Business owners spend tens of thousands of dollars each year on materials, machinery, tools, and equipment. These are unavoidable expenses that usually get paid directly from your bank account… earning you nothing in return. With RewardPay, you can pay these same suppliers using your credit card, even if they only accept bank transfers, and earn points.
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Whether you’re running a shop, office, factory, medical practice, construction company, restaurant, warehouse, farm, or anything in between—you likely have expenses like desks, chairs, kitchen fit out, IT systems, printers, building materials, security systems, tractors, irrigation equipment, or harvesting machinery. Every one of these purchases can earn valuable credit card reward points. Those points can quickly add up to business‑class flights for you and your family, simply by being smarter about how you pay for the things your business already needs.
Pay NZ$30,000 a month to three suppliers on an American Express Platinum Card via RewardPay and you’ll spend NZ$360,000 a year.
At 2 Membership Rewards points per NZ$1, that’s up to 720,000 Membership Rewards points annually — enough to put towards flights, hotel stays and premium travel experiences through RewardPay partners, simply by paying suppliers you already use.*
Estimated American Express Membership Rewards Points After 12 Months*
720,000*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 material and equipment 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 Material and equipment 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 $100,000 annually in combined material or equipment cost and tax, rent and other expenses, this could mean earning enough points for a return international business class flight—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 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 $50,000+ per annum on materials, equipment or everyday business costs, 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. Business related equipment purchases are a supported expense category on RewardPay. You can pay machinery suppliers, technology vendors, hardware stores and other equipment providers using your Amex card or Pay-by-Bank – even if they do not accept Amex directly. You will need their NZBN, bank account number and a payment reference 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).
RewardPay does not impose a limit on payment size. However, for large transactions you will need to ensure your card has a sufficient limit to cover the payment. We recommend contacting your card issuer in advance if you are making a sizeable purchase. For very large payments, Pay-by-Bank may be a more suitable option as there are no card limits to consider.
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