(Referral Code: 489652)
Just to be clear, this post isn’t financial advice.
We’re simply sharing something that we personally use in our business and how it works for us. Every business is different, and what works well for us may not necessarily be the best option for everyone. If you’re unsure about financial tools or strategies, it’s always worth doing your own research or speaking with a professional first.
With that said, this is one of those small systems we’ve built into our business over time that has ended up delivering some pretty great travel rewards.
Running a business comes with plenty of responsibilities — and plenty of expenses.
Like most small businesses, we have regular bills to pay. Suppliers, services, subscriptions, software, and all the everyday costs that keep the business running.
For the past 15 years, we’ve paid as many of these expenses as possible using credit cards in order to earn frequent flyer points.
With a family of five, those points have been incredibly valuable. Booking multiple airline seats can require a lot of points, so we’re always looking for ways to build our balance faster.
The challenge we ran into though was simple: not every supplier accepts credit cards.
Many businesses only accept bank transfers, which means you miss out on earning points altogether.
That’s when we discovered Pay.com.au, and it quickly became one of the ways we maximise points through our business spending.
If you run a business, you’ll know how quickly expenses add up.
Our mindset around this is pretty simple:
If we’re going to be spending that money anyway, we might as well make it work a little harder for us.
Pay.com.au allows us to pay suppliers using our credit card, even if the supplier normally only accepts bank transfers.
Instead of missing out on points, we can process the payment through the platform and still earn credit card reward points or frequent flyer points, depending on the card we’re using.
Over time, those points really start to add up.
One of the things that surprised us when we started doing this was how quickly the points build.
Business expenses can easily reach tens of thousands of dollars each month, depending on the industry. When those payments are earning points, it doesn’t take long before you start accumulating meaningful rewards.
For us, those points usually go towards travel, which is something our family truly values.
There’s something pretty satisfying about knowing that everyday business expenses — things we would be paying for anyway — are slowly turning into future flights or upgrades.
It’s essentially taking money that would already be spent and letting it contribute to something enjoyable down the track.
One important thing to understand about platforms like Pay.com.au is that there are fees involved when paying bills via credit card.
Those fees can add up, particularly if the invoices are large.
Because of that, we don’t automatically use this method for every payment that comes through the business.
Instead, we treat it as a strategic tool.
Before processing a payment through the platform, I actually do a quick cost analysis on each transaction. Sometimes the value of the points outweighs the fee, and sometimes it doesn’t.
We tend to use it most often when:
• we’re topping up points for a specific redemption
• we’re planning travel
• or when the value of the points clearly outweighs the cost of the fee
Like any financial tool, it only makes sense when the numbers stack up.
If you’re curious about trying Pay.com.au and want to give it a go, you can use our referral code when signing up:
Referral Code: 489652
Using this code gives both of us a bonus.
Once you sign up and meet the required conditions, you’ll receive 30,000 bonus points, and we’ll receive 30,000 points as well.
We always like to be transparent about things like this. Referral programs are simply one of the ways platforms reward existing users for sharing tools they genuinely use.
If you were already planning to sign up, using a referral code just means you get a 30,000 point head start.
Running a business is really about constantly refining the systems you use.
Over time you discover tools that genuinely make life easier — and those are the ones that tend to stick.
For us, Pay.com.au has become one of those tools we use when it makes sense.
It’s not something we rely on for every payment, but when used strategically, it allows us to get a little extra value out of spending that would be happening anyway.
And if that spending eventually turns into a business class family trip somewhere beautiful, we’re definitely not complaining.
Sometimes the best business hacks aren’t complicated.
They’re just about making smarter use of what’s already available.
Enjoy,
