Unlock card rewards points
Turning bills into boarding passes.
Start earning on everyday business spend. Pay suppliers, tax bills and expenses using your AMEX, Visa or Mastercard, even when suppliers don’t accept card payments. Extend your cash flow flexibility and unlock the potential to earn rewards through your card’s rewards program*.
Pay by Card
Payments in. Points out.
Use your AMEX, Visa and Mastercard to pay suppliers, taxes and everyday business expenses. Turn your bills into points all while keeping cash flow moving. Collect. Redeem. Repeat.
Why Pay by Card?
How it works.
Step 1
Make a payment.
Upload a bill or invoice and choose to pay using your AMEX, Visa or Mastercard. OFX charges your card for the payment amount plus the applicable processing fee.
Step 2
OFX pays your supplier.
OFX will make the payment directly to your supplier’s bank account on your behalf, even if they don’t accept card payments.
Step 3
You collect.
Your payment is processed using your chosen card, helping you access any rewards, benefits or payment flexibility available through your card program.*
*OFX does not guarantee or make any representation that you will earn points or accrue other benefits when you use your card to make a payment via Pay by Card. Your ability to earn rewards by using a card to pay business expenses via Pay by Card depends on the terms and conditions of your card’s associated rewards program. Please consult your card issuer for details regarding points accrual, redemptions and availability.
More control. Better business productivity.
One view of your global cash flow, spend and expenses. One place to automate all your approval workflows. One empowered finance team.
Skip unnecessary FX costs
Instantly issue employee or company cards and pay zero FX fees on international payments when using held balances from your Global Business Account.
Track your spend effortlessly
From individuals to multi-member teams. From Australia to Asia to Europe and beyond. We make it easy to set clear spend controls, monitor business expenses, and gain visibility across teams from one central platform.
Save time with built-in automation
Our AI Document Processor scans and verifies receipts and bills. Everything is categorised and mapped to the right place, so your team can focus on more valuable work.
Built with your security in mind
Our 25+ year business was built on secure global payments. We’ve held an Australian Financial Services (AFSL) for 25+ years and are ISO 27001 certified, with security experts in offices around the world.
Ready for a personalised walk-through?
Our top-rated service is built on human expertise. And they’re ready to answer your questions 24/7. By phone, or even a personalised demo.
FAQs
What is Pay by Card?
Pay by Card lets you use your rewards credit card (Visa, Mastercard, or AMEX) to pay business expenses — even if your supplier doesn’t accept card payments. This allows you to increase the opportunities available to earn rewards points.
What kind of payments can I make?
You can use Pay by Card for most business expenses including rent, tax bills, supplier invoices, and other operational costs.
My supplier doesn’t accept card payments. Can I still use Pay by Card?
Yes. That’s what Pay by Card is for. Direct OFX to make a payment we’ll charge your choice of card to cover the bill plus our processing charge. OFX will make a payment of the bill amount to the supplier on your behalf.
What cards can I use?
We accept major credit cards including AMEX, Visa and Mastercard. You can choose how you want to pay and how you want to earn based on the rewards card you choose.
Do I earn rewards points when I use Pay by Card?
If your card is linked to a rewards or loyalty program then you may be eligible to earn rewards when using Pay by Card. Since the transaction is charged to your choice of card, you can earn rewards just like any other card purchase depending on the specific rewards program linked to that card. Refer to the terms and conditions of the reward scheme associated with your card to confirm eligibility, rewards and redemption.
Is there a fee to use Pay by Card?
There is a processing fee added to the payment amount. You’ll see the exact fee before confirming payment in the OFX platform. You can access the latest pricing here.
Is there a transaction limit on how much I can pay with my rewards credit card?
Your rewards credit card will have a credit limit, so you may only be able to process a certain amount depending on your available credit limit. Check with your card provider (AMEX, Visa or Mastercard) in relation to your credit limit.
*Disclaimer: OFX does not guarantee or make any representation that you will earn points or accrue other benefits when you use your card to make a payment via Pay By Card. Your ability to earn rewards by using a card to pay business expenses via Pay By Card depends on the terms and conditions of your card’s associated rewards program. Please consult your card issuer for details regarding points accrual, redemptions and availability.
Better control and real-time insights with OFX