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Create your Marmalade Payments account, then choose the product you need. To get started: Payments on Demand. Apply by connecting your accounting platform (Xero, QuickBooks or MYOB). You’ll get a decision on whether we can support your business within minutes. Once approved, there are just a few steps before you’re ready to cash-in invoices. Points on Payments. Sign up and connect your platform (Xero, QuickBooks or MYOB). A few steps to set up your account, and you’ll start earning M-Coin on eligible payments.

An active Australian ABN, a connected accounting platform (Xero, QuickBooks or MYOB), and completed identity and business verification (KYC/KYB). You’ll also need to accept our Terms of Use.

Xero, QuickBooks and MYOB. Connecting your platform pulls in your outstanding invoices and bills, and syncs completed transactions back automatically.

No. Creating an account with us is free, with no subscription or sign-up cost. You’ll only ever pay a fee on an invoice you choose to cash-in through Payments on Demand, or on an eligible bill payment through Points on Payments.

Yes. Marmalade Payments uses secure payment processing and business verification measures to help protect your business and payment information.

Marmalade’s Payments on Demand is a invoice cash-in service that lets Australian businesses get an unpaid B2B invoice paid within 24 hours, without taking on a loan. Businesses connect their accounting platform (Xero, QuickBooks or MYOB), select an outstanding invoice, and we pay the full invoice amount, less a single fee.

Businesses pay wages, suppliers and overheads weekly but invoice customers on 30-60 day terms, creating a cash flow gap between what they’ve earned and what they’ve been paid. Early invoice payment closes that gap without loans or personal guarantees.

Payments on Demand connects directly to Xero, QuickBooks and MYOB. The integration pulls in outstanding invoices and lets a business select which ones to cash-in. It also handles invoice reconciliation and statement generation automatically, at no extra cost.

Raise an invoice as normal, then select it in the platform to cash-in. We pay the invoice value into your account within 24 hours, less a single fee. Your customer still pays us directly when the invoice falls due, and we manage the reconciliation.

Within 24 hours of cashing-in an eligible invoice. That’s typically 15 to 60 days sooner than your standard terms, because you’re no longer waiting out a 30, 60 or 90-day payment cycle.

No. Payments on Demand isn’t a loan, line of credit or debtor finance facility. There’s no borrowing, no interest and no ongoing repayment obligation. You pay a single fee only when you choose to cash-in an invoice, and we absorb the risk if your customer doesn’t pay.

You pay a single fee only when you cash-in. The single fee is based on our customer star rating, ranging from 2.5%–4.99%, and is deducted when you cash-in an invoice. There’s no interest, no subscription, nothing recorded as debt, and no additional cost for invoices left unpaid on the platform. As the fee only applies per cashed-in invoice, businesses only pay for the cash flow flexibility they actually use. There’s no fees unless you choose to cash-in.

Once, at the time you cash-in an invoice. The fee is deducted from the amount paid out to you, and the rate is shown before you confirm.

Yes. Your fee is set per invoice by your customer’s star rating, from 2.5% to 4.99%, so it can vary between customers.

No. There’s no cost for invoices left on the platform, or any admin fees. You’ll only pay the single percentage fee on invoices you choose to cash-in.

Once you connect your accounting platform, getting your eligibility decision can take minutes. Most businesses can start cashing-in invoices shortly after signing up.

Yes. Payments on Demand is invoice-by-invoice and opt-in. From the integration with your accounting platform, a business can select any available invoices they want paid early. There’s no obligation to cash-in every invoice or to commit a whole ledger, so businesses can use it selectively for the customers who pay slowly.

There’s no limit set at approval. Your capacity scales with the eligible invoices you issue, and there’s no obligation to cash-in your whole ledger.

Nothing changes for you. You’ve already been paid in full, and we absorb the risk of late payment, non-payment and insolvency on invoices you’ve cashed-in. That risk sits with us, not your business.

No. Customer never know when you cash-in an invoice. With Payments on Demand, your customers pay into the same Marmalade-issued banking details whether you cash-in an invoice or not, so there’s nothing on their end that changes. Which invoices you cash-in remains private, and stays between you and us.

Absolutely. You choose which invoices to cash-in. There is no obligation to cash-in every invoice, and your clients’ terms remain in your control.

Points on Payments is a Marmalade product where eligible businesses can pay bills through the platform. Through our platform, they’ll be able to earn M-Coin for free or a flat fee of 1% plus GST.

Marmalade Rewards is a program that lets eligible businesses earn M-Coin when paying eligible business invoices through Marmalade, using our Points on Payments (PoP) product or via a Marmalade statement. M-Coin can be converted to Qantas Points or Velocity Points for your business, helping you get more value from payments you’re already making.

Pay your eligible business bills through Marmalade Payments and you earn M-Coin on every one. When you’re ready, convert your M-Coin into Qantas Points or Velocity Points for your business. The points land in your airline account.

M-Coin is our reward currency. You earn 1 M-Coin for every dollar paid on an eligible invoice, and every 2 M-Coin converts to 1 Qantas Point or 1 Velocity Point for your business.

No, as long as your account stays active. You’ll lose any unused M-Coin if you close your account or go 12 months without activity.

Australian businesses with a valid ABN and a connected accounting platform, subject to account status and program eligibility.

Earning M-Coin is free when you pay a business that offers free M-Coin. For all other eligible bill payments, a flat 1% processing fee plus GST applies, charged per transaction.

You earn on any supplier invoice paid through Marmalade Payments. You’ll earn M-Coin for free when you’re paying via a Marmalade statement to a business who offers free M-Coin. Or, you’ll earn at a flat 1% plus GST for all other eligible bills paid using Points on Payments.

No. There’s no cap on how much M-Coin you can earn or convert.

Sign up to Points on Payments, then link your Qantas Business Rewards or Virgin Australia Business Flyer membership. No membership? You can join either program on our platform, with no fee. From there, choose how much M-Coin to convert and confirm. Converting is free.

Yes. You choose where your M-Coin goes each time you convert. Qantas Business Rewards one month, Virgin Australia Business Flyer the next. You’re never tied to one.

You’ll still earn M-Coin from day one, and it stacks up in your account until you’re ready. When you want to convert M-Coin into Qantas Points or Velocity Points, join Qantas Business Rewards or Virgin Australia Business Flyer. Both are free, and you can sign up on our platform.

Points are typically credited once your conversion has been processed, usually within a few days. Processing times may vary.

It’s a feature that comes free with Payments on Demand. When you enable it, your customers automatically start earning M-Coin when they pay your invoices via the Marmalade statement. This is a free feature, which has no cost to you or your customers.

Enable it in your Marmalade Payments portal. Your customers are notified automatically on their next statement. This feature is only available with Payments on Demand.

Yes. It’s free for you to offer, and free for your customers to earn M-Coin.

Customers invoiced with a valid ABN are eligible for free M-Coin. Public companies and government entities are automatically excluded and won’t receive the offer on their Marmalade statement.

To claim M-Coin they’re earning, your customers need to sign up to Marmalade’s Points on Payments. They’ll need to link a Qantas Business Rewards or Virgin Australia Business Flyer membership. Customers who aren’t members can join either program through the portal, and the Qantas Business Rewards joining fee is waived for our customers.

Not yet. You don’t receive M-Coin when your customers pay you, though it’s on our roadmap.

Neither. Payments on Demand offers early payment on invoices you’ve already issued, not borrowed money. There’s no limit to maintain, no debt created and nothing to repay. Read more about how to get paid early with Marmalade’s Payments on Demand.

Traditional invoice or debtor finance is a lending arrangement — it involves credit checks, interest charges, and an ongoing facility the business is contracted into, often against its entire invoice ledger. Payments on Demand has no interest, no lock-in, and no debt: it’s a per-invoice, pay-as-you-go fee charged only when a business chooses to cash in.

Security is taken over the invoices you cash-in, not over all your business assets. That means it doesn’t create the whole-of-business PPSR registrations that commonly restrict other borrowing. Check your existing lender’s terms if you already have a secured facility in place.

No. There’s no paid subscription. A flat 1% fee plus GST applies to standard eligible payments, and it’s free if you’re paying a business that offers free M-Coin with Payments on Demand.

No. Points on Payments currently supports bank transfer only.

Those are facilities: an approved limit, security over your business, and interest or fees whether or not you draw on them. Payments on Demand is per-invoice, with one fee on the invoices you choose to cash-in and nothing to pay when you don’t use it. See the full comparisons with invoice finance, term loans and overdraft facilities.

Those platforms offer more payment methods and reward partners, with pricing that varies by method, plan and earn rate. Points on Payments is one flat fee with a single conversion rate, and it connects to your accounting platform directly. See the full comparisons with pay.com.au, B2BPay and RewardPay.