How it works
Making the most of your business expenses
Pay an invoice
with points.
Earn points on every business expense, then apply them straight against your next invoice.
Free to sign up. Pay per transaction. For US businesses with an EIN.
$12.5B+
Invoices paid
80,000+
Businesses served
10.5B+
Points redeemed
PAID WITH POINTS
Total to pay $10,000
PayRewards Points – 714,286
Balance due $0
The rewards program that works as hard as you do
Bills you’re already paying
Make payments by card or bank transfer. We process the payment and send the funds securely to your vendors, by ACH, wire or check.
Double your rewards
One payment, earning twice. Your card earns as normal. PayRewards Points stack on top, at 1 or 2 points per dollar. Bank payments earn too.
Points that redeem
for anything
Invoice credit, airline transfers, gift cards, team rewards, or a custom redemption through concierge.
Pay an invoice with points.
No minimum volume.
No travel required. No pile of unused points. Just invoices, paid.
Account
John Smith
Last 30 Days
782,239 Points
Cash flow protected
Cover a bill with points and keep your cash free for equipment, stock, or your next hire. Your bills are paid, your cash stays where it's earning, and your accountant is happy.
1,358,225 pts
Not traveling right now?
Focused on the bottom line rather than business class? Invest your points right back into the business and the value shows up this month.
Kelly’s Supplies$15,000.00
Sam’s Shop$15,000.00
Berry’s Nursery$15,000.00
Michael’s Supplies$5,000.00
Total to pay$8,467.00
Kelly’s Supplies$15,000.00
Sam’s Shop$15,000.00
Berry’s Nursery$15,000.00
Michael’s Supplies$5,000.00
Total to pay$8,467.00
Kelly’s Supplies$15,000.00
Sam’s Shop$8,000.00
Berry’s Nursery$15,000.00
PayRewards Points– 639,489
Total to pay$8,467.00
Put your Points to work
You've booked the trip. Sorted the team's gift cards. And the points keep stacking up. Redeem your points for invoice credit and reduce your payables rather than holding a balance.
What a point is worth in invoice credit
When you spend $100,000, that translates to $1,400 in invoice credit
1.4c /point
Fixed. Same today as next quarter. No award chart to read.
Every point is worth the same, whatever the bill and whenever you use it.
Clear a bill of
Points required
714,286 Points
Invoice total $10,000.00
Invoice credit at 1.4c / point $10,000.00
Balance to pay $0.00
Points clear the bill in full. Nothing left to settle by card or bank
Illustrative only. Not financial or tax advice. Consult your tax advisor. Redemption values vary by redemption type and, for airline transfers, by cabin, route and award availability. Break-even figures referenced assume the stated fee rates, an illustrative 25% marginal rate on fee deductibility, and 1 point per dollar on your own card. Card earn rates vary by card, issuer and spend category. Fee deductibility varies by entity type, state and circumstance. Delivery fees are additional where wire or check is selected.
Bills that qualify
Vendor invoices
Contractor payments
Business rent
Permits and licenses
Equipment and capital goods
Some categories can’t be processed. See our payment rules and regulations for the full list.
“The rewards are incredibly flexible. They’re the best rewards program we’ve used across our business, and we’re earning points on expenses we’d be paying anyway.”
Stephen Shillington
McDonald’s Franchisee & National Marketing Co-Chair
Start earning rewards in 5 minutes
HardCo Materials LLC$7,263.00
SENT
Lone Star Solutions$8,521.00
SENT
PayRewards120,000 Points
RECEIVED
A bill you need to pay
A real invoice with an amount on it. Rent, a vendor bill, equipment. Start with a live one, not a test.
Amex
Mastercard
Visa
Credit card or bank account
Visa, Mastercard or Amex, or connect your bank account instantly and securely through Plaid.
1,358,225 → 1,458,225 pts
Double dip on points
Earn PayRewards Points and your credit card program’s points.
Your business payments, extra secure
Bank-grade verification, tokenized card data and fraud monitoring on every payment.
Payment verification
We use advanced technology for bank account and card verification.
Tokenized data
No card numbers stored, only secure tokens for every payment.
Settlement accounts
Authorized payments are held in dedicated settlement accounts.
Fraud detection
Suspicious activity is flagged instantly, to help stop fraud early.
Questions worth asking.
Can I use points to pay any bill?
Any payment you make through PayRewards that falls inside our payment rules. If the bill qualifies for payment, it qualifies for invoice credit.
Whole invoice, or part of it?
Either. Apply as much of your balance as you want and settle the remainder by card or bank. Partial redemptions are the normal case.
What does it cost?
Opening an account is free, with no minimum. Card payments carry a 2.9% service fee. Bank payments carry no service fee. The PayRewards fee is 1.75% or 3.25% depending on your earn rate, and it's optional on card payments. Wire delivery is $16, check delivery is $5.
Do points expire?
After 18 months without earning activity. Make any payment through PayRewards inside that window and your balance stays live.
You're already paying these bills.
Start earning on them this week, then decide how to use your points. Free to open, pay per transaction, no hidden fees, no lock-in.
Kelly’s Supplies$15,000.00
Sam’s Shop$15,000.00
Berry’s Nursery$15,000.00
Michael’s Supplies$5,000.00
Pay.com.au+ 120,000 Points
Kelly’s Supplies$15,000.00
Sam’s Shop$8,000.00
Berry’s Nursery$15,000.00
Michael’s Supplies$5,000.00
PayRewards+ 120,000 Points
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