A PayPal alternative that is free for Australian businesses
Looking for a payment processor that is Australian based, costs less and does not hold on to your funds? Here is how B2Bpay compares with PayPal for businesses that invoice their customers.
Is B2Bpay a good alternative to PayPal?
Short answer: For Australian businesses that invoice their customers, often yes. B2Bpay is Australian based, settles paid invoices to your bank account automatically within 3 business days, lets you show the card fee to your customer so accepting cards costs you nothing, and earns you Qantas Points for getting paid.**
"We swapped from PayPal to B2Bpay and haven't looked back. It is now free for us to accept card payments from our clients via our Xero invoices, and the funds are deposited in our bank account within 3 business days. The service was set up within a few days and Ray helped us every step of the way."
PayPal vs B2Bpay: which is better for you?
B2Bpay gives you two ways to handle card fees. PayPal details are as summarised by B2Bpay when this comparison was written; check PayPal's website for its current pricing and terms.
B2Bpay: fee shown to your customer
$0 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
The team will 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
- Same features: Qantas Points, direct debit, phone payments, Australian support
PayPal
2.6% to 3.5% plus a 30c transaction fee at the time of comparison
- Higher-cost option
- Overseas-based customer service
- Up to 5 business days to transfer funds
- Funds withheld until the business is verified
- Merchant must log in and transfer funds
- Phone payments keyed in by the merchant incur a monthly fee
Book a demo with the team and they will show you what B2Bpay can do.
Why business owners are leaving PayPal for B2Bpay
The main reason Australian business owners switch is cash flow. Once you are signed up to B2Bpay, the money your customers or clients pay you lands in your bank account within 3 business days. It is automatic: once you are approved and set up, there are no more hoops to jump through to receive your funds.
Clients also value that the team is Australian based. You can call during business hours and emails are answered quickly. The team troubleshoots with you, including screen sharing, so everything is working straight away.
And you earn Qantas Points for getting paid: as a B2Bpay biller you earn 1 Qantas Point for every $20 paid to you by Visa or Mastercard.**
Choose who pays the card fee
You can show the card processing fee to your clients or customers on the payment page, so accepting cards costs you nothing.# If you choose to absorb the fee instead, the rate is among the most competitive on the market.
Australian owned and based
The B2Bpay team is in Sydney. Pick up the phone and talk to the team any time during business hours on 1300 205 575; messages and emails get a quick reply.
Simple accounting and reconciliation
The full invoice amount is settled into your account within 3 business days. If you absorb the card processing fee, it is not taken out of the processed amount; instead B2Bpay invoices you for fees at the end of each month. Integrations with Xero, MYOB and QuickBooks save even more time on reconciliation.
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. 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.
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
- The team does 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, the team will 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.**
See the Xero integration FAQs for set-up detail, or try the example payment page your customers would see.
Ready to switch?
Start accepting card payments online from your business customers
It's easy, there is no set-up cost, and you get rewarded.**
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 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.
PayPal is a trademark of its owner. PayPal details are as summarised by B2Bpay at the time of comparison and may have changed; check PayPal'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 the team has your details. They will contact you to learn about your business, email you an activation form and ask for some verification details. Once you are verified, they set you up and build your own branded payment page. Guides are available to add a 'Pay now' link or stamp to your invoices, and the team will step you through it. They 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 is no catch: you earn Qantas Points when your customers pay you. 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 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%. The team will confirm the right option under the RBA rules from 1 October 2026.
How quickly do I receive my money?
The full invoice amount is settled into your nominated bank account within 3 business days, automatically. If you absorb the fee, it is invoiced to you at the end of the month rather than deducted from the payment.
Can I talk to someone?
Of course. Use the chat on this page, call the team 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.