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RewardPay

By RewardPay

3 min read

RewardPay Review: The Definitive New Zealand Guide

Summary 

  • RewardPay is a service that lets you pay the IRD and ACC with an American Express credit card. As the IRD and ACC only accept Visa and Mastercard Debit and Credit Cards via myIR, RewardPay gives business owners with an American Express card the option to use it to pay ongoing IRD and ACC bills following a very similar process.
    RewardPay is suitable for business owners who want to earn rewards (specifically American Express Reward Points) by using their card for IRD and ACC expenses instead of bank transfers (or using a Visa or Mastercard debit or credit card).
  • RewardPay charges a fee to the payer (e.g. person making the payment), which adds to the total cost of the transaction. This is 1.67% for IRD payments and 1.99% for ACC payments. However, as these amounts are pre-tax, the after-tax costs (and arguably true out-of-pocket) for IRD and ACC payments fall to as low as 1.01% and 1.21% (for 39% PAYE earners, and 1.43% and 1.20% (for companies paying 28% tax on profit).
  • Know This: Whether or not you use RewardPay will depend on how useful and valuable Membership Reward Points are to you.

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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RewardPay

Frequently asked questions

RewardPay

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Signing up is free, takes around 5 minutes, and there are no setup fees or ongoing obligations. Click here to register. You will need your active NZBN, email address, and mobile number. When creating your password, make sure it is unique to RewardPay and stored somewhere safe. Once registered, check your email to verify your email address, then log in and complete a one-time identity verification. Once verified, your account is ready to start making payments and earning rewards.

RewardPay NZ offers three subscription tiers: Free ($0/month), Silver ($85/month) and Gold ($165/month). Amex transaction rates vary by tier, starting from 2.10% on Gold. Bank payments start from 1.99% across all tiers. Processing fees are a deductible business expense. See our full pricing breakdown at rewardpay.co.nz/pricing.

RewardPay supports payments to any New Zealand business with an active NZBN – including suppliers, the IRD, KiwiSaver, rent, contractors, marketing, utilities, equipment, accounting and tax pooling. Payroll payments are also supported via Pay-by-Bank. Some restrictions apply – see the RewardPay Terms and Conditions for details.