Established in 2021, it enables businesses to pay bills and suppliers by credit card, bank transfer or BPAY, including when a supplier does not accept cards. Payments can cover ATO obligations such as BAS, payroll, superannuation, rent and other business expenses, as well as international suppliers. Businesses can also receive customer payments and earn rewards on incoming cash flow.

Through its PayRewards program, members earn points on business payments and can redeem them for transfers to airline and hotel partners, travel, gift cards, products, invoices and other options. The platform also offers business benefits, including partner offers and discounts, along with expert travel booking and concierge services.

Tools are designed to simplify payment management, with Xero and MYOB integrations, recurring payments, team access and custom payment approvals. A mobile app supports payments on the move. pay.com.au highlights security measures including PCI DSS compliance, ISO 27001-certified infrastructure, tokenised card data and automatic fraud detection.