ACH earns you nothing. Except here
Pay by bank and there is no processing fee at all. Pick 1 point per dollar at 1.75%, or 2 points at 3.25%. Your call, on every single payment.
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.
Two tiers. You pick, payment by payment.
| Core | Plus | |
|---|---|---|
| Earn | 1 point per $1 | 2 points per $1 |
| PayRewards fee | 1.75% | 3.25% |
| Service fee | None | None |
This is not a plan you sign up for. It is a choice you make on each payment.
Everything that can earn
If it is a business bill, it can earn. Every rail, every time, no cap.
Rent
Vendor invoices
Subcontractors
Equipment
Advertising invoices
Insurance
Permits
Materials
What $100,000 a month builds
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 |
| PayRewards Points per year | 1,200,000 | 2,400,000 | 1,200,000 | 2,400,000 |
| 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.
Your vendor gets paid the way they want
Delivery
How your vendor gets paid
Your vendor doesn't need an account with us and they don't need to change anything.
One thing to know about a balance
PayRewards Points expire after 18 months with no earning activity. Keep earning and the balance keeps standing.
You don't have to choose now, and that is the point.
Gift cards from 100+ brands. Points to your team. Custom redemptions through our concierge. Or straight back against your next invoice. Airline transfers too, if you want them.
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
Card, ACH, and wire: we can pay it all through PayRewards, and we earn points on every single one.
a 4-minute demo