You earned this.
Now spend it

Every bill you were already paying can become a flight, a reward for your team, or your next invoice. Same money. Different ending.

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Luxury business class airplane cabin featuring tan leather lie-flat suite seats beside windows

Welcome to the world’s most rewarding
bill payments platform

Illustration of a bill document icon with a dollar sign
Pay bills

Rent, invoices, insurance, subs. Pay by card or bank, and your vendor gets paid the way they want: ACH, check, or wire.

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Earn points

1 or 2 PayRewards Points per dollar, on every payment. Your card keeps earning its own points on top.

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Redeem

Airline transfers at 1 point to 1 mile, 100+ gift card brands, rewards for your team, or your very next invoice.

Browse 90+ gift card brands
Redeem your PayRewards Points for anything

Pay bills. Earn and transfer points to whatever moves you.

The same money you were spending anyway, now redeemable across travel, your team, and the business itself.

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Your card's miles
Keep earning airline miles
Pay bills that don't take cards on the card you carry, and keep earning miles with Delta, United and American.
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100+ brands
Buy gift cards from the best brands
Shop Amazon, Apple, Target and hundreds of brands, with every point worth its full face value at checkout.
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Luxury redemptions
Experiences money can't buy
Work with our concierge team on whatever you want, then redeem for the experiences that money can't buy.
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Instant transfers
Transfer points to employees as a reward
Recognize your team the very moment it matters, sending points to any employee instantly and directly.
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Invoice Redemptions
Pay an invoice with points
Put your points straight back into the business, applying them against your very next invoice or bill.
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Two programs,
one payment.

Your card keeps earning exactly what it always earned. PayRewards adds a point per dollar on top, or two on Plus. Same dollar, two balances.

Earn points on ACH

Making ACH or wire payments? They can earn rewards too. Choose to add PayRewards Points when you pay vendors or settle bills by ACH, and watch your balance stack up.

Man using smartphone at a laptop with icons for bank, Vendors, Bills, and Utilities
2x your rewards

Use your rewards credit card to earn its points as usual, then stack PayRewards Points on top. Two sets of rewards, one payment. That's the double-dip.

PayRewards Points earning tiers showing Amex Platinum Business Card, 2x PayRewards Points, and 1x PayRewards Points
Redeem your way

Earn everywhere, then redeem for anything. Travel, gift cards, or a custom redemption. Your rewards, your call.

Illustration of a businessman holding a phone with a REDEEM NOW button, surrounded by icons for a watch, tickets, a gift card, and a gift box
Keep your Visa, Mastercard, or Amex. Add PayRewards Points on top.

What you can earn on

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Rent
Icon of a business invoice or bill with a dollar sign
Vendor invoices
Icon of a document with a user profile symbol inside a circle
Subcontractors
Excavator icon representing the construction industry
Equipment
Icon of a business invoice or bill with a dollar sign
Advertising invoices
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Insurance
Icon of a building with a magnifying glass
Permits
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Materials

The full fee table

Service Fees

Processing fees applied to each payment method

Card Payments
Credit and debit card transactions
2.9%
per transaction
Covers processing costs and fraud protection
ACH Payments
Bank account transfers
$0
service fee
No service fee for ACH funded transactions
Must select a PayRewards Points tier on transaction

Delivery Fees

Choose how you want your payment delivered to the recipient

Wire Transfer
Fast electronic transfer
$16
per transfer
Quick and secure delivery to bank accounts
Paper Check
Traditional mail delivery
$5
per check
Physical check sent via postal mail

PayRewards Points Fees

Earn points on every payment. Choose the tier that suits your business

Core Tier
Earn rewards at a lower fee rate
1.75%
fee per transaction
1 Point per $1
Popular
Plus Tier
Maximize your rewards earnings
3.25%
fee per transaction
2 Points per $1
Note: For credit card payments, PayRewards Points are earned in addition to your card's reward points. For ACH payments, you'll be charged based on your selected earning tier.
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PayRewards Points expire after 18 months of no earning activity.

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

What you'll need

An active business EIN, and an executive or beneficial owner to complete onboarding. About five minutes.

The trip you keep putting off is already in your accounts payable

You were paying those bills either way. This is the version where they take you somewhere.

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Get started

Every expense should pay you back.

Pay any expense by card, even where cards are not accepted. Earn points on your card, and PayRewards Points on top.

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