A Pinch Payments alternative that costs less
Looking for a lower-cost way to accept card payments than Pinch Payments? Here is how B2Bpay compares for businesses that invoice their customers, and why business owners are making the switch.
Is B2Bpay a good alternative to Pinch Payments?
Short answer: For Australian businesses that invoice their customers, often yes. With B2Bpay there is no cost to you when the card fee is shown to your customer,# no transaction fee on top if you absorb it, set-up within a few days, funds in your account within 3 business days, and Qantas Points for getting paid.**
"We're so glad we started using B2Bpay to accept card payments. It was easy to get started, cost us nothing to implement and we don't pay any transaction fees. Plus, we're now able to integrate with our MYOB invoices which has saved us a lot of admin. I'm now getting my clients to start using it too."
Pinch Payments vs B2Bpay: which is better for you?
Both B2Bpay and Pinch Payments let you either pass the card fee on to your customer or absorb it yourself. Here is how the two compare. Pinch Payments details are as summarised by B2Bpay when this comparison was written; check Pinch Payments' website for its current pricing and terms.
| B2Bpay | Pinch Payments | |
|---|---|---|
| If the fee is passed to your customer | $0 to you# | $0 pass-on option, with higher fees for your customers |
| If you absorb the card fee | 1.3% to 2.2%, with no transaction fees | 2.5% to 3.3% |
| Transaction fee on top | None | 30c per transaction |
| Time to get set up | Within a few days, set up for free | Up to 10 business days |
| Qantas Points for getting paid | Yes, 1 Qantas Point per $20 paid by Visa or Mastercard** | Not part of the comparison |
| Australian-based support team | Yes | Yes |
| Direct debit payments | Yes | Yes |
| Payments over the phone | Yes | Yes |
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 for free 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 and phone payments
- Fees are invoiced monthly, not taken out of your payments
Make the switch: book a demo Get started
Book a demo and the team will show you what B2Bpay can do.
Why business owners are choosing B2Bpay
One of the main reasons Australian business owners choose B2Bpay is that if you pass the card processing fee on, accepting card payments costs you nothing.# B2Bpay also sets you up for free, within just a few days.
The cherry on top: 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 and put those points towards a well-deserved holiday.
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. Full detail is on 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
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, 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.
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!"
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.**
Sign up 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.
Pinch Payments is a trademark of its owner. Pinch Payments details are as summarised by B2Bpay at the time of comparison and may have changed; check Pinch Payments' 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 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 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%. There is no transaction fee on top. The team will confirm the right option under the RBA rules from 1 October 2026.
How is B2Bpay cheaper than Pinch Payments?
In B2Bpay's comparison, Pinch Payments charged 2.5% to 3.3% plus a 30c transaction fee when you absorb card fees. B2Bpay's absorbed card fees are 1.3% to 2.2%, with no transaction fees. Check Pinch Payments' website for its current pricing.
How quickly do I receive my money?
The full invoice amount is settled into your account within 3 business days. If you absorb the card fee, it is not deducted from the payment; B2Bpay invoices you for fees at the end of each month.
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.