How B2B Points work
Every eligible business payment through B2Bpay on the Earn Plus or Earn Max plan earns B2B Points, credited 5 days after payment. Convert them to Qantas or Velocity Points 1:1, or to Avios or Luxury Escapes Société Points, on top of your card's points.
How do you earn B2B Points?
Short answer: Pay a business bill through B2Bpay on Earn Max and you earn 1 B2B Point per $1; on Earn Plus, 1 per $2. It works whether you pay by card, bank account or PayTo, and you keep your card's own points as well.
B2Bpay helps Australian businesses manage payments in one place while earning on everyday expenses. Eligible payments include:
- ATO and government payments
- Supplier invoices and contractor payments
- Utilities, insurance, telco and subscriptions
- Rent, strata and everyday operating costs
Payees do not need to accept cards. B2Bpay pays them by EFT or BPAY.
Which plan should you choose?
Choose by how much you value points against the fee. You can change plan any time.
- 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.
| Payment method | Essential No B2B Points | Earn Plus 1 B2B Point per $2 | Earn Max 1 B2B Point per $1 |
|---|---|---|---|
| Visa / Mastercard | 1.10% | 2.10% | 2.50% |
| American Express | 2.10% | 3.40% | 3.85% |
| Bank account | 0.50% | 1.00% | 1.87% |
| PayTo | 0.60% | 1.10% | 1.97% |
Platform fees ex GST, as published at b2bpay.com.au. The exact fee is shown before you confirm each payment.
Amex Essential is tiered down to 1.90% above $1,000,000 a year. For a worked comparison see points maths, or try the calculator.
What can you convert B2B Points to?
Four partners today, with more being added.
| Reward partner | Conversion |
|---|---|
| Qantas Business Rewards | 1 B2B Point = 1 Qantas Point |
| Virgin Australia Business Flyer | 1 B2B Point = 1 Velocity Point |
| Qatar Airways Privilege Club | 2 B2B Points = 1 Avios |
| Luxury Escapes Société | 1 B2B Point = 2.5 Société Points |
Link the partner account inside B2Bpay and convert when you like. Qantas Points require a Qantas Business Rewards membership (join fee waived through B2Bpay's link); Velocity Points require Virgin Australia Business Flyer membership. See Qantas and Velocity.
What does a typical month earn?
A business paying $40,000 a month through B2Bpay on Earn Max earns 40,000 B2B Points a month, or 480,000 a year, plus its card's own points on the same spend.
Say that $40,000 is made up of a $15,000 BAS, $20,000 in supplier invoices to payees who do not take cards, and $5,000 in rent. All three run through B2Bpay on a Visa. The platform fee on Earn Max is 2.50%, so $1,000 ex GST a month. In return the business earns 40,000 B2B Points (40,000 Qantas or Velocity Points) and keeps $40,000 in its account for up to 55 days each cycle.
The same business on Earn Plus pays $840 a month and earns 20,000 B2B Points; on Essential it pays $440 and earns card points only. Those differences are what the plan choice comes down to. Run your own numbers in the points calculator.
The four steps
- Sign up in minutes at points.b2bpay.com.au.
- Make payments. Add suppliers, upload or sync invoices, and pay by card, bank account or PayTo.
- Choose your plan. Essential, Earn Plus or Earn Max.
- Redeem. B2B Points credit 5 days after payment. Link your partner and convert.
Why businesses use B2Bpay
- Earn B2B Points on expenses you already pay, plus full card points.
- Convert to the reward partner of your choice.
- Pay suppliers by card even if they do not accept cards.
- Improve cash flow with up to 55 days interest-free on your card.
- Manage all payments in one platform, with Xero, MYOB and QuickBooks integration.
- PCI DSS compliant, verified payees, Australian-based team.
More than 40,000 Australian businesses pay through B2Bpay. Read how Billy and Paula turned gym franchise expenses into family holidays.
Frequently asked questions
Do I earn B2B Points on bank account payments?
Yes. Bank account and PayTo payments on Earn Plus earn 1 B2B Point per $2, and on Earn Max 1 per $1, at lower fees than card. This includes paying off your credit card through B2Bpay. You do not get the card's interest-free period, but you still earn.
Do B2B Points expire?
B2B Points are held in your B2Bpay account until you convert them. Check the B2Bpay customer terms for current rules on expiry and conversion minimums, and convert regularly if you prefer to hold points with your airline partner. The team on 1300 205 575 can confirm the current terms.
Can I switch plans?
Yes, at any time. Many customers start on Essential to test the platform and move to Earn Plus or Earn Max once they see their volumes. The fee shown before each payment reflects your current plan. Switching does not affect points you have already earned.
Can I split points between partners?
Yes. You choose how many B2B Points to convert and to which linked partner each time, so you could send some to Qantas Business Rewards and some to Virgin Australia Business Flyer, subject to each partner's minimum conversion amounts and increments shown at the time of conversion.
Is there a cap on B2B Points?
No cap is stated on B2B Points earned through the standard Earn Plus and Earn Max plans, so a business paying $500,000 a year on Earn Max earns 500,000 B2B Points. Enterprise or special pricing arrangements may differ; the team confirms the terms for your business.
Start earning on the bills you already pay
Set up takes minutes. Pay your BAS, suppliers and rent by card and keep the cash for up to 55 days.