Contractors can be a large business cost, and generally you pay from your bank account to their bank account. With RewardPay you can pay contractors – such as trades people or consultants, with your credit card and earn rewards points for these substantial monthly payments. You also get the benefit of up to 55 days interest free credit which helps business owners manage their cashflow.
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Even if your contractor only accepts direct deposits or bank payments, RewardPay can enable payment of these contractors via your chosen credit card. Here’s how it works: RewardPay portal receives payments from your credit card provider, then pays your contractors on your behalf. Not only does this offer the cash flow flexibility of your card’s interest-free period, it also gives you credit card rewards points on each and every payment.
Pay five contractors NZ$80,000 each per year and that’s NZ$400,000 in annual spend.
Put this on an American Express Platinum Card at 2 Membership Rewards points per NZ$1 and you could earn up to 800,000 Membership Rewards points annually — enough to put towards flights, hotel stays and travel experiences through RewardPay partners.
Plus, up to 55 days interest-free can help improve cash flow when contractor costs are paid before clients pay you.*
Estimated Amex Membership Rewards Points per year
800,000*Estimated points are illustrative only and correct at time of writing. Actual points earned may vary depending on your Card type, eligible spend, and American Express terms and conditions. Flight redemption estimates are indicative only and subject to airline rewards pricing and availability.
2-Night Luxury Stay at Kappa Senses Ubud
170,000 Luxury Escapes Société Points
Return Business Class Flight
6,000 Koru Airpoints™
Premium Accor Hotel Stay 7 nights
200,000 ALL Accor Reward points
Return Business Class Flight
6,500 Koru Airpoints™
2-Night Luxury Stay at Kappa Senses Ubud
170,000 Luxury Escapes Société Points
Return Business Class Flight
6,000 Koru Airpoints™
Premium Accor Hotel Stay 7 nights
200,000 ALL Accor Reward points
Return Business Class Flight
6,500 Koru Airpoints™
Paying business expenses like contracting costs with your credit card via RewardPay will allow you to earn points on necessary spend.
Add your payment information as detailed on your invoice
Select your payment method (Amex or Pay by Bank)
RewardPay pays the supplier on your behalf
Your start earning points
Receive confirmation and remittance for your accounting records
Every dollar you spend on your Contractor costs and other business expenses is a dollar that could be earning you rewards points. Unlike paying direct from your bank account, where you receive nothing in return, using a credit card through RewardPay converts your business spend into points that can be redeemed for flights, hotel stays, gift cards and more. For a business paying $200,000+ annually in contractor costs, plus tax, rent and other expenses, this could mean earning enough points for a couple of return business class flights—value that would otherwise be left on the table.
Credit cards provide a crucial buffer between when your bills are due and when you actually need to settle the payment. With up to 55 days interest-free (depending on your card's billing cycle), you can pay your everyday business payments while keeping your business or personal cash available for urgent expenses, taking advantage of investment opportunities, or waiting for customer invoices to be paid. This short-term financing is provided at no interest cost, unlike a traditional business loan or overdraft facility.
Go beyond your credit card rewards. With RewardPay, you can top up your Partner Points on every business payment you make. Choose to earn extra Koru Airpoints™, ALL Accor Reward points or Luxury Escapes Société Points—exactly when you need them—to secure a business or first‑class flight, or a luxury hotel stay for yourself, your family, or your team. You’re not limited to just one rewards partner. With RewardPay, you can boost points across all three programs with every eligible payment and truly maximise your rewards.
Typically 1.67%–2.35% depending on card type
RewardPay is regulated and provides full audit trails
Invoice must be legitimate and payable to an NZBN-registered supplier
Typically next business day, depending on cut-off times
 Koru Airpoints | 1 point per $200(0.60% + GST) | 1 point per $100(1.15% + GST) | 1 point per $50(2.30% + GST) | 1 point per $25(4.55% + GST) |
 ALL Accor Reward Points | 1 point per $2(1.99% + GST) | 1 point per $1(3.99% + GST) | ||
 Luxury Escapes Société Points | 3 points per $1(1.99% + GST) | 6 points per $1(3.99% + GST) |
*Quarterly billing in advance • No early exit • Cancel anytime, access until current quarter ends • ^First 30 days free – new sign-ups only •
†Minimum rate based on loyalty partner selected at checkout.
RewardPay turns everyday business expenses into high‑value rewards while providing the trust, reliability, and performance needed for commercial payments.
A decade‑long partnership with American Express, now operating across both Australia and New Zealand.
RewardPay works with and is recognised by major payment networks and loyalty brands including American Express, Air New Zealand, Accor and Luxury Escapes.
RewardPay processes millions of dollars in business payments every month through a PCI‑compliant, encrypted platform, ensuring safe, fast, fraud‑resistant transactions for businesses of all sizes.
RewardPay’s easy, intuitive payment portal is built specifically for small business owners, with a friendly support team always ready to help.
For businesses spending $10,000+ per month on Contractors, this can translate into thousands of dollars in annual value.
Redeem points for flights with loyalty partners including Air New Zealand.
Redeem points on hotel stays with loyalty partners including ALL Accor Reward Points and Luxury Escapes Société Points.
Redeem points from credit card loyalty programs, or transfer points to loyalty partner programs to purchase gifts
Upgrade your home, office or both using rewards earned from business payments made through RewardPay.
Yes. RewardPay supports payments to contractors and freelancers with an active NZBN. Your contractor receives payment directly into their New Zealand bank account – they do not need to accept credit cards or sign up to RewardPay. You will need their NZBN, bank account number and a payment reference such as an invoice number to add them as a payee.
Yes. Amex payments earn your card’s standard Membership Rewards points on every dollar. On any payment method, you can also opt in to earn additional rewards with one or more of our loyalty partners by selecting your preferred earn tier at checkout (additional fees apply).
Yes. RewardPay can only make payments to businesses and individuals with an active New Zealand NZBN. This is a compliance requirement under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT Act). If your contractor does not have an active NZBN, they cannot be paid through RewardPay.
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