Unlock card rewards points
Make business payments more rewarding.
Start earning on everyday business spend. Pay suppliers, tax bills and expenses using your 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
More ways to pay. More value from every payment.
Use your Visa or 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 Visa or Mastercard. OFX charges your card for the payment amount plus any applicable processing fee.
Step 2
OFX pays the 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 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.
Open an account today
Join more than 37,000 businesses globally using OFX to regain control.
Simplify your financial operations in one platform that helps you save time and money.
Built with your security in mind
For more than 25 years, businesses have trusted OFX to move money securely around the world. Backed by our global ISO27001 certification, we use multiple layers of protection and fraud controls to help keep your information secure.
Ready for a guided walk-through?
See how Pay by Card fits into your payment workflows. Our team can answer your questions, walk you through the platform, and provide 24/7 support whenever you need it.
FAQs
What is Pay by Card?
OFX Pay by Card lets you use your rewards credit card (Visa or Mastercard) to pay your 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. Add your eligible Visa or Mastercard rewards credit card to your OFX account. Make a payment using your credit card. Upload the bill or invoice you are paying. OFX pays your supplier on your behalf.
What cards can I use?
We accept major credit cards including 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, you may be eligible to earn rewards when using OFX Pay by Card*. Because the payment is charged to your chosen card, it may qualify for rewards in the same way as other card purchases. Eligibility, points earned, and redemption options depend on the terms and conditions of your card provider’s rewards program for full details. Please refer to your card provider’s rewards program for full details.
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?
The amount you can pay depends on your available credit limit. If your payment exceeds your available credit, it may not be approved. Check with your card provider for details about your credit limit and available balance.
*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