A Pay Advantage alternative with lower costs and more options
Looking for a Pay Advantage alternative? Here is how B2Bpay compares for Australian businesses that invoice their customers: no transaction fee on top of the card fee, Xero, MYOB and QuickBooks integration, and Qantas Points for getting paid.
Is B2Bpay a good alternative to Pay Advantage?
Short answer: For Australian businesses that invoice their customers, often yes. B2Bpay charges no transaction fee on top of the card fee, gives you the option to show the fee to your customer, connects to Xero, MYOB and QuickBooks, and earns you Qantas Points for getting paid.** Set-up is simple and support comes from an Australian-based team.
"We're so glad we got started with B2Bpay. It is now free for us to accept card payments from our clients via our QuickBooks invoices, and the funds are deposited in our bank account within 3 business days."
"Free" here means the card fee is shown to Juliette's customers on the payment page. The RBA's surcharging rules changed on 1 October 2026, so the team will confirm the right set-up for your business. See pricing.
Pay Advantage vs B2Bpay: which is better for you?
B2Bpay gives you two ways to handle card fees. Pay Advantage details are as summarised by B2Bpay when this comparison was written; check Pay Advantage's website for its current pricing and features.
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
- Earn Qantas Points**
- 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.
Pay Advantage
1.87% plus a 33c transaction fee at the time of comparison
- Higher cost option
- Cannot on-charge the fee to your customer
- 1 to 3 business days to get set up
- Australian-based team
- Set up direct debit payments
- Process payments over the phone
Book a demo and make the switch
Book a demo with our team and we'll show you what B2Bpay can do.
Why business owners are choosing B2Bpay
One of the main reasons Australian business owners move from Pay Advantage to B2Bpay is choice over the card fee: if you show the processing fee to your customer, accepting card payments costs you nothing.# B2Bpay also integrates with Xero, MYOB and QuickBooks, which saves time and admin.
The cherry on top: B2Bpay billers earn Qantas Points for getting paid. You earn 1 Qantas Point for every $20 paid to you by Visa or Mastercard.** Make the switch today and put it towards a well-deserved holiday.
You earn Qantas Points for getting paid
You receive Qantas Points on every eligible business payment you receive. Offering a card payment option helps you get paid faster, while your Qantas Points balance keeps growing.
Quick and easy set-up
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 put a payment link on your invoices. No 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 it 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.**
What our customers are saying
"We use B2Bpay so our clients can easily pay us online with any card, which means we get paid faster. Plus, they earn Qantas Points when they pay accounting fees to us."
"Our patients are finding B2Bpay really easy to use. We were not accepting credit cards before and now we are, but at no extra cost to us. I am also able to take credit card payments at my reception desk, which makes life a lot easier."
"B2Bpay is exactly what we needed. We wanted to offer card payments both via a direct debit set-up and once-off, and on-charge the fees. B2Bpay was such a simple set-up and our clients love how easy it is to use. Our Xero invoices automatically showed a 'Pay with B2Bpay' option. I highly recommend!"
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 service 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
It's the no-cost way to 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.
Pay Advantage is a trademark of its owner. Pay Advantage details are as summarised by B2Bpay at the time of comparison and may have changed; check Pay Advantage's website for its current pricing and features. 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 normally applies but is waived for B2Bpay customers who join 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 quickly do I receive my money?
Funds from paid invoices arrive in your bank account 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.