B2Bpay pricing and what's included
B2Bpay charges a platform fee per payment and no monthly fee is stated. Visa and Mastercard start at 1.10%, Amex at 2.10%, bank account at 0.50% and PayTo at 0.60% ex GST on Essential, rising on Earn Plus and Earn Max which earn B2B Points.
Essential
Keep your full card points
- Visa / Mastercard1.10%
- American Express2.10%
- Bank account0.50%
- PayTo0.60%
Earn Plus
More rewards on every payment
- Visa / Mastercard2.10%
- American Express3.40%
- Bank account1.00%
- PayTo1.10%
Earn Max
The most points per payment
- Visa / Mastercard2.50%
- American Express3.85%
- Bank account1.87%
- PayTo1.97%
Platform fees ex GST, per payment. No joining fee and no monthly fee is stated. The exact fee is shown before you confirm each payment. Try the points calculator →
What does B2Bpay cost?
Short answer: A platform fee per payment, ex GST, that depends on how you pay and which plan you are on. Visa/Mastercard 1.10% to 2.50%, Amex 2.10% to 3.85%, bank account 0.50% to 1.87%, PayTo 0.60% to 1.97%. No joining fee and no monthly fee is stated.
| 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.
The exact fee is displayed before you confirm every payment. On the Essential plan you keep your full card points but earn no B2B Points. Earn Plus adds 1 B2B Point per $2 and Earn Max adds 1 B2B Point per $1, convertible 1:1 to Qantas or Velocity Points, 2:1 to Avios and 1:2.5 to Luxury Escapes Société Points. You can change plan at any time. The team confirms enterprise pricing for high-volume businesses.
Amex tiered pricing
American Express fees fall as your annual Amex volume through B2Bpay grows. On Essential the rate drops from 2.10% to 1.90% above $1,000,000 a year.
| Amex spend per year | Essential | Earn Plus | Earn Max |
|---|---|---|---|
| $0 - $99,999 | 2.10% | 3.40% | 3.85% |
| $100,000 - $299,000 | 2.05% | 3.35% | 3.80% |
| $300,000 - $499,000 | 2.00% | 3.30% | 3.75% |
| $500,000 - $999,000 | 1.95% | 3.25% | 3.70% |
| $1,000,000+ | 1.90% | 3.20% | 3.65% |
Amex platform fees ex GST. The higher your annual Amex volume through B2Bpay, the lower the rate.
Read more about paying with Amex, including suppliers who do not accept it, at pay with Amex.
Is the fee on top of a card processing fee?
No. A common misconception is that B2Bpay's fee is added to a card processing fee. It is the only fee you pay B2Bpay. It is a platform fee charged by B2Bpay for the service, charged whichever way you pay, including bank account and PayTo.
The fee appears on your tax statement, which you download from the portal, and is generally a business expense. Confirm deductibility with your accountant. Interest on an unpaid card balance is a separate matter between you and your card issuer. See platform fees, GST and tax deductions.
When you receive payments through B2Bpay's biller product, a different fee schedule applies and you can choose to absorb the fee or show it to the customer. See accept card payments.
What is included in the fee?
Instead of paying card costs to a third party for nothing in return, the fee funds a set of benefits for your business.
- Pay anyone by card. Suppliers, the ATO, landlords and utilities that do not accept cards receive EFT or BPAY. Nothing changes for them.
- Full card points plus B2B Points. Payees that earn reduced points when paid directly earn in full through B2Bpay, and Earn plans add B2B Points.
- Cash flow. Up to 55 days interest-free depending on your card and statement cycle.
- Integrations. Xero, MYOB and QuickBooks bills and bank feeds, with payments and fees recorded automatically.
- Australian-based service. One-on-one onboarding and support on 1300 205 575, with your data kept onshore.
- Security. PCI DSS compliance, card tokenisation, verified payee bank accounts.
- Admin tools. Multiple user logins, scheduled and bulk payments, payment history and downloadable tax statements.
Worked examples
Three common payments, using the published rates (ex GST).
| Payment | Essential | Earn Plus | Earn Max |
|---|---|---|---|
| $10,000 BAS on Visa | $110 fee, card points only | $210 fee, 5,000 B2B Points | $250 fee, 10,000 B2B Points |
| $10,000 supplier invoice on Amex | $210 fee, card points only | $340 fee, 5,000 B2B Points | $385 fee, 10,000 B2B Points |
| $10,000 card bill paid by bank account | $50 fee, no points | $100 fee, 5,000 B2B Points | $187 fee, 10,000 B2B Points |
In every card case you also earn your card's own points on $10,000 of spend and hold the cash until your statement is due. Try your own numbers in the points calculator or read points maths.
Who is behind B2Bpay?
B2Bpay is owned and operated by Zenith Payments Pty Ltd, based in Mascot, NSW, and used by more than 40,000 Australian businesses. AFSL 528678 is held by ZenPay Pty Ltd. The platform is PCI DSS compliant and the team is Australian-based.
Ready to see the fee for your business? Sign up, or get started with the team for enterprise pricing.
Frequently asked questions
Are B2Bpay fees GST inclusive?
The published fees are ex GST. GST is added and itemised on your tax statement so you can claim the input tax credit if your business is registered for GST. The fee shown before you confirm a payment makes the GST treatment clear.
Is there a minimum or monthly fee?
No monthly or minimum fee is stated. You pay the platform fee only when you make a payment. If you make no payments in a month, you pay nothing. High-volume businesses can ask the team about enterprise pricing, and Amex rates fall automatically as annual volume grows.
Why is Amex more expensive than Visa or Mastercard?
American Express has higher scheme costs, so its platform fee is higher: 2.10% to 3.85% versus 1.10% to 2.50%. Many Amex cards earn points at a higher rate, which can offset the difference. Amex fees are also tiered by annual volume.
Is the B2Bpay fee tax deductible?
The platform fee is a cost of running your business and is generally deductible. It is itemised on your downloadable tax statement. Deductibility depends on your circumstances, so confirm with your accountant. GST on the fee is itemised too, so GST-registered businesses can claim the input tax credit.
Do the RBA card fee changes affect B2Bpay's fee?
From 1 October 2026 the RBA banned merchants from adding card-triggered fees to customer payments (see rba.gov.au). B2Bpay's fee is a platform fee for the service, charged whichever way you pay, including bank account and PayTo, rather than a charge triggered by using a card. This is general information, not legal advice.
Can I get a lower rate for high volumes?
Amex pricing is tiered automatically by annual volume. For other high-volume or enterprise arrangements, the team confirms pricing for your business. Call 1300 205 575 or use the get started form. Tell the team your monthly volumes and payment mix so they can quote accurately.
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.