Food and Beverage

Pay Your Suppliers with RewardPay: Turn Food and Beverage Expenses into Rewards

RewardPay transforms your food and beverage supplier payments into valuable rewards while solving critical cash flow challenges. By enabling credit card payments to suppliers who don't accept Amex, you can earn thousands of points on ingredient purchases, equipment costs, and distributor invoices—while accessing up to 55 days of interest-free credit to navigate seasonal demand fluctuations and delayed customer payments.

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Why use a Credit Card for Food and Beverage Expenses?

Payroll

Pay Food and Beverage Expenses

Paying key food and beverage suppliers with your credit card can improve cash flow by giving you extra days before the funds leave your account. At the same time, you earn valuable credit card reward points on every payment AND can choose to earn extra loyalty partner points on every payment on top.

For example

Pay $30,000 a month to three suppliers on an American Express Platinum Business Card and you’ll spend $360,000 a year.
At 2.25 MR points per $1, that’s up to 810,000 Membership Rewards points annually — enough for up to 2 return business‑class flights to Singapore or a return business‑class flight to Europe, simply by paying suppliers you already use*.

Estimated American Express MR Points * After 12 Months

810,000

*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.

Bali

2-Night Luxury Stay at Kappa Senses Ubud

170,000 Luxury Escapes Société Points

Los Angles

Los Angeles

Return Business Class Flight

6,000 Koru Airpoints™

France
all

Paris

Premium Accor Hotel Stay 7 nights

200,000 ALL Accor Reward points

Tokyo

Tokyo

Return Business Class Flight

6,500 Koru Airpoints™

Bali

2-Night Luxury Stay at Kappa Senses Ubud

170,000 Luxury Escapes Société Points

Los Angles

Los Angeles

Return Business Class Flight

6,000 Koru Airpoints™

France
all

Paris

Premium Accor Hotel Stay 7 nights

200,000 ALL Accor Reward points

Tokyo

Tokyo

Return Business Class Flight

6,500 Koru Airpoints™

How to Pay Food and Beverage Expenses with a Credit Card and Earn Points

Paying business expenses like food and beverage expenses with your credit card via RewardPay will allow you to earn points on necessary spend.

Step 1

Add your payment information as detailed on your invoice

Step 2

Select your payment method (Amex or Pay by Bank)

Step 3

RewardPay pays the supplier on your behalf

Step 4

Your start earning points

Step 5

Receive confirmation and remittance for your accounting records

Step 1

Add your payment information as detailed on your invoice

Step 2

Select your payment method (Amex or Pay by Bank)

Step 3

RewardPay pays the supplier on your behalf

Step 4

Your start earning points

Step 5

Receive confirmation and remittance for your accounting records

Pay using RewardPay now

Why Use a Credit Card for Food and Beverage Expenses?

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Earn Rewards on Every Dollar Spent

Convert your substantial supplier spending into valuable rewards points instead of earning nothing with bank transfers. A restaurant spending $20,000 monthly on ingredients or a distributor paying $50,000 quarterly can earn tens of thousands of points annually—enough for flights, hotels, or cashback that effectively offset RewardPay's service fee while turning mandatory expenses into tangible business or personal benefits.

Improve Cashflow

Bridge the Cash Flow Gap

Food and beverage businesses face a critical timing mismatch: suppliers demand payment within 15-30 days while customers take 30-90 days to pay. RewardPay gives you up to 55 days of interest-free credit to pay suppliers on time while waiting for customer payments, helping you manage seasonal inventory buildups and maintain operations during slower periods without cash flow stress.

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Protect Margins and Supplier Relationships

With razor-thin margins, food and beverage businesses can't afford supplier relationship problems. Pay suppliers promptly to secure quality ingredients, favorable terms, and priority service during shortages—all while preserving working capital for payroll, utilities, and unexpected opportunities like bulk discounts or equipment deals that improve your bottom line.

RewardPay helps business owners pay food and beverage and other business bills and earn rewards – so you get something back for your hard work.

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Platform & Processing Considerations

  • Fees

    Typically 1.67%–2.35% depending on card type

  • Compliance

    RewardPay is regulated and provides full audit trails

  • Eligibility

    Invoice must be legitimate and payable to an NZBN-registered supplier

  • Payment Speed

    Typically next business day, depending on cut-off times

RewardPay offers flexible payment options

Choose RewardPay Pricing that fits your business

Pick a plan to unlock better rates and earn more points on every payment.

Free

$0/month

Get Started
Platform FeesFrom

  • AMEX non-govt fee of

    2.35%

  • AMEX govt fee of

    1.67%

  • Pay by bank from

    1.99%†

Learn more

Silver

$85/month*

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Platform FeesFrom

  • AMEX non-govt fee of

    2.25%

  • AMEX govt fee of

    1.67%

  • Pay by bank from

    1.99%†

Learn more

Gold

$165/month*

Get Started
Platform FeesFrom

  • AMEX non-govt fee of

    2.10%

  • AMEX govt fee of

    1.67%

  • Pay by bank from

    1.99%†

Learn more

Add on rewards partner points

Koru Airpoints1 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)
allALL Accor Reward Points1 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.

Why RewardPay?

RewardPay turns everyday business expenses into high‑value rewards while providing the trust, reliability, and performance needed for commercial payments.

Celebrating 10 Years
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Long‑standing,
Proven Partnership

A decade‑long partnership with American Express, now operating across both Australia and New Zealand.

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Trusted by Leading Global Payment and Loyalty Brands

RewardPay works with and is recognised by major payment networks and loyalty brands including American Express, Air New Zealand, Accor and Luxury Escapes.

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Secure, Bank‑Grade
Payment Infrastructure

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.

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Payment solution built for small business, best in class, local support team

RewardPay’s easy, intuitive payment portal is built specifically for small business owners, with a friendly support team always ready to help.

Rewards You Can Earn by Paying Key Food and Beverage suppliers with Your Credit Card

For businesses spending $50,000+ per annum on Food and Beverage expenses, this can translate into thousands of dollars in annual value.

Flights

Redeem points for flights with loyalty partners including Air New Zealand.

Hotels

Redeem points on hotel stays with loyalty partners including ALL Accor Reward Points and Luxury Escapes Société Points.

Gifts

Redeem points from credit card loyalty programs, or transfer points to loyalty partner programs to purchase gifts

Merchandise

Upgrade your home, office or both using rewards earned from business payments made through RewardPay.

reward pay

Frequently asked questions

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Yes. Food and beverage is a supported expense category on RewardPay. Cafes, restaurants, catering companies, wholesale food suppliers and other F&B businesses can all be paid via RewardPay. Your supplier receives payment directly into their New Zealand bank account. You will need their NZBN, bank account number and a payment reference to set them up 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).

No. Your suppliers do not need to create a RewardPay account, accept credit cards, or take any action. They simply receive funds directly into their nominated New Zealand bank account, just like a standard bank transfer. The RewardPay processing fee is charged to you – your supplier receives the full invoice amount.

 

Rewarding New Zealand businesses every day

Trusted by 10,000+ business owners
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peoples

We pay all of it on the Amex card, so you’re getting a reward back by getting the points

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Nelly

Hospitality

I can pay any of my suppliers even the ones that don’t accept American Express.

Dave

Property

Through using rewardpay, I’ve earned about 3 million points

Luciano
Luciano

Manufacturing

The main reason for using RewardPay is for cashflow, points are just the perk.

Antonio Macri
Antonio

Construction