Pay business expenses with Visa and earn points

Can you pay any business bill with a Visa card?

Short answer: Yes. Through B2Bpay you can pay almost any Australian business bill with your Visa card. B2Bpay charges your card and pays the payee by bank transfer or BPAY, so it works even where cards are not accepted.

Visa is accepted by more merchants than any other card, but a lot of business spend still sits outside the card network: trade suppliers who invoice by EFT, landlords, strata, council rates, insurers, and the ATO. Paying those by bank transfer earns nothing.

B2Bpay brings them back onto your card. You add the payee once, pay with Visa, and they receive a normal bank payment with your reference, usually within 3 business days. Mastercard works exactly the same way, at the same fees.

See paying suppliers with a credit card for how the mechanics work end to end.

Do you earn full Visa reward points?

Yes. Payments through B2Bpay earn points at your Visa card's standard rate, under your issuer's rewards terms. B2Bpay does not reduce them.

When you pay the ATO, government bodies, utilities or insurers directly, many issuers categorise the spend as low or zero points. Through B2Bpay the payment is ordinary business spend on your card, so you earn the full rate.

Then B2Bpay adds B2B Points on the Earn plans:

• Essential - keep your full card points, no B2B Points. Lowest platform fee.
• Earn Plus - full card points plus 1 B2B Point per $2 paid.
• Earn Max - full card points plus 1 B2B Point per $1 paid.

1 B2B Point = 1 Qantas Point = 1 Velocity Point. 2 B2B Points = 1 Avios. 1 B2B Point = 2.5 Luxury Escapes Société Points. Estimate your earn with the points calculator.

What does it cost to pay with Visa?

Visa and Mastercard platform fees are 1.10% on Essential, 2.10% on Earn Plus and 2.50% on Earn Max, ex GST.

Platform fees ex GST, as published at b2bpay.com.au. The exact fee is shown before you confirm each payment.

The fee is a platform fee charged by B2Bpay for the service, shown on your tax statement and generally a business expense (confirm with your accountant). There is no monthly fee stated. Full detail is on pricing and what's included.

How does paying with Visa improve cash flow?

Your supplier is paid within days while the amount sits on your Visa until the statement due date. Depending on your card and statement cycle that is up to 55 days interest-free.

To keep the days interest-free, pay the statement balance in full by the due date. You can pay your Visa bill through B2Bpay by bank account or PayTo and earn B2B Points on that payment as well, so both legs of the cycle earn.

Read 55 days interest-free cash flow for how to line up payment dates with your statement.

How to pay a BPAY bill with Visa

Register for B2Bpay (it takes a few minutes), then follow these steps for any bill that shows a BPAY logo.

1. Find the BPAY biller code and your customer reference number on the bill.
2. Log in to B2Bpay and add a new biller using the BPAY code.
3. Enter the amount and reference, select your Visa card, and confirm.
4. B2Bpay makes the BPAY payment for you. You earn your full Visa points and any B2B Points for your plan.

For payees without BPAY, add their BSB and account number and B2Bpay pays by EFT. See how to pay BPAY with a credit card.

How it works, step by step

1. Sign up at points.b2bpay.com.au. There is no monthly fee stated; you pay a platform fee per payment.
2. Add your payees - suppliers, the ATO, your landlord, utilities - or connect Xero, MYOB or QuickBooks so your bills load automatically.
3. Pay by card, bank account or PayTo. Make one-off, bulk, scheduled or recurring payments.
4. B2Bpay pays your payee by bank transfer (EFT) or BPAY, normally within 3 business days. You keep your full card points and earn B2B Points on the Earn Plus and Earn Max plans.

Connecting Xero, MYOB or QuickBooks lets you pay approved bills from one screen and have payments recorded automatically. Questions? Call 1300 205 575 or get started.