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PayRewards accounts payable rewards

American businesses move trillions through accounts payable. Most of it earns nothing.

Pay vendors, commercial rent, insurance and utilities by credit card or ACH, even where cards are not accepted. Your card keeps earning like it always has. PayRewards adds 1 or 2 Points per dollar on top. That's the Double Dip.

Book a demoSee what your bills earn
The same $600,000 of payables
Paid from your bank, as usual
$0
Vendors paid, books reconciled, nothing earned on the way out.
Paid through PayRewards, by card
0 Points
Plus every reward your own card already earns, and 25 to 55 days of float.
Core tier, 1 Point per $1 at a 1.75% PayRewards fee, plus 2.9% card processing. Set your own numbers below.

As seen on

Yahoo Finance
Morningstar
PYMNTS
Finextra
Digital Transactions
The SaaS News
The math

Same bills you already pay, now working twice as hard

Set your annual payables, pick how you pay and which earn rate you want. Every fee is in the breakdown, including ours.

$600,000 a year
$100K$3M
How you pay
Earn rate

By card you keep every reward your own card earns and add PayRewards Points on top. Card processing is 2.9%, and your billing cycle buys you 25 to 55 days before the cash actually leaves.

PayRewards Points a year
600,000
worth $6,000 to $12,000 at 1 to 2¢ a point
Return on fees
1.08×
rewards value per $1 of fees, at 2¢ a point
PayRewards Points
600,000 Points at 1 per $1, valued 1 to 2¢
+$6,000 to $12,000
Your own card rewards
You still keep these, about 1.5% typical
+$9,000
PayRewards fee
1.75%, after an illustrative 30% deduction
−$7,350
Card processing
2.9%, after the same deduction
−$12,180
Indicative only. Not financial or tax advice; consult your tax advisor. PayRewards states its Points are generally worth 1 to 2¢ each; premium-cabin transfers can reach about 3.5¢ while gift cards and invoice credit sit near 1¢. Fees are generally deductible on eligible business spend and an illustrative 30% rate is applied here.
Where those Points go. Your rewards, your call.
Airline and hotel transfers
Fly premium or book the suite. 16 partners.
Gift cards
100+ brands at full face value.
Bill pay with Points
Straight back toward your next bill.
Invoice credit
Offset what you owe us at about 1¢ a point.
Either way there is no monthly platform fee. You pay only when you choose to earn Points.
How it works

Nothing changes for your vendor, or your week

You pay by card or ACH. We deliver funds straight to your vendor's nominated account by ACH, wire or check, arriving in 2 to 3 business days. Pay any expense by card, even where cards are not accepted. Two sets of rewards, one payment.

They keep the same bank details, the same terms and the same remittance.
No vendor account, no card acceptance, no fee passed on to them.
Works on commercial rent, insurance, utilities, subcontractors and trade vendors.
You choose the send date, so terms are met without paying early from your own cash.
Vendor and payroll payees set up in the PayRewards app

Keep your AP platform. Change where the money leaves.

Bill.com, Melio and Mercury capture invoices and route approvals. None of them pay you for the payment. One step in your week changes, and it is the step where rewards can be earned.

UNCHANGED
QuickBooks Online
Bills arrive and live where they always did.
UNCHANGED
Your AP platform
Capture and approvals stay exactly as they are.
THIS IS THE CHANGE
PayRewards
Approved bills sync in. Choose method and earn rate, send, earn.
UNCHANGED
Your vendor
A normal deposit in 2 to 3 business days, on the date you scheduled.
LESS WORK
Back to your books
Status syncs back and fees log as a paid bill. No journal entry.
Unpaid bills sync from QuickBooks Online, so there is no re-entering vendor or invoice details.
Remittance emails go to your vendor automatically when you pay an imported bill.
PayRewards fees log back as a paid bill, so the cost is captured without a journal entry.
Manage multiple businesses from one place and assign roles like accountant or admin.
Unpaid vendor bills synced from QuickBooks Online, ready to pay
Where we fit

Most AP tools move your money. This one pays you for it.

Pick what you run today. Unlike subscription bill-pay tools, PayRewards charges no monthly platform fee. You pay only when you choose to earn Points.

Built for
Bill.com
Invoice capture, approval routing, AP automation at scale
PayRewards
The payment itself, on any method, earning as it goes
Platform pricing
Bill.com
Monthly subscription per user
PayRewards
No monthly fee. 1.75% or 3.25% only when you earn Points
Rewards on your spend
Bill.com
None from the platform
PayRewards
Your own card rewards plus 1 or 2 Points per $1, on card and ACH alike
Vendors that refuse cards
Bill.com
Paid by ACH or check only
PayRewards
Pay by card; vendor still receives ACH, wire or check
Control over who pays
Bill.com
Custom roles, approval groups, sequential routing
PayRewards
Custom roles and approval workflows, for internal and external team members

Compiled from each provider's published product and pricing pages, reviewed September 2026. Not a quote for your business. Bill.com, Melio and Mercury are trademarks of their respective owners and are not affiliated with PayRewards.

Where PayRewards is especially useful

Any US business can earn. It pays off most when these are true.
Recurring bills of real size
Rent, insurance, trade vendors. Above about $20,000 a month the Points comfortably outrun the fee.
Someone in the business travels
Transfers to airline and hotel partners are where a Point reaches the top of its 1 to 2¢ range.
Vendors who refuse cards
The more of your spend that cannot go on a card today, the more this changes.
Approvals already handled
Keep your AP platform for multi-level sign-off and invoice capture. We are the payment step.
Under about $20,000 a month, or if nobody in the business travels, Points still accrue but the math is thinner. We will tell you that on the call rather than after you sign.
Security

Bank-grade verification on every payment

Bank-grade verification

Advanced verification on bank accounts and cards before the first dollar moves.

Tokenized card data

Card numbers are never stored. Every payment uses a token instead.

Fraud monitoring

Every transaction screened, with suspicious activity held for review.

Passkeys and roles

Passkey login, plus accountant and admin roles across multiple businesses.

“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.”

SS
Stephen Shillington
McDonald's franchisee, national marketing co-chair
US$7B+
PROCESSED ANNUALLY
30,000+
BUSINESSES
16
TRANSFER PARTNERS
Figures are for Australian parent Pay.com.au over the last 12 months. PayRewards is its US arm, launched 2026 with US$28M in Series E funding.
Book a demo

Twenty minutes, with your own numbers on screen

A specialist walks your actual payables list, shows the earn rate per payment type, and tells you which tier fits how you redeem. If it is not worth it for your spend, you will hear that on the call.

Your payables, not a sample accountWe model the earn on your real vendor mix and payment types.
Every fee in the open2.9% card processing, 1.75% or 3.25% for Points, and where ACH is the better call.
A straight answer on tier and fitUnder about $20,000 a month the math is thin. We will tell you that.
Step 1 of 3

Where should we send the invite?

One field. We will ask two more questions after this.
No sales sequence. One invite, three times to choose from.
PayRewards states its Points are generally worth 1 to 2 cents each, and the value depends on how you redeem. Transfers to airline and hotel partners for premium-cabin seats sit at the top of that range and can reach about 3.5 cents; gift cards from 100+ brands and credit against your next invoice sit near 1 cent, at face value. The calculator shows the 1 to 2 cent band rather than the best case, because the best case is a redemption strategy, not a rate.