Pay any business bill by credit card
Your landlord. Your equipment dealer. Your subcontractor. Your insurer. The permit office. Most of them will only take a check or a bank transfer, and none of them will take your card.
Put the bill on your card anyway. They get paid the way they already get paid, and you earn on money you were spending regardless.
2.9% card service fee per paymentSee pricing
“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.”
Which business bills can you pay with a credit card?
Almost any of them, and the business you are paying does not have to accept cards.
You charge your Visa, Mastercard or American Express. PayRewards pays the other party by ACH, domestic wire or paper check, whichever they already take. The money arrives in their own bank account like any other transfer. They do not need a PayRewards account and nothing changes at their end.
Rent, supplier invoices, subcontractors, insurance premiums, permits, software renewals, advertising spend, vehicle costs and membership fees all go on a card this way. So do business taxes.
It is the payment you were making anyway. The difference is that it now earns your card’s points, and PayRewards Points on top.
Start with the bill in front of you
Twelve of the places a business hands money over every month. Pick the one you’re paying.
The list isn’t exhaustive. If they take a check or a bank transfer, you can usually put it on a card: landlords, wholesalers, trade suppliers, government offices, professional firms. See who you can pay →
Three steps, one charge on your card
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Add the payee
For ACH or a wire, you’ll need their routing number, account number and account type. For a check, just their mailing address. You enter it once and it’s saved.
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Charge your card
Choose your points tier at checkout.
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We pay them
By ACH, domestic wire or paper check. Most payments land in 1 to 2 business days. A check takes 4 to 7. See payment processing times →
Connect QuickBooks Online and your unpaid bills import straight in. Select the ones you want, pay them here, and the payments push back to your books. See the QuickBooks integration →
Earn twice on the same payment
Your card keeps earning
Visa, Mastercard and American Express. Whatever your card earns today, it earns on this. Your points, your miles, your cashback, your program. We don’t touch it and we don’t replace it.
PayRewards Points on top
A second currency on the same payment. Pick the tier that suits how much you spend and how hard you want it working. Transfer them to an airline, spend them on gift cards, pass them to your team, or put them against your next invoice.
See what your spend is worth
Put your own numbers in and see what comes back.
Your card’s billing cycle, working for you
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Today, you pay the bill
Charge it to your card. We pay your payee by ACH, wire or check. Most payments land in 1 to 2 business days. A check takes 4 to 7.
Up to 55 days
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When your card is due, your cash leaves
Up to 55 days later, on your own cycle. That is your card issuer’s billing cycle, not credit from PayRewards.
What it costs
The fee buys you two things: a payment your payee will actually accept, and points on money that earned you nothing before.
Pick your tier when you pay. It applies to that payment, not to a plan.
See full pricing →Service fee
Card payments
Visa, Mastercard and American Express
2.9%
per transaction
Points tier
Core
Earn rewards at a lower fee rate
1.75%
fee per transaction
1 point per $1
Points tier
Plus
Maximize your rewards earnings
3.25%
fee per transaction
2 points per $1
Whether it’s worth it depends on your card and your numbers. Run yours through the calculator →
Up to 55 days reflects your own card issuer’s billing cycle, not credit from PayRewards. PayRewards is for the bills you can’t put on a card any other way.
Redeem the points on your own terms
Four ways out, and you choose which.
Airline transfers
One point to one mile with our transfer partners.
Gift cards
More than 100 brands.
Your team
Move points to employees as a reward.
Your next invoice
Put points against what you owe.
Transfer PayRewards Points to our airline and hotel partners
With direct transfers, it's easy to fly on PayRewards Points — including U.S. domestic routes.
Your business payments, extra secure
You’ll need an active business EIN and an executive or beneficial owner to complete onboarding. It takes about five minutes.
Payment verification
We check the bank account and the card before any money moves.
Tokenized data
We never store your card number. Only a secure token for each payment.
Settlement accounts
Authorized payments sit in dedicated settlement accounts until they are sent.
Fraud detection
Every payment is monitored, and anything unusual gets flagged straight away.
FAQs
Does my vendor need a PayRewards account?
No. They receive an ACH deposit, a domestic wire or a check, into the same bank account they already use. There’s nothing for them to sign up to and no fee on their side. If you turn on remittance advice, they get an email once the payment is processed with the bill details and the amount.
What if my vendor charges a surcharge for cards?
It doesn’t come up. Your vendor isn’t being paid by card. We pull the funds from your card and deliver by ACH, domestic wire or check, so the surcharge you’d meet at their own card terminal doesn’t apply.
Can I pay an international supplier?
Not yet. PayRewards pays domestic suppliers only. If the business you’re paying banks outside the US, this isn’t the right tool for that payment.
Is there a limit on how much I can pay?
No. There’s no cap on the amount, as long as it’s a legitimate business payment. What you can charge in practice is whatever your card allows.
Can I set up a payment that repeats every month?
Yes. Go to Make a Payment, choose Vendor Payment, enter the details, select Recurring and pick monthly. Set a start date and an end date up to 12 months out. Recurring payments are funded by credit or debit card only.
Can someone else pay on my behalf?
Yes, depending on how they’re set up. Account owners and administrators can import bills from QuickBooks and pay them. Connecting and managing the integration itself is limited to account owners. Anyone set up as a user rather than an administrator may not have access.
a 4-minute demo