Pay any business billwith your credit card
Pay business bills with the credit card you already own, even if they don’t accept card.Keep more cash in your business and turn everyday expenses into rewards.
How it works
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Link your card
Link any Australian-issued Visa, Mastercard or American Express credit card to Prospa.
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Enter bill details
Add the BPAY or bank transfer details of the bill you want to pay, even if the supplier doesn't accept credit card payments.
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Switch on Prospa Rewards
Earn 1 Prospa Point for every eligible $1 paid and continue earning rewards through your credit card where applicable. Fees apply.
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Confirm and pay
We'll charge the credit card you own and pay your biller. The transaction will appear in your credit card statement.
Pay by credit card to keep more cash in your business
Enter your bill details and pay through Prospa, even if the supplier doesn't accept credit cards and access up to 55 interest-free days on your credit card.
Stack your reward points
Link your credit card to pay through Prospa and choose to earn 1 Prospa Point for every eligible $1 paid (fees apply), while continuing to earn credit card rewards where applicable. Fees apply.
Earn full points on ATO payments
The ATO will stop accepting credit cards after 30 June 2027. Continue paying BAS and ATO bills with your credit card through Prospa and earn full Amex points.
Pay just about any business bill with your credit card
Supplier invoices
Stock, materials, wholesalers, trade suppliers and contractors
ATO & tax
BAS, PAYG, income tax obligations, other ATO liabilities
Utilities
Electricity, gas, water, internet, phone and other utility bills
Rent
Office rent, warehouse rent, commercial property lease payments
Payroll
Employee wages and salary payments
Superannuation
Employee super contributions
Professional services
Accounting, legal, consulting and other business service providers
Recurring expenses
Regular business bills paid to verified Australian businesses
Simple payment fees.
No monthly subscription fees.
Pay suppliers, tax, and bills by card. One transparent rate.
Platform fees
One rate per card, on every payment.
| Card | Rate (+GST) no rewards | Rate (+GST) with rewards |
|---|---|---|
| Amex | 2.00% | 3.00% |
| Visa | 1.20% | 2.20% |
| Mastercard | 1.20% | 2.20% |
Prospa Rewards is an optional extra. Your credit card still earns its usual points on every payment.
Switch on Prospa Rewards
Switch on Prospa Rewards to earn 1 Prospa Point for every $1 on eligible business payments using your credit card. Fees apply.
Bring your own card to Prospa
Use the credit card you already own to pay suppliers and business bills, even where credit card payments aren’t normally accepted.
FAQs
Common questions answered
Pay your bills by card, even when your biller only accepts bank transfer. You pay with your eligible card and the biller receives the funds by bank transfer. This means you can:
- Improve cash flow: you may benefit from your card provider’s repayment cycle and keep cash in your business for longer.
- Earn reward points: depending on your card and settings, you may keep earning your card provider’s rewards and earn Prospa Reward Points on eligible payments.
- Pay businesses that don’t accept cards: including suppliers, landlords and the ATO.
- Manage payments in one place: no switching between payment methods and systems.
Australian-issued Visa, Mastercard and American Express cards, credit or debit, from any provider. We don’t accept international cards. Your card must be verified before you can use it, and fees may vary by card type.
You can pay eligible business bills and expenses to verified Australian businesses, including:
- Suppliers, trade creditors and contractors
- Tax obligations, including BAS, PAYG, income tax and other ATO liabilities
- Rent and commercial leases
- Utilities and telecommunications
- Payroll and superannuation
- Professional services, such as accounting and legal
- Other recurring business expenses
Not sure if you can pay something? Contact us before you submit the payment.
We charge a Platform fee, calculated on the bill amount. It’s made up of two parts:
- Servicing fee: 1.2% for Visa and Mastercard, 2% for Amex (plus GST).
- Rewards fee: 1% (plus GST), only if you opt in to earn Prospa Reward Points on that payment.
You’ll see the full breakdown before you confirm.
When you submit the payment, your card is charged the full amount: the bill amount plus fees and GST. You’ll see the full breakdown before you confirm. Your biller receives only the bill amount, typically within 2 business days. We’ll let you know once the payment is complete.
We don’t set a minimum or maximum payment amount, but your card limits still apply.
Bring your own card is for business payments only. These payments aren’t supported and will be declined:
- Personal payments to individuals, such as a friend, family member or personal bank account
- Payments to yourself or a payee you control, such as a director, shareholder or related party
- Gambling, betting and lottery payments
- Adult services or adult entertainment
- Cryptocurrency payments to providers not registered with AUSTRAC
- Sanctioned individuals or entities, such as those listed by the UN, OFAC or DFAT
- Dormant or shell companies with no verifiable business activity
- High-risk foreign entities in countries with elevated money laundering risk
- Bail, bond and payday loan payments
- Debt collection, insolvency or liquidation payments
- Multi-level marketing (MLM) and pyramid schemes
- Charities not registered with the ACNC or a state regulator
These restrictions help us meet anti-money laundering obligations, card scheme rules and platform requirements.
Yes. You can pay eligible Australian BPAY billers using an Australian-issued Visa, Mastercard or Amex. You’ll need the biller code and customer reference number (CRN).
No. Bring your own card is only for payments to Australian business payees.
Other questions?
Rewards Earning Terms (Bring your own card)
Application
These Rewards Earning Terms set out the terms and earning mechanics that apply to the earning of Prospa Reward Points in connection with payments made using the bring your own card feature.
These Rewards Earning Terms form part of, and operate in conjunction with, the Prospa Rewards Program Terms and Conditions (available at https://www.prospa.com/important-documents#rewards). By participating in the applicable earning activity, you agree to be bound by these Rewards Earning Terms and the Prospa Rewards Program Terms and Conditions.
Duration
These Rewards Earning Terms apply from 14/04/2026 unless and until withdrawn or varied by Prospa in accordance with the Prospa Rewards Program Terms and Conditions.
Eligible Transactions
You may earn Prospa Rewards Points only in respect of a payment action initiated and completed by you using the bring your own card feature (“Eligible Transaction”), in accordance with the Prospa Rewards Program Terms and Conditions.
Any transaction or activity that is reversed, refunded, disputed, charged back, voided, unsuccessful, or otherwise excluded under the Prospa Rewards Program Terms and Conditions is not an Eligible Transaction, and any Prospa Rewards Points credited in respect of such a transaction may be adjusted in accordance with those terms.
Earn rate
Unless otherwise stated, Prospa Rewards Points are earned at a rate of 1 Prospa Rewards Point per $1 of the settled bill amount, excluding GST, taxes, fees and charges. Points are calculated in whole numbers only.
Timing of earning
Prospa Rewards Points are earned only once the relevant Eligible Transaction has successfully settled. Points may be recorded as pending prior to becoming available and are not redeemable while pending. It may take up to thirty (30) days for Points to become available.
Fees
Prospa may charge a fee for enabling the Rewards feature. By continuing to earn Rewards for an Eligible Transaction, you authorise Prospa to add the fee to the value of the Eligible Transaction. The fees payable to Prospa for Rewards are separate to the fees charged by Live Payments for making payments using the bring your own card feature.
Caps and limits
Prospa may apply caps or limits to the earning of Prospa Rewards Points in respect of Eligible Transactions, including per transaction or per account limits, as communicated to you from time to time.
Changes
Prospa may vary, suspend or withdraw these Rewards Earning Terms, including Eligible Transactions, in accordance with the Prospa Rewards Program Terms and Conditions.
