Bring your own card

Use a credit card you already own to pay suppliers, tax and utility bills that don't usually accept card payments. Keep more cash in your business and stack up on reward points.

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How it works

Illustration of payment - credit and debit card

Link any Australian issued credit card

Pay business bills with any Australian-issued Amex, Visa or Mastercard – even where card payments aren’t usually accepted.

Pay a business bill and earn rewards

Switch on Prospa Rewards to earn 1 Prospa Point for every $1 you pay. Fees apply.

Handle business, stack points

Every eligible payment grows your Prospa Points balance and if you use a rewards earning card, you’ll continue earning rewards through your card too.

How to pay with your own card

01

Link a credit card you already own

Link any Australian-issued Visa, Mastercard or American Express credit card.
Link any Australian-issued Visa, Mastercard or American Express credit card.
02

Enter bill details

Add the details of the bill you want to pay, even if the supplier doesn't accept credit card payments
Add the details of the bill you want to pay, even if the supplier doesn't accept credit card payments
03

Switch on Prospa Rewards

Earn 1 Prospa Point for every eligible $1 paid and if you use a rewards card like Amex, you’ll earn their points too.
Earn 1 Prospa Point for every eligible $1 paid and if you use a rewards card like Amex, you’ll earn their points too.
04

Confirm and pay

We’ll charge the credit card you own, pay your nominated payee and the transaction will appear on your credit card statement.
We’ll charge the credit card you own, pay your nominated payee and the transaction will appear on your credit card statement.

Why bring your own card?

Pay bills your way

Use the credit card you already own to pay suppliers and business bills, even where credit card payments aren't normally accepted.

Pay bills your way

Use the credit card you already own to pay suppliers and business bills, even where credit card payments aren't normally accepted.
Calendar interface highlighting scheduled dates for bill payments and credit card payments.

Keep more cash in your business

Pay business expenses and help free up working capital by taking advantage of your credit card's interest-free period.

Keep more cash in your business

Pay business expenses and help free up working capital by taking advantage of your credit card's interest-free period.
Calendar interface highlighting scheduled dates for bill payments and credit card payments.

Turn business bills into rewards

Earn Prospa Points on eligible business payments and potentially earn rewards from the credit card you own at the same time.

Turn business bills into rewards

Earn Prospa Points on eligible business payments and potentially earn rewards from the credit card you own at the same time.

Your security comes first

Your card details are tokenised and protected with bank-grade encryption, and we partner only with fully PCI DSS–compliant providers to help keep your information secure.

Your security comes first

Your card details are tokenised and protected with bank-grade encryption, and we partner only with fully PCI DSS–compliant providers to help keep your information secure.

Your security comes first

Your card details are tokenised and protected with bank-grade encryption, and we partner only with fully PCI DSS–compliant providers to help keep your information secure.
Earn Prospa Points
on everyday payments
Calculate your rewards
Person reviewing bills while using a laptop, with floating payment icons representing expenses like utilities, rent, suppliers, tax and BAS

Get more from what you pay already

The more payments you make, the more points you can earn.

Start earning points

Multiple bills means
points stack up, fast

ATO tax payment: $5,000 = 5,000 Prospa Points

Inventory invoice: $3,000 = 3,000 Prospa Points

Electricity bill: $1,000 = 1,000 Prospa Points^

^A 1% fee + GST applies and is charged separately per transaction while rewards are switched on. T&Cs apply.

Redeem or convert Prospa Reward Points towards

Qantas Points

Book flights, request upgrades, or purchase business equipment from the Qantas Marketplace with Qantas Business Rewards.

Popular gift cards


Select from iconic brands including JB Hi‑Fi, Bunnings and more.

Ready to get started?

Start paying bills with your credit card – even where cards aren’t usually accepted.

Sign up now

Switch on rewards

You’re given control to switch on or off rewards anytime to earn 1 Prospa Point for every $1 paid on eligible payments. A 1% fee + GST applies and is charged separately per transaction while rewards are switched on. T&Cs apply.

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.