Compare PayRewards to other bill pay platforms
See how PayRewards stacks up against Melio, BILL, Plastiq, Zil Money, Ramp and Brex, and why only one pays you back in flights, gift cards and invoices.
“PayRewards solved a lot of things for us - cashflow being number one. Now I can upload all my payments at once and know they’ll be paid in two business days. It’s easier, our Vendors are happy, and we’re unlocking travel rewards we’d never have paid for out of pocket.”
Pick your comparison
Bill pay platforms charge you. PayRewards pays you back.
Redeem for almost anything
Transfer to airline partners, pay your next vendor invoice with points, claim 100+ gift cards, or request a custom redemption.
Double dip
Keep 100% of your card’s points and earn PayRewards Points on top, on the same payment.
Earn on ACH
Bank-funded payments earn points too, at 1 or 2 points per $1.
Redemptions. Get more from us.
Every payment earns PayRewards Points, with more ways to spend them than anyone else on this list.
| Redemption | PayRewards | Melio | BILL | Plastiq | Zil Money | Ramp | Brex |
|---|---|---|---|---|---|---|---|
| Flights and travel | Yes | No | Travel credit. Divvy card only | No | No | No | Credit card only. Single earn |
| Airline transfer partners | Yes | No | No | No | No | Credit card only. Single earn | Credit card only. Single earn |
| Gift cards, 100+ brands | Yes | No | Divvy card only | No | No | Credit card only. Single earn | Credit card only. Single earn |
| Pay invoices with points | Yes | No | No | No | No | No | No |
| Luxury redemptions | Yes | No | No | No | No | No | No |
| Gift points to your team | Yes | No | No | No | No | No | No |
Competitor information is based on each company’s own website as of September 29, 2026, and may change. Sources: Melio pay by card, BILL Rewards, BILL Rewards Program terms, Plastiq, Zil Money pay by credit card, Ramp cashback rewards, Redeeming Brex points. PayRewards: PayRewards Points, How to redeem PayRewards Points.
FAQs
What’s the best alternative to BILL or Melio for earning rewards?
If rewards matter to you, look at what each platform lets you redeem. BILL’s rewards come with its own Divvy card, and Melio has no points to redeem. PayRewards earns points on card and ACH payments, and you can redeem them for flights, gift cards, invoices and more.
Can I keep my current rewards card and still use PayRewards?
Yes. You pay your bills with the card you already hold, keep 100% of its points, and earn PayRewards Points on top of the same payment.
Does PayRewards charge a subscription?
No. There are no monthly or annual subscription fees. Every user and every feature is included for $0 a month. Fees apply per payment. See pricing
Do ACH payments earn points?
Yes. Bank-funded payments earn points too, at 1 or 2 points per $1.
Can I use PayRewards alongside Ramp or Brex?
Yes. Keep your corporate card for employee spend and use PayRewards to pay your bills. You earn PayRewards Points on each bill you pay, on top of your card’s own rewards.
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