an Australian-issued American Express® Card, your Card is enrolled in the Membership Rewards programme, and your Card account is in good standing (not overdue or in collection). Supplementary Card Members are not eligible.
+ Using 'Use points to pay with SafeKey'
The minimum redemption is 1,000 Membership Rewards points. The maximum redemption is the lower of the total transaction value or your total Membership Rewards points. The number of points needed for a credit may vary over time; the points required for the credit value are shown during redemption, before you submit.
The full transaction amount is charged to your account, and the statement credit for the value you selected appears within 72 hours of the charge (this may not be the full transaction amount). The credit may not appear on the same statement as the charge. If so, you must still pay the amount due on your statement, and the credit will apply to charges on your next statement.
^ Membership Rewards points are subject to the Membership Rewards program Terms and Conditions.
Returns and refunds
If required, contact B2Bpay about refund eligibility, but remember that payments cannot be refunded after funds have been forwarded to your biller. If you do obtain a refund, the refund amount applies to your Card account. Membership Rewards points are not reimbursed automatically: you may keep the credit, or if you prefer your points back, call American Express on the number on the back of your Card.
General
Your Card terms and conditions continue to apply when you use points with SafeKey. You must keep making payments as set out in your Statement of Account and Card Member agreement. All Membership Rewards points are subject to the Membership Rewards Terms and Conditions. American Express may change or suspend the 'Use points to pay with SafeKey' feature for any reason and at any time without notice, including when a Card account is not in good standing. For more information, see the American Express Pay with Points FAQs (PDF).
About B2Bpay
B2Bpay is owned and operated by Zenith Payments Pty Ltd, a payment processing business based in Sydney. Payment processing and merchant acquiring facilities are provided by Westpac, American Express and other leading financial institutions. A tax-deductible processing fee applies to payments made through B2Bpay; the applicable fee is shown when you set up a biller and when you make a payment. See pricing and what's included.
* Qantas Points
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 it is waived for B2Bpay customers who join 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. Members earn 1 Qantas Point for every $7 paid to the ATO by card, 1 Qantas Point for every $10 paid to all other billers by card, and 1 Qantas Point for every $3 paid to a biller by bank account. Rates at time of publishing (2023). See current rates.
^^ Members can also earn up to 3 Qantas Points per $1.50 paid to B2Bpay Bonus Billers. See the B2Bpay website for the current list of Bonus Billers.
Qantas Points are credited to the Member's Business Rewards account by the 14th day of the month following the eligible spend. Any claims about Qantas Points under this offer must be made directly to B2Bpay by emailing help@b2bpay.com.au. Businesses must make sure the ABN registered with Qantas Business Rewards is saved in their B2Bpay customer profile, or entered online when paying, to earn Qantas Points.
Frequently asked questions
Does it cost me anything to offer Pay with Points?
No. Pay with Points is available at no cost to B2Bpay Billers. You receive the full invoice amount from B2Bpay as normal, with no extra reporting.
Do I need to set anything up?
No IT or integration is needed. If you accept payments through B2Bpay's online or plugin payment solutions, customers who pay with an American Express Card are offered 'Pay with Points' automatically in the American Express SafeKey pop-up.
Which American Express Cards can use Pay with Points?
Primary Card Members of Australian-issued American Express Cards enrolled in Membership Rewards, with the account in good standing. Supplementary Card Members and co-brand cards with Velocity and Qantas are not included.
How many points does a customer need?
The minimum redemption is 1,000 Membership Rewards points. The maximum is the lower of the transaction value or the customer's points balance. Customers can pay with points only or with points plus their card.
When does the customer's statement credit appear?
American Express charges the Card for the full transaction amount and raises a statement credit for the points portion within 72 hours. The credit may appear on the next statement.
What happens if a payment is refunded?
Payments cannot be refunded after funds have been forwarded to the biller. Where a refund is given, it goes to the Card account and points are not reimbursed automatically; the Card Member can call American Express to ask for points back instead of the credit.
Give customers another way to pay
Accept card payments through B2Bpay and Amex Card Members can pay you with points.