Whether you’re an advertising agency or a business paying monthly media costs, RewardPay allows you to earn credit card reward points on expenses that traditionally don’t accept card payments. Instead of paying Google, Meta, Bing, or offline media suppliers directly from your bank account, you can switch to invoice-based payments and settle those invoices through RewardPay using your credit card.
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Paying media costs with your credit card can improve cash flow by giving you extra days before the funds leave your account. At the same time, you earn valuable credit card reward points on every payment AND can choose to earn extra loyalty partner points on every payment on top.
Pay 5 client media invoices of $50,000 each month on an American Express Platinum Business Card via RewardPay and you’re spending $250,000 a month or $3 million a year.
At up to 2.25 Membership Rewards points per $1, that earns around 562,500 MR points per month — or 6.7 million MR points annually — enough for 10 return business‑class flights, from payments you’re already making.*
Estimated Annual Amex Points* After 12 Months
6,744,000*Estimated points are illustrative only and correct at time of writing. Actual points earned may vary depending on your Card type, eligible spend, and American Express terms and conditions. Flight redemption estimates are indicative only and subject to airline rewards pricing and availability.
Return Business Class Classic Rewards
320,000 Qantas Points
Return Business Class Partner Reward Seat
204,000 Velocity Points
Premium Accor Hotel Stay 7 nights
200,000 ALL Accor Reward Points
Return Business Class Partner Flight Reward
164,000 Velocity Points
Return Business Class Classic Rewards
320,000 Qantas Points
Return Business Class Partner Reward Seat
204,000 Velocity Points
Premium Accor Hotel Stay 7 nights
200,000 ALL Accor Reward Points
Return Business Class Partner Flight Reward
164,000 Velocity Points
Paying business expenses like marketing & advertising costs with your credit card via RewardPay will allow you to earn points on necessary spend.
Add your payment information as detailed on your invoice
Select your payment method (Amex, Mastercard, Visa, Pay by Bank)
RewardPay pays the supplier on your behalf
Your credit card is charged, earning points
Receive confirmation and remittance for your accounting records
Google and Meta are increasingly shifting advertisers to invoicing or direct debit, removing the option to pay by credit card. RewardPay bridges this gap by letting you pay any marketing related invoice with your credit card, so you continue earning frequent flyer points, business rewards points, or cashback depending on your card. This applies to: Google Ads, Meta Ads, Bing/Microsoft Ads, TikTok Ads, outdoor, radio, TV, print, influencer invoices, freelancer, or contractor invoices & more.
Using a credit card through RewardPay creates a valuable buffer between when media bills are due and when cash actually leaves your business. With up to 55 days interest‑free on cards like Amex (depending on your billing cycle), you can pay large media invoices while keeping cash on hand — whether that’s waiting for client payments, funding growth, or managing campaign spikes. This interest‑free float is especially valuable for agencies, advertisers with large media budgets, and campaign or seasonal businesses, offering flexibility that traditional loans or overdrafts can’t match.
Go beyond your credit card rewards. With RewardPay, you can top up your Partner Points on every business payment you make. Choose to earn extra Qantas Points, Velocity Points, or ALL Accor Points—exactly when you need them—to secure a business or first‑class flight, or a luxury hotel stay for yourself, your family, or your team. You’re not limited to just one rewards partner. With RewardPay, you can boost points across all three programs with every eligible payment and truly maximise your rewards.
Typically 1.25%–2.15% depending on card type
RewardPay is regulated and provides full audit trails
Invoice must be legitimate and payable to an ABN-registered supplier
Typically next business day, depending on cut-off times
AMEX fee from 2.15%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
AMEX fee from 2.05%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
AMEX fee from 1.90%
Mastercard fee from 1.25%
Visa fee from 1.25%
Bank Payment from 0.5%†
RewardPay processing rates may be tax deductible for businesses - please consult your accountant • *Quarterly billing in advance • No early exit • Cancel anytime, access until current quarter ends • ^First 30 days free – new sign-ups only • †Minimum rate based on loyalty partner selected at checkout
 Qantas Points | 1 point per $4(0.50% + GST) | 1 point per $2(0.99% + GST) | 1 point per $1(1.80% + GST) | 2 points per $1(3.6% + GST) |
 Velocity Points | 1 point per $4(0.50% + GST) | 1 point per $2(0.99% + GST) | 1 point per $1(1.80% + GST) | 2 points per $1(3.6% + GST) |
 ALL Accor Reward Points | 1 point per $2(1.80% + GST) | 1 point per $1(3.60% + GST) | ||
 Luxury Escapes Société Points | 3 points per $1(1.64% + GST) | 6 points per $1(3.28% + GST) |
RewardPay turns everyday business expenses into high‑value rewards while providing the trust, reliability, and performance needed for commercial payments.
A decade‑long partnership with American Express, now operating across both Australia and New Zealand.
RewardPay works with and is recognised by major payment networks and loyalty brands including American Express, Visa , Mastercard, Qantas, Virgin, Accor and Luxury Escapes.
RewardPay processes millions of dollars in business payments every month through a PCI‑compliant, encrypted platform, ensuring safe, fast, fraud‑resistant transactions for businesses of all sizes.
RewardPay’s easy, intuitive payment portal is built specifically for small business owners, with an Australian based support team always ready to help.
For businesses spending $50,000+ per annum on Media spend this can translate into thousands of dollars in annual value.
Redeem points for flights with loyalty partners including Qantas Business Rewards and Virgin Australia Business Flyer
Redeem points on hotel stays with loyalty partners including ALL Accor, Luxury Escapes, Qantas Business Rewards and Virgin Australia Business Flyer
Redeem points from credit card loyalty programs, or transfer points to loyalty partner programs to purchase gifts
Upgrade your home, office or both using rewards earned from business payments made through RewardPay.
| Yes. Marketing is a supported expense category on RewardPay. You can use RewardPay to pay advertising agencies, media buyers, digital platforms, graphic designers and other marketing suppliers. Your supplier receives payment directly into their Australian bank account as a standard bank transfer. You will need their ABN, BSB, bank account number and a payment reference to set them up as a payee. |
Yes. All payment methods are eligible to earn loyalty points. Amex payments earn your card’s standard Membership Rewards points, while Visa and Mastercard payments earn your card’s standard rewards points. On any payment method, you can also opt in to earn additional rewards with one of our loyalty partners by selecting your preferred earn tier at checkout (additional fees apply).
From the RewardPay portal, go to the Payees menu and click Add Payee. Enter your supplier’s ABN, their BSB and Australian bank account number, and a payment reference such as your account number or invoice number. Once saved, they will appear in your payee list for future payments. Suppliers do not need to be notified or take any action.
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