Pay by Card
Pay business bills with any Australian-issued Amex, Visa or Mastercard and earn 1 Prospa Point per $1 spent. Fees apply
How it works
Use any Australian issued card
Pay a business bill and earn rewards
Handle business, stack points
How to pay by card
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Why you should Pay by Card
Flexible Payment Options
Flexible Payment Options
Keep Cash in Your Business
Keep Cash in Your Business
Stack your rewards
Stack your rewards
Your security comes first
Your security comes first
Your security comes first
Get more from what you pay already
Multiple bills meanspoints 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 Officeworks, JB Hi‑Fi, Bunnings and more.
Ready to get started?
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.
Pay any bill by card is coming soon.
Rewards Earning Terms (Pay by 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 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.
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These Rewards Earning Terms apply from 14/04/2026 unless and until withdrawn or varied by Prospa in accordance with the Prospa Rewards Program Terms and Conditions.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 Pay by 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 Pay by 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.
