Guides to paying business bills by card
Answers to the questions Australian businesses ask about paying the ATO, suppliers, rent and bills by card: what it costs, what it earns, and what changed in 2026 and 2027.
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If you are new to B2Bpay, read how B2Bpay works, then what a payment earns and what it costs. The points calculator shows both for any bill.
ATO and card changesATO credit card changes: what happens after 30 June 2027The ATO stops taking credit cards after 30 June 2027. What changed on 1 October 2026 and how to keep paying BAS by card and earning points through B2Bpay.RBA changesThe RBA surcharge ban: what it means for your businessCard surcharges are banned from 1 October 2026. What the RBA changed, which billers stopped taking cards, and how B2Bpay's platform fee fits the new rules.ATO and BASHow to pay the ATO and your BAS by credit card and earn pointsPay BAS, PAYG and income tax by Visa, Mastercard or Amex through B2Bpay. Keep full card points, earn B2B Points and get up to 55 days interest-free.Supplier paymentsHow to pay suppliers by credit card when they don't accept cardsPay any supplier invoice by Visa, Mastercard or Amex through B2Bpay. They get a normal bank transfer; you keep card points and earn B2B Points.Cash flowUp to 55 days interest-free: how paying bills by card helps cash flowHow paying suppliers, rent and the ATO by card through B2Bpay gives up to 55 days interest-free, how statement timing works and when it makes sense.Fees and taxB2Bpay platform fees, GST and tax deductions explainedB2Bpay fees ex GST: Visa and Mastercard from 1.10%, Amex from 2.10%, bank from 0.50%, PayTo from 0.60%. How GST applies and what is deductible.Points mathsPoints maths: what a payment through B2Bpay actually earnsWorked examples of fees, B2B Points and cost per point for BAS, supplier and rent payments on Essential, Earn Plus and Earn Max plans.ComparisonPaying direct vs paying through B2Bpay: an honest comparisonSide by side: points, fees, cash flow and what happens after the ATO stops taking credit cards. See when paying through B2Bpay beats paying direct.ComparisonHow does B2Bpay compare?Compare B2Bpay with PayPal, Stripe, Square, Pay Advantage, Payrix and Pinch Payments: card fees, set-up costs, settlement times, local support and Qantas Points when you get paid.Qantas PointsHow to earn Qantas Points on business bills with Qantas Business RewardsEarn Qantas Points on BAS, suppliers and rent through B2Bpay: join Qantas Business Rewards (fee waived), link your ABN and convert B2B Points 1:1.Choosing a cardChoosing a credit card for paying tax and suppliers through B2BpayWhat to look for in a credit card for paying the ATO, suppliers and rent through B2Bpay: earn rate, points caps, interest-free days, Amex vs Visa.Getting startedHow B2Bpay works, step by stepRegister with your ABN, add a biller, pay by card, bank or PayTo, and B2Bpay sends a bank transfer. B2B Points in 5 days. Used by 40,000+ businesses.Security and trustIs B2Bpay safe? Security, compliance and who is behind itB2Bpay is owned by Zenith Payments Pty Ltd, PCI DSS compliant, verifies payee bank accounts and keeps data onshore. Used by 40,000+ Australian businesses.Accounting integrationsHow to pay bills from Xero, MYOB or QuickBooks by credit cardConnect Xero, MYOB or QuickBooks to B2Bpay, pay bills by card, bank or PayTo, and have payments and fees reconciled automatically. Earn points on bills.Rent and propertyHow to pay commercial rent, strata levies and property costs by credit cardPay business rent, strata levies and property costs by Visa, Mastercard or Amex through B2Bpay. Your landlord gets a bank transfer; you earn points.Payroll and superPayroll, super and what you cannot pay through B2BpayCan a business pay wages, super and payroll tax by credit card through B2Bpay? What is within the rules, what to confirm, and what card rules exclude.Reward partnersEarning Velocity Points, Avios and Luxury Escapes Société Points on business billsConvert B2B Points to Velocity Points at 1:1, Avios at 2:1 or Luxury Escapes Société Points at 1:2.5. How each partner works and how to choose.Rates, insurance, utilitiesHow to pay council rates, insurance and utilities by credit card and earn pointsPay council rates, insurance premiums, power, gas, water and telco bills by card through B2Bpay. Keep full card points plus B2B Points on every bill.American ExpressHow to pay with Amex where Amex is not acceptedPay the ATO, suppliers, rent and bills with Amex even where it is not accepted. They get a bank transfer; you earn full Membership Rewards plus B2B Points.American ExpressPay business expenses with American ExpressPay suppliers, the ATO, rent and bills with your American Express card through B2Bpay, even where Amex is not accepted. Keep full points plus B2B Points.Visa and MastercardPay business expenses with Visa and earn pointsPay all your business bills with your Visa card through B2Bpay, including the ATO and suppliers who don't take cards. Keep full points, add B2B Points.ATO and BASPay BAS with a credit card and earn pointsPay your BAS with a credit card through B2Bpay and earn full card points plus B2B Points. Keep up to 55 days of cash flow, before and after 30 June 2027.Qantas Business RewardsGet rewarded when you make and receive paymentsEarn Qantas Points when you pay suppliers, the ATO and bills through B2Bpay, and when customers pay you by card. Works with Xero, MYOB and QuickBooks.Supplier paymentsPaying suppliers with a credit cardHow to pay any supplier with a credit card through B2Bpay, even when they only accept bank transfer. Earn full card points plus B2B Points.ATO and BASPay tax by credit card and earn bonus Qantas PointsHow to pay your ATO tax bill by credit card, what it costs, and how to earn full card points plus B2B Points that convert to Qantas Points 1:1.ATO and BASEarn full credit card reward points for paying the ATOPaid directly, ATO bills often earn reduced or no card points. Through B2Bpay you earn full card points plus B2B Points, before and after 30 June 2027.ATO changes 2027Keep paying the ATO by credit card after 30 June 2027The ATO stops accepting credit card payments after 30 June 2027. What businesses need to know, and how B2Bpay lets you keep paying BAS and tax by card.Making paymentsMake business payments online: quick, secure and rewardingPay suppliers, the ATO and bills online with B2Bpay by card, bank account or PayTo. Earn full card points plus B2B Points. Works with Xero and MYOB.Receiving paymentsAccept card payments online and get rewardedAdd a secure payment link to your invoices with B2Bpay so customers pay by card or bank account. Get paid faster, reconcile automatically, earn points.Xero integrationB2Bpay with Xero integration: frequently asked questionsHow and why to connect Xero with B2Bpay: pay approved Xero bills by card, add a payment link to Xero invoices, and have every payment and fee recorded.B2B PointsTurn every payment into points for your businessEarn B2B Points on business payments with B2Bpay and convert them to Qantas or Velocity Points 1:1, or to Avios or Société Points. Keep full card points.B2B PointsHow B2B Points workHow B2B Points work: earn on supplier, ATO and bill payments through B2Bpay, choose Essential, Earn Plus or Earn Max, convert to Qantas or Velocity 1:1.Qantas Business RewardsConvert B2B Points to Qantas PointsEarn B2B Points on supplier, tax and bill payments through B2Bpay and convert them to Qantas Points 1:1. Qantas Business Rewards is free to join.Virgin Australia Business FlyerConvert B2B Points to Velocity PointsEarn B2B Points on supplier, ATO and bill payments through B2Bpay and convert them to Velocity Points 1:1 via Virgin Australia Business Flyer.PricingB2Bpay pricing and what's includedB2Bpay's full fee table for Visa, Mastercard, Amex, bank account and PayTo on the Essential, Earn Plus and Earn Max plans, and what the fee includes.BPAY by cardHow to pay BPAY with a credit card and earn pointsPaying BPAY bills from a credit card through your bank is often a cash advance. How to pay BPAY by card through B2Bpay and earn full points instead.Rent and propertyPay rent with a credit card and get rewardedPay business rent, strata and property costs with a credit card through B2Bpay, even if your landlord only takes bank transfer. Earn full card points.Why B2BpayWhy choose B2BpayPay any supplier by card, even if they don't accept cards, earn full card points plus B2B Points, convert 1:1 to Qantas or Velocity, keep cash flexible.Help centreFrequently asked questionsAnswers to common B2Bpay questions: paying suppliers and the ATO by card, fees, B2B Points and reward partners, integrations, getting paid and security.Accounting and bookkeepingB2Bpay for accounting and bookkeeping businessesB2Bpay for accounting and bookkeeping firms: get paid faster with a payment link on invoices, pay suppliers and the ATO by card, and earn points.Building and constructionB2Bpay for builders and construction businessesBuilders can pay subcontractors, materials, plant hire and the ATO by Visa, Mastercard or Amex through B2Bpay, earn points and hold cash up to 55 days.ManufacturingB2Bpay for manufacturing businessesManufacturers can pay raw materials, components, freight, energy and the ATO by Visa, Mastercard or Amex through B2Bpay, earning points and cash flow.Marketing agenciesB2Bpay for marketing and creative agenciesMarketing agencies can pay freelancers, printers, media, software, rent and the ATO by Visa, Mastercard or Amex through B2Bpay and earn points on it all.IT and communicationsB2Bpay for IT and communications businessesIT providers and telcos can pay distributors, licensing, hosting, contractors and the ATO by Visa, Mastercard or Amex through B2Bpay and earn points.Recruitment agenciesB2Bpay for recruitment agenciesRecruitment agencies can pay job boards, software, rent, background checks and the ATO by Visa, Mastercard or Amex through B2Bpay and earn points.Financial servicesB2Bpay for financial services businessesAdvisers and brokers can pay licensee fees, software, PI insurance, rent and the ATO by Visa, Mastercard or Amex through B2Bpay and earn points.Commercial real estateB2Bpay for commercial real estate businessesAgents, property managers and landlords can pay strata, rates, land tax, insurance and the ATO by Visa, Mastercard or Amex through B2Bpay and earn points.Transport and logisticsB2Bpay for transport and logistics businessesTransport operators can pay fuel accounts, registration, insurance, repairs, subcontractors and the ATO by Visa, Mastercard or Amex via B2Bpay.Pharmacy and medicalB2Bpay for pharmaceutical and medical businessesPharmacies and practices can pay wholesalers, consumables, equipment, software, insurance, rent and the ATO by Visa, Mastercard or Amex via B2Bpay.Childcare centresB2Bpay for childcare businessesChildcare centres can pay rent, food suppliers, resources, cleaning, software, insurance, utilities and the ATO by Visa, Mastercard or Amex through B2Bpay.Horse racingB2Bpay for horse racing and breeding businessesTrainers, owners, syndicators and studs can pay agistment, vets, farriers, feed, transport and the ATO by Visa, Mastercard or Amex via B2Bpay.Travel agenciesB2Bpay for travel businessesTravel agencies can pay wholesalers, land operators, consortium fees, software, rent and the ATO by Visa, Mastercard or Amex via B2Bpay and earn points.Law firmsB2Bpay for law firms and legal practicesLaw firms can pay barristers, experts, practice software, PI insurance, rent, subscriptions and the ATO by Visa, Mastercard or Amex via B2Bpay.TradiesB2Bpay for tradies and trade businessesTradies can pay wholesaler accounts, subbies, vehicle costs, insurance, licences, software and the ATO by Visa, Mastercard or Amex via B2Bpay.Customer storyBusiness expenses to family holidaysHow gym franchise owners Billy and Paula run around 80% of their business expenses through B2Bpay, paying suppliers who don't accept Amex, to fund travel.Customer storyEveryday business expenses into rewardsHow Sydney digital agency WebEagles uses B2Bpay to pay suppliers, contractors and ATO bills by card, give clients more ways to pay, and earn rewards.Customer storyFrom business expenses to business classHow The Shower Man Melbourne runs around 80% of its trade spend through B2Bpay on Amex, pays suppliers who don't take cards, and earns 2 million points.BlogHow to maximise Qantas Points for businessThree of the best ways to use 160,000 Qantas Points in your business: premium flights and upgrades, Qantas Marketplace and luxury hotels, plus how to earn points faster with B2Bpay.BlogHow to maximise your points: pay for all business spending with a rewards cardChoose the right rewards card, put all business spending on it, and use B2Bpay to earn full card points plus Qantas Points on the ATO, rent, utilities and suppliers.BlogSmall business tips to quickly earn and spend frequent flyer pointsHow small businesses can quickly earn frequent flyer points on spending and getting paid, and smart ways to spend them on staff, clients and yourself.BlogWhat are Qantas reward flights and how do you book them?How Qantas Classic Flight Rewards work, what they cost in points, how to book a reward seat, and how to earn more Qantas Points on business payments.BlogHow to turn business expenses into Business Class flightsUse your business expenses to earn Qantas Points and upgrade to Business Class: how Qantas upgrades work, four tips to get one, and how B2Bpay earns the points.BlogEarn travel rewards when you pay business expensesTurn business bills into flights. Tips on choosing a rewards card, earning full points on ATO payments and using your card for every business expense with B2Bpay.BlogCan you earn rewards points while getting paid?Earn Qantas Points when customers pay your invoices by card through B2Bpay, plus the Bonus Biller program and the bank accelerator for extra points.BlogYou can now pay by bank account and earn Qantas PointsB2Bpay now accepts payment from Australian bank accounts as well as all credit cards. Pay the ATO, suppliers and utility bills by bank account and earn Qantas Points.BlogWhere will your Avios take you?Earn Avios on your business bills. Pay any supplier by credit card, collect B2B Points, and convert to Qatar Airways Privilege Club Avios.BlogUsing reward points for corporate giftingHow to use frequent flyer points for client and staff gifts: why it works, five tips for a gifting program, and how to order gifts with Qantas Points on Qantas Shopping.BlogThe perfect gift for staff this ChristmasThank your team with Mastercard and Visa gift cards from Gift Card Store, B2Bpay's sister company: design your own, or send same-day digital and e-gift cards.BlogHow to get your business invoices paid faster: 7 tips to improve cash flowTired of chasing unpaid invoices? Seven practical ways to get your business invoices paid faster and improve cash flow, from invoicing straight away to offering more ways to pay.BlogWhy cash flow is important to small businessWhat cash flow is, how to forecast it, the common mistakes that sink small businesses, and how getting paid faster with B2Bpay helps keep cash flowing.BlogInnovative ways to manage your cash flowPractical ways for small businesses to manage cash flow: forecast weekly, collect receivables faster, extend payables, and pay bills by card through B2Bpay for up to 55 days interest-free.BlogMake it easy for your tenants to pay their commercial rent using B2BpayLet tenants pay commercial rent online by credit card, direct debit or BPAY. B2Bpay builds branded rent portals for one property or hundreds, with reporting and Qantas Points.BlogGST and commercial property: a guide for tenants and ownersGST and commercial property explained: GST on rent and bonds for tenants, the $75,000 registration threshold for owners, and GST when buying, selling or leasing.BlogDownload your tax statement in a few clicksDownload your B2Bpay tax statement in a few clicks: log in, open View Payment History, pick your dates and choose Print Invoice, CSV (Excel) or OFX (Xero, MYOB).BlogMultiple user login: add your team to your B2Bpay profileAdd multiple users to your B2Bpay profile with Owner, Super User and User roles. See what each role can do, how to add a user and how payment approvals work.BlogCyber security tips: how to protect yourself and your businessFive practical cyber security tips for Australian businesses: strong passwords, staff training, data back-ups, software updates and protecting financial data, plus how B2Bpay keeps payments secure.BlogHow to protect yourself against common payment and credit card scamsHow to spot and stop the payment scams that most often target Australian businesses: false billing, phishing and whaling, malware and ransomware, overpayment and investment scams.BlogProtecting your business from fraudulent payment activityWhat online payment fraud is, the common types to watch for, how widespread it is, and four practical steps to protect your business from fraudulent payments.BlogPayID: securing everyday transactions for Australian businessesHow PayID protects Australian businesses: check the payee before paying, real-time 24/7 settlement, no account details to share, and how to accept PayID on B2Bpay.BlogThe 7 most important security features to look for in a payment providerThe key features of a secure payment system, from tokenisation and PCI DSS to SSL and encryption, so you can protect your financial information from cyber attacks.BlogUnderstanding the consequences of delayed paymentsHow late payments hurt small business cash flow, growth and supplier relationships, and how B2Bpay helps you get paid on time and earn rewards.BlogHow to accept credit card payments on your invoice for freeAdd a B2Bpay payment link to your invoices so customers can pay by credit card online. No setup or monthly fees, funds within 3 business days, and Qantas Points when you get paid.BlogAccepting credit card payments without the cost and fussThinking about accepting credit cards? It does not need to be difficult or costly. B2Bpay processes card payments for you, with no merchant facility, training or IT changes.Accounting softwareConnect Xero to B2Bpay and earn Qantas Points on business paymentsConnect Xero with B2Bpay to sync bills, pay suppliers by card and get paid on your Xero invoices, earning Qantas Points while your records stay up to date.Accounting softwareHow to add a Payment Account in XeroNo Payment Account to select when connecting Xero to B2Bpay? Add a 3-digit code to your bank account in Xero's chart of accounts, or add a bank account, then refresh.Accounting softwareUsing Xero and B2Bpay in your businessConnect B2Bpay to Xero to pay bills by card, add a pay now option to your invoices, reconcile automatically and earn Qantas Points when you pay and get paid.Accounting softwareWhy Aussie businesses love B2Bpay + XeroConnect B2Bpay to Xero to pay your Xero bills by credit card and accept card payments on your Xero invoices. Read reviews from Australian businesses.Accounting softwareConnect MYOB and B2Bpay to earn Qantas PointsB2Bpay connects with MYOB so your business can pay bills and accept payments by credit card, while earning Qantas Points when you make or receive payments.Accounting softwareConnect QuickBooks with B2Bpay and simplify business paymentsConnect QuickBooks with B2Bpay to sync invoices, pay suppliers by credit card and receive payments while earning points and keeping your accounting records up to date.Accounting softwareBe rewarded when you make and receive paymentsConnect Xero, MYOB or QuickBooks to B2Bpay to pay all your bills by card, get paid online with a Pay Now link, reconcile automatically and earn Qantas Points.Accounting softwareEarn Qantas Points when you make or receive payments through B2Bpay and QuickBooksB2Bpay integrates with QuickBooks so you can pay bills and accept business payments by credit card, reconcile automatically and earn Qantas Points.Customer storyEcre: how a Sydney coffee co-roasting space gets paid by card and earns Qantas PointsSee how Sydney coffee co-roasting space Ecre uses B2Bpay to accept card payments on its Xero invoices at no cost and earn Qantas Points when customers pay.Customer storyHow this tapas bar earns travel rewards for paying its suppliersKipling’s Garage Bar in Turramurra pays its creditors in a weekly bulk pay run through B2Bpay, pays bills from Xero, and uses its Qantas Points for travel and staff incentives.Customer storyHow this real estate company travelled to Port Douglas entirely with Qantas PointsHow Melbourne agency City Residential Real Estate earned over 500,000 Qantas Points making and receiving business payments with B2Bpay.Customer storyHow Amaroo Technologies is taking on bigger business with B2BpayFamily-owned vending business Amaroo Technologies pays its suppliers through B2Bpay, has invoices matched in its bookkeeping software and earns Qantas Points.Customer storyMelbourne City Print & Dinkums Print: how two printing businesses turn payments into family holidaysHow Melbourne printer John Wilson switched from Stripe to B2Bpay, pays nothing to receive card payments on his Xero invoices and uses the Qantas Points he earns for family holidays.Customer storySmall business can have a big impactHoneycomb Agency on why small businesses have the edge, what promotional merchandise can achieve, the shift to personalisation, and how it gets paid with B2Bpay.Customer storyHow Honeycomb Agency quickly and creatively navigated the COVID business slumpA promotional marketing agency shares how it made merchandise work for clients during COVID-19, kept connections strong with remote workers and customers, and gets paid with B2Bpay.Customer storyWhat our customers are sayingRead Google, Xero Marketplace and Facebook reviews from Australian businesses using B2Bpay to pay suppliers by card, get paid faster and earn points.
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