How does B2Bpay compare?

We want you to make the best decision for your business. Here is how B2Bpay compares with PayPal, Stripe, Square, Pay Advantage, Payrix and Pinch Payments on fees, set-up, settlement, support and rewards.

By the B2Bpay teamUpdated 28 October 20265 min read

How B2Bpay stands out

Short answer: B2Bpay puts a secure payment link on your invoices so customers can pay you by card online. There is no set-up fee and no per-transaction fee, the Australian team sets it up for you, payments reconcile in Xero, MYOB or QuickBooks, and you earn Qantas Points on eligible Visa and Mastercard payments you receive.

There are many payment processing platforms to choose from, and the decision can be overwhelming. We want you to make the best decision for your business, so we have put together simple feature-by-feature comparisons showing where B2Bpay stands against the providers businesses ask us about most.

Get paid fasterCustomers pay online straight from your invoice, so there is less payment chasing.
Easy to implementThe B2Bpay team sets it up for you. No IT work is needed.
Earn Qantas PointsEarn on eligible business payments you receive by Visa or Mastercard.
Save timeGet paid online, with automatic reconciliation in Xero, QuickBooks and MYOB.
No cost to youNo payment hardware fees, no monthly charges and no merchant service fees.

B2Bpay vs international providers

PayPal, Stripe and Square are well known, but each charges a percentage fee plus 30 cents on every transaction, supports you from overseas, and asks you to verify your account before you can withdraw funds.

B2Bpay compared with international payment providers
Feature	B2Bpay	PayPal	Stripe	Square
Card fee to you	0% when the fee is shown to your customer, or 1.3% to 2.2% if you absorb it	2.6% to 3.5%	1.75% to 2.9%	1.9% to 2.2%
Per-transaction fee	None	$0.30	$0.30	$0.30
Set-up fee	$0	$0	$0	$0
Customer service	Australian team	Overseas	Overseas	Overseas
Getting started	Quick and easy set-up, done for you	Quick set-up, but you must be verified before you can withdraw	Quick set-up, but you must be verified before you can withdraw	Quick set-up, but you must be verified before you can withdraw
Funds held	3 business days (paid to you by EFT)	3 business days	Up to 7 business days	Up to 7 business days
Qantas Points	Yes	No	No	No

Competitor fees and features are as B2Bpay previously published them on this page. Providers change their pricing, so check each provider's own website for current rates. B2Bpay's fees are its current pricing for receiving payments; see the full table below.

B2Bpay vs Australian providers

Local providers also offer direct debit and phone payments, but they charge per-transaction fees, can take up to 10 days to set up, and none of them earn you Qantas Points.

B2Bpay compared with Australian payment providers
Feature	B2Bpay	Pay Advantage	Payrix	Pinch Payments
Card fee to you	0% (no cost, ever) when the fee is shown to your customer, or 1.3% to 2.2% if you absorb it	1.87%	1.98% to 2.98%	1.95%
Per-transaction fee	None	$0.33	$0.33	$0.30
Set-up fee	$0	$0	$110	$0
Set-up time	Quick and easy, done for you	Up to 3 days	Up to 10 days	Up to 10 days
Direct debit	Yes	Yes	Yes	Yes
Phone payments	Yes	Yes	Yes	Yes
Other costs or limits	No monthly charges	Cannot pass the fee on to the customer	Monthly account service fee	Higher fees for customers
Qantas Points	Yes	No	No	No

Compare B2Bpay with each provider

A detailed page for each provider, covering fees, payout times, support and accounting integrations.

ComparisonA Stripe alternative that's cheaper, with great Australian customer serviceLooking for an Australian alternative to Stripe? Compare fees, settlement times and support, add direct debit, and earn Qantas Points for getting paid with B2Bpay.ComparisonA PayPal alternative that is free for Australian businessesLooking for an Australian-based payment processor with lower fees that does not withhold funds? Compare PayPal and B2Bpay for getting paid on your invoices.ComparisonA Square alternative for Australian businessesComparing Square and B2Bpay for accepting card payments on invoices: fees, payout timing, Australian support, Xero, MYOB and QuickBooks reconciliation and Qantas Points.ComparisonAn eWay alternative that's easy to set up, with no bank gatewayCompare eWay and B2Bpay. No bank gateway or IT integration, set up in days, direct debit and phone payments, funds in 3 business days, and Qantas Points.ComparisonAn Integra Pay alternative that is lower costCompare Integra Pay and B2Bpay. No set-up fee, no transaction fee on top, set up within days, direct debit and phone payments, and Qantas Points for getting paid.ComparisonA Pay Advantage alternative with lower costs and more optionsCompare Pay Advantage and B2Bpay: no transaction fee on top, the option to show the fee to customers, Xero, MYOB and QuickBooks integration, and Qantas Points.ComparisonA Pinch Payments alternative that costs lessCompare Pinch Payments and B2Bpay. No cost to you when fees are passed on, no transaction fee if you absorb them, set up in days, and Qantas Points for getting paid.ComparisonA GoCardless alternative that accepts card payments for direct debit, tooComparing GoCardless and B2Bpay: card payments as well as direct debit, free setup and customisation, an Australian team, Xero, MYOB and QuickBooks reconciliation and Qantas Points.

What does B2Bpay cost?

There is no set-up fee and no per-transaction fee. A card payment fee applies to each payment you receive. You choose who pays it:

Show the fee to your customer on the payment page, and receiving payments costs your business nothing.
Absorb the fee as a business cost. The only charge is the card payment fee below.

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.

These fees replace any merchant service fee you pay today, and you and your customers earn Qantas Points on eligible payments. The RBA's rules on passing card costs on to customers changed on 1 October 2026, so talk to the team about which option suits your business; see what the RBA changes mean for your business. This is general information, not legal advice. Full detail is on accept card payments.

How to get set up

Any Australian business with an ABN can start receiving card payments through B2Bpay.

Tell us about your business. Click Get started so we have your details.
Activation and verification. The team contacts you to learn more about your business, emails you a biller activation form and asks for some verification details.
Your branded payment page. Once you are verified, we set you up in our system and build your own branded payment page.
Add "Pay Now" to your invoices. Our guides show you how to add a "Pay Now" link or stamp to your invoice, and the team can step you through it. See the Xero and MYOB integration FAQs.
Live demo. We book a live demo to show you every feature available, including setting up customers for direct debit and taking one-off payments over the phone.

Earn Qantas Points when you get paid

There really is no catch. You earn 1 Qantas Point for every $20 your customers pay you by Visa or Mastercard through your online payment page.

To receive Qantas Points your business must be a Qantas Business Rewards member. A one-off join fee of $89.50 including GST normally applies, but it is waived for B2Bpay customers who join through B2Bpay's link. See earn Qantas Points.

Frequently asked questions

What is the process to get set up?

If you are an Australian business with an ABN, click Get started so we have your details. The team will contact you to learn about your business, email you an activation form and ask for verification details. Once you are verified, we set you up and build your own branded payment page. Our guides show you how to add a "Pay Now" link or stamp to your invoice, and the team can step you through it. We also book a live demo to show you every feature, including setting customers up 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. Your business must be a Qantas Business Rewards member; the one-off $89.50 (including GST) join fee is waived for B2Bpay customers who join through B2Bpay's link.

What are the card processing fees?

There is no set-up or per-transaction fee. If the fee is shown to your customer, receiving payments costs your business nothing. If you absorb it, 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%. These fees replace any existing merchant service fee, and you and your customers earn Qantas Points on eligible payments. See accept card payments.

Are the competitor fees on this page current?

They are the figures B2Bpay previously published for each provider. Providers change their pricing, so check each provider's own website before you decide. B2Bpay's own fees on this page are current.

Can I talk to someone?

Of course. Use the chat on this page to talk to the team online, call 1300 205 575, or get in touch to book a live demo.

Qantas Points terms. 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 through B2Bpay's 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 payments made by customers using Visa or Mastercard through the public payment portal supplied by B2Bpay (an "eligible payment") and featured on the biller's invoice or statement template. 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 Qantas 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 their B2Bpay customer profile, or entered online when paying, to earn Qantas Points. Customers paying B2Bpay Bonus Billers can earn up to 3 Qantas Points per $1.50 paid; see Bonus Billers.

Get started with B2Bpay

Tell us about your business and the team will set up your branded payment page. Prefer to talk? Call 1300 205 575.

Get started