Frequently asked questions

B2Bpay is a secure online payment platform that lets businesses make payments to suppliers, the ATO and other billers by credit card, debit card, bank account or PayTo, and receive card payments on their invoices, while earning full credit card reward points plus B2B Points. See how B2Bpay works.

B2Bpay is owned and operated by Zenith Payments Pty Ltd, an Australian payments business based in Mascot, NSW. AFSL 528678 is held by ZenPay Pty Ltd. More than 40,000 Australian businesses use B2Bpay, supported by an Australian-based team. Data is kept onshore.

You are rewarded for what every business has to do: paying bills and getting paid. B2Bpay also saves time, helps you track payments, boosts cash flow with up to 55 days interest-free on your card, and cuts data entry with automatic recording to Xero, MYOB and QuickBooks. See why choose B2Bpay.

Yes. B2Bpay is PCI DSS compliant, data is encrypted and kept onshore in Australia, and card details are tokenised so numbers are never stored in full. Payee bank accounts are verified before payments are made. See is B2Bpay safe.

More than 40,000 Australian businesses, from sole traders to multi-site operators across trades, professional services, agencies, property, transport, healthcare and more. Read customer stories from The Shower Man Melbourne, WebEagles and Billy and Paula. Industry pages show how it fits specific sectors.

Browse the guides, call 1300 205 575, or use the get started form and the Australian-based team will walk you through the platform one on one. You can also sign up and explore it yourself. There is no joining fee.

Yes. Registration is quick and there is no joining fee. Once set up you can add billers, make one-off or multiple payments, schedule payments for a future date, track past payments, monitor your points and download reports and tax statements.

Almost all of them. Many billers are already set up to pay, and if yours is not, add a new biller with their bank or BPAY details. B2Bpay forwards your payment by EFT or BPAY, the same way as if you paid them directly. Some restrictions apply under card scheme rules.

Standard card scheme rules apply: you cannot use a credit card to repay finance or credit, to pay yourself or a related business entity, or for unlawful activities. The team confirms eligibility for anything unusual. See payroll, super and what you cannot pay.

Visa, Mastercard and American Express credit and debit cards, Australian bank accounts and PayTo. You can store several payment methods in your wallet and nominate different ones for different billers, for example Amex for supplier invoices and a bank account for paying off the card.

That is one of the main reasons to use B2Bpay. You pay by card and B2Bpay passes the payment to your biller by BPAY or EFT, the same as if you paid them yourself. The biller does not need to accept cards or know B2Bpay is involved. See paying suppliers who don't accept cards.

B2Bpay passes your payment to your biller within 3 business days by EFT or BPAY with the reference you entered. Your payment history shows a settlement date for each payment, which is when the funds reach your biller, so you can tell a supplier exactly when to expect it.

Yes. Make one-off, bulk, future-dated or recurring payments. Recurring payments suit fixed amounts such as rent; future-dated payments suit BAS and invoices with a due date, so you set them up once and are never late. Email reminders are also available if you prefer to approve each payment.

Open the biller in your billers list, choose manage account, and select the bank account you want to use from your wallet. Make sure it matches the account linked in your accounting software so payments are recorded correctly. Future payments to that biller then come from the bank account.

Yes. Add your landlord, agent or strata manager using their BPAY code or bank details and pay by card. Recurring payments keep rent on time every month. See pay rent with a credit card. Council rates and property insurance work the same way.

Yes. Paying BPAY from a credit card through your bank is often treated as a cash advance; through B2Bpay it is a standard purchase, so you earn full points. Add the biller with the BPAY code and your reference. See how to pay BPAY by card.

Your payment history shows every payment with processing and settlement dates, filterable by month or financial year. You can download your tax statement from the portal and export payment history if you need to record payments manually. Filters by processing or settlement date help with month-end checks.

A platform fee per payment, ex GST, and no monthly fee stated. Visa/Mastercard 1.10% Essential, 2.10% Earn Plus, 2.50% Earn Max; Amex 2.10%, 3.40%, 3.85%; bank account 0.50%, 1.00%, 1.87%; PayTo 0.60%, 1.10%, 1.97%. The fee is displayed before you confirm. See pricing.

No monthly or account-keeping fee is stated. You pay the platform fee on each payment you make, shown before you confirm, so a month with no payments costs nothing. The team confirms enterprise pricing for high-volume businesses. There is no joining fee either.

No. The platform fee is the only fee you pay B2Bpay; there is no separate card processing fee underneath it. It is a platform fee for the service, charged whichever way you pay, including bank account and PayTo, and it is itemised on your tax statement.

The platform fee is a cost of running your business and is generally deductible. It is itemised with GST on the tax statement you download from the portal. Confirm the treatment with your accountant. See platform fees, GST and tax deductions.

American Express has higher scheme costs, so its platform fee is higher than Visa and Mastercard. Amex pricing is tiered by annual volume, falling to 1.90% on Essential above $1,000,000 a year. See pay with Amex. Many Amex cards earn points at a higher rate, which can offset the difference.

From 1 October 2026 the RBA banned merchants from adding card-triggered fees to customer payments (see rba.gov.au). B2Bpay's fee is a platform fee for the service, charged whichever way you pay, including bank account and PayTo, rather than a charge triggered by using a card. This is general information, not legal advice.

Download it from the portal. It itemises every platform fee with GST for your BAS and year-end accounts. If you have connected Xero, MYOB or QuickBooks, fees are also recorded to your nominated expense account automatically. Keep it with your other records for your accountant.

Use a card with a rewards program and you earn its points on every payment through B2Bpay, as per your card's terms, just like everyday purchases. Because you are paying B2Bpay, payees such as the ATO, government, telco, insurance and utilities earn at the full rate rather than the reduced rate many issuers apply to direct payments.

B2Bpay's own reward points, earned on eligible payments on the Earn Plus (1 per $2) and Earn Max (1 per $1) plans. They credit 5 days after payment and convert to Qantas Points, Velocity Points, Avios or Luxury Escapes Société Points. See B2B Points.

Essential keeps your full card points with no B2B Points at the lowest fee. Earn Plus adds 1 B2B Point per $2 paid. Earn Max adds 1 B2B Point per $1 paid. You can change plan at any time. See how points work.

Qantas Business Rewards (1 B2B Point = 1 Qantas Point), Virgin Australia Business Flyer (1 B2B Point = 1 Velocity Point), Qatar Airways Privilege Club (2 B2B Points = 1 Avios) and Luxury Escapes Société (1 B2B Point = 2.5 Société Points). More partners are being added.

Convert B2B Points to a linked Qantas Business Rewards account at 1:1, or sign up to the Qantas pathway at earn.b2bpay.com.au, where Qantas Points credit by the 14th of the following month. Either way you need a Qantas Business Rewards membership. See B2B Points to Qantas Points.

Yes, to receive Qantas Points. Membership needs an active ABN and the join fee is waived through B2Bpay's link. Save the same ABN in your B2Bpay profile so points can be matched to your account. Learn more at Qantas Business Rewards.

Link your Virgin Australia Business Flyer account in B2Bpay and convert B2B Points at 1:1. Velocity Points are allocated within 30 days. Membership is free for businesses with an ABN or ACN. See earn Velocity Points. Convert as often as you like once you meet the partner minimum.

B2B Points credit to your account 5 days after the payment is processed. Qantas Points via the Qantas pathway credit by the 14th of the following month. Converted points follow each partner's timing. Your card's own points follow your card issuer's cycle.

Card points are redeemed through your card issuer's program. B2B Points are converted in B2Bpay to your linked partner, then redeemed with that partner for flights, upgrades, hotels, car hire and more under its terms. Check each partner's terms for minimum balances and redemption options.

Yes, B2B Points on the Earn plans: 1 per $2 on Earn Plus, 1 per $1 on Earn Max. There is no card involved so no card points, but the fee is lower. Paying your credit card bill through B2Bpay by bank account is a common way to earn twice.

On Earn Max every $1 earns 1 B2B Point, so $200,000 of annual spend earns 200,000 B2B Points (200,000 Qantas or Velocity Points) plus your card's points. Try the points calculator or read points maths. Add your card's own earn rate for the full picture.

Yes. Add the ATO as a payee with your payment reference number (PRN) and pay by card, bank account or PayTo. B2Bpay pays the ATO by bank transfer using your PRN. BAS, GST, PAYG, income tax and FBT are all eligible business payments. See pay the ATO by credit card.

Yes. The ATO states that after 30 June 2027 you will no longer be able to use a credit card to make payments to the ATO directly (see ato.gov.au). Paying through B2Bpay is not affected because the ATO receives a bank transfer. See keep paying the ATO by card.

Yes. Paid directly, ATO payments often earn reduced or zero points. Paid through B2Bpay the charge on your card is ordinary business spend, so points accrue at your card's standard rate under its terms, plus B2B Points on the Earn plans. See full points for paying the ATO.

The ATO currently charges no card fee. B2Bpay's platform fee applies to payments through B2Bpay and is shown before you confirm. It is a platform fee for the service, charged whichever way you pay, and is generally a business expense; confirm with your accountant.

Allow up to 3 business days for settlement, so schedule ATO payments at least a few business days before the due date, and earlier around public holidays. Future-dated payments let you set it up when you lodge your BAS and forget about it.

Once connected, all your approved bills appear in B2Bpay via a direct feed from Xero, MYOB or QuickBooks, ready to pay. Every payment and fee is recorded back automatically, saving data entry and reconciliation time. It also means your fees are recorded to the right expense account without manual entry.

Log in to B2Bpay, choose your software and follow the prompts to authorise access. Select a Payment Account (the card or bank account you pay with) and an Expense Account for fees. Add a card to your wallet and you are ready to pay bills. See the Xero integration FAQs.

A virtual account created in your accounting software when you connect. For each payment it holds three entries: the total charged to your card, the bill amount (to mark the bill paid) and the fee (recorded as an expense). You do not need to reconcile inside the clearing account.

Very little. The integration records and reconciles the bill payment and the fee. You reconcile the total transaction in your Payment Account when the card statement line arrives, by matching it or marking it as reconciled. Bulk reconciliation is available if you prefer to do it periodically.

Yes. Link each card in your wallet to a different Payment Account in your software so payments are recorded against the right card. You can change links at any time from your wallet, and choose which card to use when you select bills to pay.

No. You simply receive an EFT or BPAY payment. Registering as a biller gives you your own payment link, a secure login to track payments, downloadable reports and the ability to earn Qantas Points when customers pay by card. There is no setup fee stated.

Sign up as a biller and add the B2Bpay payment link to your invoices from Xero, MYOB, QuickBooks or any template. Customers pay on a secure branded page and funds arrive by EFT within 3 business days. See accept card payments.

A biller that offers customers extra Qantas Points for paying through B2Bpay, as a ready-made loyalty program. There are three levels: Silver (1 Qantas Point per $1.50), Gold (2 per $1.50) and Black (3 per $1.50). Call 1300 205 575 to ask about becoming one.

Earn Qantas Points when customers pay you by Visa or Mastercard through your B2Bpay payment link, under the Qantas pathway and Qantas Business Rewards terms. Connect your accounting software to add the link to invoices automatically. You need a Qantas Business Rewards membership with your ABN saved in your biller profile.

BPAY payments arrive with the customer's reference number; EFT payments arrive individually with the customer's reference. With Xero, MYOB or QuickBooks connected, each payment is recorded against the invoice automatically. Your biller login lists every payment. The Australian-based team can help set up the best reconciliation option for you.

You never handle cards. B2Bpay accepts the card payment on its secure page and passes the funds to you by BPAY or EFT with a reference, so your customers get another way to pay without you changing invoicing or banking processes or seeing card numbers.

Yes. B2Bpay supports multiple user logins, so your bookkeeper, accountant or finance team can work in the same account with their own credentials rather than sharing a password. This suits practices that run B2Bpay for clients as well as businesses with a finance team.

No. Cards are tokenised, so full card numbers are never stored or displayed in full; a token is used for each payment instead. B2Bpay is PCI DSS compliant and data is kept onshore in Australia with an Australian-based team. Payee bank accounts are verified too.

Payee bank account details are verified before payments are made, and your payment history shows exactly where each payment went and when it settled. If you change a supplier's details, verification applies again, which helps guard against invoice fraud and typing errors.

Yes. Existing customers use their current login details. Choose a plan, link a reward partner and start earning B2B Points without creating a new profile or re-entering payees and cards. Your payment history and integrations carry across unchanged. Nothing needs to be set up twice.

Call 1300 205 575 to reach the Australian-based team, or use the get started form. The team helps with setup, payee details, ATO payment references, accounting integrations and reconciliation, and offers one-on-one onboarding for new customers. There is no extra charge for support.