Run it on your own numbers
Enter what you actually pay each month. You’ll get the fees, the points, and the implied cost per point. Then you decide whether it’s worth it.
Welcome to the world’s most rewarding
bill payments platform
Pay bills
Rent, invoices, insurance, subs. Pay by card or bank, and your vendor gets paid the way they want: ACH, check, or wire.
Earn points
1 or 2 PayRewards Points per dollar, on every payment. Your card keeps earning its own points on top.
Redeem
Airline transfers at 1 point to 1 mile, 100+ gift card brands, rewards for your team, or your very next invoice.
Your payments
Enter what you pay out in a year: vendor bills, payroll, rent, taxes.*
Sets the tax-saving estimate: 21% federal + your state's corporate income tax rate.
Pass-through profits are taxed at your individual rate (10–37% federal). Enter your combined federal + state marginal rate.
Advanced: redemption & package
See the maths: Making payments
Date of last update: July 29, 2026
General Disclaimer: This calculator is indicative only and is not providing advice, including financial, tax or legal advice. This calculator is based on a number of assumptions and disclaimers (), and information that may change over time - as such, should be used as a guide only. We do not guarantee the accuracy or the information used in this calculator.
PayRewards believes that the information, relied upon by, and contained in this calculator is accurate as at the date of last update, however no warranty is made as to the accuracy, suitability, usefulness, reliability or completeness of any such information, or that the relevant information is error free. No liability in respect of any errors or omissions (including any third party liability) is accepted by PayRewards, its affiliates, or any director or employee of PayRewards or its affiliates.
Specific disclaimers
* Not all business expenses can be processed via our platform (and in some cases, depending on payment method type), for more details see Payment Rules and Regulations.
> Indicative estimated value of airline points is calculated at 2.4 cents per airline point – this is our estimate of redemption value based on business class flight redemption. Where other redemption options are shown, indicative values of 1.5 cents per point for economy flights, 1.41 cents for gift cards and 1.41 cents for statement credit are applied. Credit card rewards are valued separately at indicative cents-per-point estimates for each card's own rewards currency (cash back at face value). Point valuations are third-party estimates, not guarantees. You may not get this value as redemption value rates vary (depending on airline and flights route/class) and any airline point redemption is subject to availability.
# Tax estimate only – not tax advice. Savings shown assume the PayRewards fee is an ordinary and necessary business expense deductible in the year paid (IRC Sec. 162) and that your business has sufficient taxable income to use the deduction. We apply a 21% federal corporate rate plus the top 2026 corporate income tax rate for your selected state, treating state tax as federally deductible. This assumes a C corporation; pass-through entities (S corporations, partnerships, LLCs and sole proprietors) are taxed at the owner's individual rate and results will differ – if you select Pass-through, we apply the marginal rate you enter instead. States with gross receipts taxes (Nevada, Ohio, Texas, Washington) and states with no corporate income tax (South Dakota, Wyoming) are shown federal-only. Rewards you earn may be treated as a purchase price rebate that reduces your deductible expense, which would lower the saving shown. State rates: Tax Foundation, 2026. Confirm your position with your CPA.
^ PayRewards Points redeemed for airline miles is calculated on a 1:1 transfer rate to our airline transfer partners (Singapore Airlines KrisFlyer and Cathay Pacific Asia Miles). For current partner transfer rates, see here.
† Credit card earn rates are based on publicly available information published by card issuers as at February 20, 2026. Some credit cards have limits on the number of points you can earn, restrictions on earn rate or other restrictions including prohibited payment types. Our calculator does not account for these credit card terms, so actual credit card rewards may vary. Please refer to your credit card terms and conditions for further information.
A worked example at $100,000 a month
Same payments, four ways to fund them. The last two rows are the ones that matter.
| Per month | Card Core 1x | Card Plus 2x | Bank Core 1x | Bank Plus 2x |
|---|---|---|---|---|
| Monthly bill spend | $100,000 | $100,000 | $100,000 | $100,000 |
| PayRewards Points earned | 100,000 | 200,000 | 100,000 | 200,000 |
| Credit card points earned | 100,000 | 100,000 | none | none |
| PayRewards fee | $1,750 | $3,250 | $1,750 | $3,250 |
| Credit card fee | $2,900 | $2,900 | none | none |
| Cost per point (PayRewards) | 4.65c | 3.08c | 1.75c | 1.63c |
| Cost per point (all in) | 2.33c | 2.05c | 1.75c | 1.63c |
The credit card points row and the all-in cost per point assume 1 point per $1 on your own card. Your rate is yours to enter. Payment delivery fees are charged per payment, so a $100,000 month also depends on how many payments it splits across. Fees are generally deductible. PayRewards fees and card processing fees are generally deductible as a business expense on eligible business spend. The calculator lets you enter your own marginal rate. We are not your tax advisor, so confirm it with yours.
And the money hasn't left yet
Pay the vendor on day one. Your card is due when your statement says. Up to 55 days on your own cycle, not credit from us.
Points that pay your next invoice
Redeem PayRewards Points against business bills, not just travel. To our knowledge, no other US business payments platform lets you do that.
The full fee table
Service Fees
Processing fees applied to each payment method
Delivery Fees
Choose how you want your payment delivered to the recipient
PayRewards Points Fees
Earn points on every payment. Choose the tier that suits your business
For me, points has always been about: I’m spending the money anyway, might as well let my bills work for me.
Run it, then decide
No setup fee, no lock-in, and nothing to cancel if the math doesn’t work for you.
a 4-minute demo