Using Xero and B2Bpay in your business

Add B2Bpay to the Xero account you already use to pay bills by card, get paid through your invoices, reconcile automatically, and earn Qantas Points along the way.

By the B2Bpay teamUpdated 28 October 20266 min read

The Xero and B2Bpay logos side by side over a blurred grid of app icons

Why use Xero and B2Bpay together?

Short answer: If you already run your books in Xero, connecting B2Bpay lets you pay your Xero bills with any card, add a pay now option to your Xero invoices, have both reconciled in Xero automatically, and earn Qantas Points when you pay and when you get paid. Sign-up takes a few minutes.

Xero lets you manage your finances in one place and track your invoices. Add B2Bpay and the same system becomes a way to be rewarded simply for running your business, while saving time. This article explains how the two work together, how to connect Xero and B2Bpay, and how the points add up.

With Xero's accounting software you can:

See your cash flow in real time on your Mac, PC, tablet or smartphone.
Run your business on the go with the app: invoicing, expense claims and account tracking from your pocket.
Get paid faster with online invoicing that shows you when clients open and pay your invoices.
Reconcile in seconds: Xero imports and categorises your latest bank transactions so you see everything in one place.

Small business owners already swear by Xero. B2Bpay makes the payments side of it even simpler.

B2Bpay is a certified Xero app partner

B2Bpay is a certified Xero app partner and was a finalist in the Xero Awards Australia FY22, Financial Services App of the Year category. As an official app partner, the two platforms work together so you can set up in minutes, and you can get B2Bpay in the Xero App Store.

Xero Awards Australia FY22 graphic: B2Bpay a top 3 finalist for Financial Services App of the Year, a Xero connected app

Connecting the two accounts helps you:

Improve cash flowPay bills by card and keep cash in the business for longer.

Earn more Qantas PointsEarn on the payments you make and on the payments you receive.

Get full points on ATO paymentsPay the ATO and other government payees through B2Bpay and keep earning.

Send branded invoicesPersonalised invoices with your company logo, invoice tracking in Xero and points earning with B2Bpay.

How making and receiving payments works

Making payments

Sign up for B2Bpay using the online form. It only takes a few minutes.
Check your email for your Welcome Email with details on logging in to your account.
Log in, go to your account settings and click ‘Connect to Xero’. Have your Xero details handy.
Once connected, all the bills you have entered in Xero are displayed. Click and pay with any card.
If you like, choose the date you want each bill paid and ‘set and forget’.

The result: your payments are reconciled in Xero automatically.

Receiving payments

Fill in a simple online form to tell us you want to accept credit card payments online.
Once you are set up, log in to B2Bpay and click ‘Connect to Xero’. Have your Xero details to hand.
The ‘pay now’ button on your Xero invoices takes customers to your payment page.
Your customers pay you online with any card, at no cost to you.#

The result: your invoices are updated and reconciled in Xero automatically, and you and your customers earn Qantas Points when you get paid.

Screen-by-screen set-up, including the Payment, Expense and Clearing accounts the integration uses, is in the B2Bpay Xero integration FAQs.

Earning Qantas Points when you pay and get paid

To maximise your points you need a business rewards card and a Qantas Business Rewards membership. Link your accounts to Xero and B2Bpay, then run your business as normal: each payment you make goes through B2Bpay to earn rewards, and you track every payment in Xero. The points B2Bpay gives you are on top of the points from your card provider.

Today, B2Bpay's Earn Plus plan earns 1 B2B Point per $2 paid and Earn Max earns 1 B2B Point per $1, and B2B Points convert to Qantas Points 1:1. You keep your card's own points as well. When you send invoices from Xero linked to your B2Bpay account, you can also earn Qantas Points when customers pay you by Visa or Mastercard. See earning Qantas Points with B2Bpay for current plans, fees and terms, and points maths for worked examples.

Earn rates when this article was first published (April 2023)

The original version of this article quoted these rates. They are kept for reference and are no longer current:

1 Qantas Point for every $7 paid to the ATO Rates at time of publishing (2023). See current rates.
1 Qantas Point for every $10 paid to other billers Rates at time of publishing (2023). See current rates.
Up to 3 Qantas Points per $1.50 paid to B2Bpay Bonus Billers
1 Qantas Point for every $3 paid through the Bank Accelerator program, which it suggested once your card reached its monthly limit Rates at time of publishing (2023). See current rates.
1 Qantas Point per $20 received when clients pay your Xero invoices through B2Bpay

Bank account payments are now part of the standard plans: see how B2B Points work.

Credit cards have limits, so you may eventually reach your monthly maximum. You can keep paying the rest of your bills from your bank account through B2Bpay, and those payments are still recorded in Xero, so you never lose the simplified accounting.

Find out more about how our clients maximise their points with B2Bpay.

Use Fergus, AroFlo or ServiceM8 with Xero?

If you are in the trades and use one of these job management platforms with Xero, connect it to B2Bpay to receive payments at no cost# and earn Qantas Points for getting paid.

Fergus + XeroLearn more

AroFlo + XeroLearn more

ServiceM8 + XeroLearn more

Don't let payment headaches hold your business back. B2Bpay simplifies the payments process, saves time and boosts your cash flow, all while working with Xero. Say goodbye to the stress of managing payments, and earn more Qantas Points along the way.

B2Bpay is the easy, secure way to pay and be rewarded.

# 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.

Frequently asked questions

How secure is B2Bpay?

B2Bpay is a fully secure system, with SSL encryption between our server and your browser. It is PCI Data Security Standard compliant and hosted by Microsoft in Australian data centres. We take cyber security seriously: read is B2Bpay safe?

How do I maximise my points earning?

Use B2Bpay for both making and receiving payments. Xero streamlines your accounting and keeps track of your finances, while B2Bpay earns you points on the bills you pay, including government payments such as the ATO, and on the invoices your customers pay. Make most of your payments by credit card up to your limit, then pay the rest from your bank account through B2Bpay. Current plans and rates are on earning Qantas Points.

Where can I find set-up instructions?

See the full B2Bpay Xero integration FAQs and the guide to paying bills from Xero, MYOB or QuickBooks.

Are payments reconciled in Xero automatically?

Yes. Bills you pay through B2Bpay are marked paid in Xero, and invoices your customers pay through the pay now button are updated and reconciled automatically.

Can I schedule bill payments?

Yes. When you pay a Xero bill in B2Bpay you can choose the date you want it paid, so you can set and forget.