An Integra Pay alternative that is lower cost
Looking for a lower-cost way to accept card payments than Integra Pay? Here is how B2Bpay compares for businesses that invoice their customers, and why business owners are making the switch.
Is B2Bpay a lower-cost alternative to Integra Pay?
Short answer: For Australian businesses that invoice their customers, often yes. With B2Bpay there is no set-up fee and no transaction fee on top of the card fee, you can be set up within a few days, and you earn Qantas Points for getting paid.** If you show the card fee to your customer, receiving payments costs you nothing.#
"We switched to B2Bpay and can't believe how easy the transition has been. B2Bpay set us up entirely for free, all within a few days. We haven't looked back since!"
Integra Pay vs B2Bpay: which is better for you?
B2Bpay gives you two ways to handle card fees. Integra Pay details are as summarised by B2Bpay when this comparison was written; check Integra Pay's website for its current pricing and terms.
B2Bpay: fee shown to your customer
No cost to you#
- Earn Qantas Points**
- No set-up or monthly costs
- Simple set-up
- Australian-based team to support you
- Set up direct debit payments
- Process payments over the phone
We'll have you receiving online payments in no time.
B2Bpay: you absorb the fee
1.3% to 2.2%, with no transaction fees
- The most competitive pricing on the market
- The same features: Qantas Points, direct debit, phone payments, Australian-based support
We'll have you receiving online payments in no time.
Integra Pay
1.98% to 2.98% plus a 33c transaction fee at the time of comparison
- $110 set-up fee
- E-commerce gateway fee
- Up to 10 business days to get set up
Book a demo and make the switch
Book a demo with our team and we'll show you what B2Bpay can do.
Why businesses choose B2Bpay
One of the main reasons Australian business owners choose B2Bpay is that, if you pass the card processing fee on to your customers, accepting card payments costs you nothing.# B2Bpay sets you up for free, within a few days. And if you choose to absorb the processing fee, the rate is among the most competitive on the market.
The cherry on top: when you accept card payments with B2Bpay, you earn Qantas Points for getting paid. B2Bpay billers earn 1 Qantas Point for every $20 paid to them by Visa or Mastercard.** Make the switch today and earn a well-deserved holiday.
You earn Qantas Points for getting paid
Businesses earn Qantas Points on every eligible business payment they receive. Offering a card payment option helps you get paid faster, while your Qantas Points balance keeps growing.
Quick and easy set-up
You fill out an activation form and we verify some business details. We then set up your payment portal and a payment page featuring your logo, and help you add a payment link to your invoices. There is no messing around with bank or IT changes.
Lower cost, with no transaction fees
If you absorb the card processing fee, B2Bpay has one of the most attractive fee structures on the market. If you pass the fee on, lower processing fees with no transaction fee on top are good news for your customers too.
Pricing for receiving payments
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.
You choose how the fee is handled: absorb it as a business cost, or show it to your customer on the payment page. There is no transaction fee on top. The RBA's rules on passing card costs to customers changed on 1 October 2026, so the team will talk through which option suits your business. See what the RBA surcharge ban means for your business and the pricing page.
Ready to get started?
Start accepting card payments online from your business customers. It's easy, there is no set-up cost, and you get rewarded.**
Why become a B2Bpay biller?
Get paid faster
- Reduce payment chasing by 61%
- Improved cash flow in 73% of businesses
- Reduce bad debt
Save time
- Get paid online, 24/7
- No cross-checking bank statements
- No storing credit card details
- Automatic reconciliation with Xero, MYOB and QuickBooks
No equipment costs
- No hardware fees
- No merchant facility fees
- No monthly charges
Earn Qantas Points
- Earn Qantas Points for receiving eligible business payments**
Easy to implement
- We do it all for you
- No training or merchant facilities required
- No changes to your banking or IT systems
Add card payments to your Xero, MYOB or QuickBooks invoices
Accept credit card payments online directly from your Xero, MYOB or QuickBooks invoices. If you don't use any of these programs, we'll step you through adding a payment link to any invoice.
- ConnectConnect Xero, MYOB or QuickBooks from your B2Bpay dashboard.
- Your customer paysYour customer pays your invoice online.
- You receive the fundsFunds arrive within 3 business days and the payment reconciles automatically in Xero, MYOB or QuickBooks.
- You earn Qantas PointsEarn Qantas Points on eligible payments.**
Get started Book a live demo Call 1300 205 575
Important information
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.
** B2Bpay Billers earn 1 Qantas Point for every $20 of customer payments made using Visa or Mastercard via the Public WebPay 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 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.
^ Members who make payments through B2Bpay earn 1 Qantas Point for every $100 paid and up to 3 Qantas Points per $1.50 paid to B2Bpay Bonus Billers. See the B2Bpay website for the current list of Bonus Billers.
# Receiving payments is at no cost to you when the card processing fee is shown to your customer on the payment page; you can choose to absorb it instead. The RBA's rules on passing card costs to customers changed on 1 October 2026, so talk to the team about the option that suits your business. Current fees are on accept card payments and pricing.
Integra Pay is a trademark of its owner. Integra Pay details are as summarised by B2Bpay at the time of comparison and may have changed; check Integra Pay's website for its current pricing and terms. Customer statistics (61% and 73%) are as published by B2Bpay.
Frequently asked questions
What is the process to get set up?
If you are an Australian business with an ABN and want to receive card payments through B2Bpay, click Get started so we have your details. We will contact you to find out more about your business, email you an activation form and ask for some verification details. Once you are verified, we set you up in our system and build your own branded payment page. Guides are available to add a 'Pay Now' link or stamp to your invoices, and we can step you through it. We will also book a live demo to show you every feature, including setting up customers for direct debit and taking one-off payments over the phone.
How do I earn Qantas Points for getting paid?
There really is no catch. You earn 1 Qantas Point for every $20 paid to you by Visa or Mastercard through your online payment page. You must be a Qantas Business Rewards member; the one-off join fee of $89.50 including GST is normally charged but is waived for B2Bpay customers using B2Bpay's link.
What are the card processing fees?
There is no cost to your business to receive payments when your customers pay the processing fee, unless you choose to absorb it. If you choose to absorb, 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%, with no transaction fee on top. The team will confirm the right option under the RBA rules from 1 October 2026.
How long does it take to get set up?
B2Bpay can usually get you set up within a few days, for free. There are no bank or IT changes to make.
How quickly do I receive my money?
Funds from paid invoices arrive within 3 business days, and the payment reconciles automatically in Xero, MYOB or QuickBooks.
Can I talk to someone?
Of course. Use the chat on this page, call us on 1300 205 575, or book a live demo.
Make the switch to B2Bpay
Get a payment link on your invoices and earn Qantas Points for getting paid.