Pay any bill by card

Use your card to pay rent, suppliers – even if they don’t take cards – and unlock potential rewards.

  • Choose from credit or debit cards
  • Earn rewards and free up cash flow with your credit card
  • Works with Visa, Mastercard and Amex
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A grey payment card with a chip and contactless symbol, shown alongside a list of bills — Supplier bill, Energy bill, and ATO bill — each marked as paid. Logos for AMEX, Mastercard, and Visa appear below.

Why pay bills with your card?

Credit Cards - AMEX and Mastercard overlapping

Use your card for any business bill

Pay rent, utilities or suppliers, even if they do not accept cards, and ensure your suppliers are paid on time in the way that suits them.

Use your card for any business bill

Pay rent, utilities or suppliers, even if they do not accept cards, and ensure your suppliers are paid on time in the way that suits them.
Credit Cards - AMEX and Mastercard overlapping
Illustration of invoice with potential rewards tied to paying for it - flights, discount and cash

Earn rewards from your credit card’s points

Turn bills into points, cashback or a range of perks earned through your points earning credit card provider.

Earn rewards from your credit card’s points

Turn bills into points, cashback or a range of perks earned through your points earning credit card provider.
Illustration of invoice with potential rewards tied to paying for it - flights, discount and cash
Calendar illustrating credit card payment period

Keep more cash in your business 

Free up working capital by putting bills on your credit card and take advantage of interest free periods depending on your card.

Keep more cash in your business 

Free up working capital by putting bills on your credit card and take advantage of interest free periods depending on your card.
Calendar illustrating credit card payment period

How it works

Illustration of payment - credit and debit card

Choose your debit or credit card

From Mastercard and VISA, to American Express.
Illustration of bill being forwarded for payment

Enter bill details

Submit bills to Prospa. From rent and contractors to utilities and suppliers.
Illustration of payment - Credit card on a paper airplane

Review and confirm payment

Your card will be charged and the payment made to your payee.

How paying bills by card compares

Pay by Card Bank Transfer BPAY
Earn rewards from your credit card Yes No No
Ways to pay suppliers Yes Yes No
Give yourself more time to pay by putting it on your credit card Yes No No
Pay ATO Yes Yes Yes

Your security comes first

  • Your card details are tokenised and protected with bank‑grade encryption.
  • We partner only with fully PCI DSS–compliant providers.
  • We never store or share your card number with suppliers.
  • Every payment is backed by Prospa’s security, support and commitment to protecting your business.
Barber in an apron smiling while using a smartphone
Rewards Earning Terms (Pay by Card)

1. 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 Pay by 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.

2. 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.

3. Eligible Transactions: You may earn Prospa Reward Points only in respect of a payment action initiated and completed by you using the Pay by Card feature (each an “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 Reward Points credited in respect of such a transaction may be adjusted in accordance with those terms.

4. Earn rate: Unless otherwise stated, Prospa Reward Points are earned at a rate of 1 Prospa Reward Point per $1 of the settled bill amount, excluding GST, taxes, fees and charges. Points are calculated in whole numbers only.

5. Timing of earning: Prospa Reward 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.

6. 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 Pay by Card feature.

7. Caps and limits: Prospa may apply caps or limits to the earning of Prospa Reward Points in respect of Eligible Transactions, including per transaction or per account limits, as communicated to you from time to time.

8. Changes: Prospa may vary, suspend or withdraw these Rewards Earning Terms, including Eligible Transactions, in accordance with the Prospa Rewards Program Terms and Conditions.