How it works

Start earning points on payments instantly

Earn rewards points quickly and easily by paying suppliers via American Express or Bank Payment. Earn credit card points and add airline and hotel partner points on top.

amexAmerican ExpressbankPay by Bank
Start earning points on payments instantly
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How RewardPay works

Pay who you want, when you want and earn rewards instantly

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Step 1

Create your free account

It's free to sign up. Register your business, verify your details, and start making payments.

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Step 2

Set up your payment

Add payee & payment details and credit card or bank payment. Plus choose to earn extra reward partner points with every payment.

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Step 3

Payments Processed

RewardPay pays your suppliers quickly and securely (even the ones who don’t accept credit cards).

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Step 4

Earn Rewards

Your suppliers are paid via bank transfer and you receive your credit card points and your partner points straight to your account.

Make your money work as hard as you do.

Thousands of business owners are turning regular business expenses into rewards, making their money work harder for them. Here's how:

Want to pay with Amex?

Some suppliers refuse Amex, RewardPay solves this problem. You pay with Amex, we pay your supplier, you maximise your points.

Want to pay with Amex?

Maximise Points on IRD and more

Earn rewards on Tax, Payroll, Rent, Contractors, Utilities, Machinery, Equipment, Construction & more. Earn up to 2 points per $1 on IRD payments.

Maximise Points on IRD and more

Double up with airline and hotel points

Choose to earn both airline and hotel partner points on top of credit card points - choose as many partners as you like.

Double up with airline and hotel points

Cash flow - not line of credit

Use your credit cards interest free period to manage cash flow - up to 55 days. No need for line of credit.

Cash flow - not line of credit

More rewards

Choose to Pay by Amex or Pay-by-bank. Even pay off your Amex statement and earn.

More rewards

Market leading rates, best in class support

Market leading rates. Flexible pay as you go or subscription options, best in class local support. Secure, easy to use portal.

Market leading rates, best in class support

Advice and Resources Topics

View all resources
Tax

Tax

How to maximise points on Tax payments and earn full credit card points.

Learn more
Expenses

Expenses

Pay more of your everyday business expenses with RewardPay and earn millions of points for you and your family.

Learn more
Money

Money

Cash flow is a juggle for small business. Use your credit card interest free period to manage cash flow and avoid a line of credit.

Learn more
Small Business

Small Business

Build customer loyalty into small business to ensure long term retention.

Learn more

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.

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%†

Silver

$85/month*

Get Started
Platform FeesFrom
  • AMEX non-govt fee of

    2.25%

  • AMEX govt fee of

    1.67%

  • Pay by bank from

    1.99%†

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%†

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.

Reward Points Partners

earn a

Top up Koru Airpoints™

Choose to earn Koru Airpoints, on top of credit card points, each time you pay with RewardPay - choose to earn up to 1 Airpoint per $25 paid.

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all

RewardPay for ALL Accor Points

Choose to earn ALL Accor Reward points, on top of credit card points, each time you pay with RewardPay - choose to earn 1 ALL Accor Point per $1 paid or 1 ALL Accor Point per $2 paid.

Luxury Escapes Société

RewardPay for Luxury Escapes Société Points

Choose to earn Luxury Escapes Société Points, on top of credit card points, each time you pay with RewardPay - choose to earn up to 6 Luxury Escapes Société Points per $1 paid.

Luxury Escapes

Rewarding New Zealand businesses every day

Trusted by 10,000+ business owners
View all

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

Designed for every business, from startups to enterprises

Whether you're running a small team or managing a large organisation, RewardPay makes it easy to boost cash flow and earn rewards on every payment.

Construction

Construction

Aged & Disability Care

Aged & Disability Care

Financial Services

Financial Services

Retail Trade

Retail Trade

Education & Training

Education & Training

Manufacturing

Manufacturing

Mining

Mining

Many more

+ Many more

reward pay

Frequently asked questions RewardPay

Group Chat Still have questions? Chat with us.

View all FAQs

RewardPay NZ accepts New Zealand-issued American Express credit cards (personal or business). You can also pay via Pay-by-Bank using your New Zealand bank account. Pre-paid and debit cards are not accepted. Your card details are securely encrypted and stored in your RewardPay wallet, and all payments are tokenised. RewardPay is PCI-DSS compliant.

Payments finalised on the RewardPay portal by 5pm NZT on a business day, where all required payment details have been provided, will be processed the next business day. Funds typically appear in your supplier’s account the following business day. For time-sensitive payments such as IRD, payroll or KiwiSaver, we recommend submitting at least 3 business days before the due date.

RewardPay allows you to pay a wide range of New Zealand business expenses, but some restrictions apply. You cannot make payments to individuals or organisations without an active NZBN, overseas recipients, yourself or your own organisation, payees prohibited by your card provider, or payees in categories outside RewardPay’s acceptable use policy. Please refer to the terms and conditions for the full list of restrictions.