For savvy business owners who believe every dollar should work harder, RewardPay is quietly becoming one of the smartest financial tools available in New Zealand.

This innovative platform is helping thousands of companies transform routine business expenses into significant reward point earnings while supporting smarter cash flow management. It's a compelling proposition that many businesses are only beginning to explore.

RewardPay allows businesses to pay Inland Revenue (IRD), ACC, landlords, suppliers, and contractors using an American Express credit card. While these recipients often only accept bank transfers or Visa/Mastercard credit cards, RewardPay acts as an intermediary, processing the American Express payment and forwarding the funds by direct deposit. For the recipient, the transaction looks like any standard bank transfer. For the business, it unlocks a new level of value from payments that would otherwise yield no return.

The economics become even more compelling when considering the service's post-tax cost. For companies paying 28 percent tax on profits, the effective cost of RewardPay's 1.67 percent IRD/ACC fee drops to just 1.20 percent. For PAYE taxpayers in the 39 percent bracket, the after-tax cost falls to just over one percent. That changes the conversation from "Is this worth it?" to "Why haven't we been doing this all along?"

And now, RewardPay is adding even more value. This month, Airpoints joins the platform, allowing business owners to earn Airpoints Dollars with every RewardPay payment and American Express points. Users can choose to stack their rewards, converting everyday business expenses into even greater travel opportunities.

You can now select how many Airpoints Dollars you want to earn per transaction:

• 1 Airpoints Dollar per $100 spent (1.15% fee + GST)
• 1 Airpoints Dollar per $200 spent (0.6% fee + GST)

This flexible option lets you tailor your reward strategy based on spend and value, making it even easier to turn tax bills, supplier payments, and contractor invoices into flights, upgrades, or retail rewards. Whether aiming for your next overseas conference or a well-earned break, RewardPay offers two ways to get there faster.

The appeal extends well beyond travel perks for many businesses, especially small and medium-sized ones. RewardPay allows users to take advantage of the interest-free days on their Amex cards, often up to 55 days, giving them additional breathing room in managing cash flow. It's a flexible, low-friction option that doesn't involve credit checks, contracts, or setup fees.

That ease of use is another reason RewardPay is gaining traction among business owners. Suppliers don't need to register or even be aware of the platform, and the process is completed entirely within the RewardPay dashboard. Payments made by 5pm on a business day are typically processed the next day and land in the recipient's bank account shortly thereafter. It's fast, simple, and secure.

This service is especially well suited to businesses with steady revenue, solid financial controls, and a desire to extract more value from operational spending. If your business can repay its credit card balance on time and is already using American Express, the rewards potential is significant. If you travel regularly or want to offer high-value travel perks to your team or directors, the savings in airfare alone could more than justify the service fees.

Of course, RewardPay isn't a one-size-fits-all solution. Businesses that carry card balances month to month or have trouble managing credit card obligations should think carefully about using a platform like this. The interest charges on unpaid balances could quickly outweigh the benefits of points and cash flow gains. But for financially disciplined operators, RewardPay is not just useful, it's a strategic asset.

In a competitive environment where margins are tight and efficiencies are essential, RewardPay gives business owners an elegant way to gain more from every dollar spent. It's less a workaround and more a clever financial system, hidden in plain sight, that rewards those who understand how to leverage it.

If you've ever looked at your tax bill or supplier payments and thought, "Surely there's a smarter way to do this," RewardPay might just be the answer.

Join RewardPay and earn points on all your invoices

It costs nothing to sign up for RewardPay. Fees only apply when you set up a payment through our portal. Watch a video and see our pricing.

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