Get rewarded for your business payments
Pay a bill using Points on Payments, and earn M-Coin on every business bill for free* or flat 1%. No subscription, no caps, no fine print.
Trusted by
32.4K+
Businesses on Marmalade
5K+
Payments Made Today
115M+
M-Coin Distributed
How this benefits you
Get rewards for paying others. That鈥檚 it.
Turn the invoices you already pay into rewards for your business. Every eligible payment earns M-Coin automatically, and M-Coin converts to Qantas Points or Velocity Points for your business.
Points on business payments
Every eligible invoice you pay using Points on Payments earns M-Coin automatically. Make a business payment and earn M-Coin.
Earn on invoice payments
Your business already pays supplier invoices. Get rewarded for invoices that you鈥檙e paying anyway.
Airline rewards for your business
Convert M-Coin into Qantas Points through Qantas Business Rewards, or Velocity Points for your business through Virgin Australia Business Flyer.
How it works
Turn payments into rewards in just three steps.
Pay using Points on Payments, earn M-Coin and convert to Qantas Points or Velocity Points for your business. There鈥檚 just three steps between your business spend and your next flight
Step 1
Pay through Points on Payments
Connect to your Xero, MYOB or Quickbooks accounting software and pay your business bills by bank transfer.
Free* or 1% fee per invoice
Free
+30,000
M-COIN
1% fee: $50
+5,000
M-COIN
Step 2
Earn M-Coin for free* or a 1% fee
Every dollar you pay using Points on Payments or via your Marmalade statement earns 1 M-Coin, added to your balance automatically.
$1 Business Spend = 1 M-Coin
Step 3
Convert to points
Turn your M-Coin into Qantas Points or Velocity Points for your business whenever you like with Marmalade Rewards.
2 M-Coin = 1 Qantas Point or Velocity Point
*For more information, view the Terms and Conditions.
Pricing
How much it costs to earn rewards
Pay per use. Free when the business you鈥檙e paying offers free M-Coin, otherwise a flat 1% per invoice. No stacked fees, no confusing tiers.
Free*
No fee applies when you鈥檙e paying a business that offers free M-Coin. Learn more.
$0
per invoice
Free to sign up
$0 per invoice, at checkout
$1 paid = 1 M-Coin earned
Pay per use
No minimum amount to pay
No subscriptions
No lock-ins
No admin or platform fees
Flat rate
The standard rate on every other invoice you pay through Marmalade.
1%
per invoice
Free to sign up
1% per invoice, at checkout
$1 paid = 1 M-Coin earned
Pay per use
No minimum amount to pay
No subscriptions
No lock-ins
No admin or platform fees
*For more information, view the Terms and Conditions.
Conversion rate
What your business spend converts to
Every dollar you pay using Points on Payments earns M-Coin, and M-Coin converts to Qantas Points or Velocity Points for your business at one flat rate.
$2
paid through Marmalade
2 M-Coin
earned automatically
1 Point
Qantas Point or Velocity Point for your business
So $2 of business spend = 1 Qantas Point or Velocity Point for your business
*For more information, view the Terms and Conditions.
M-Coin calculator
Turn business spend into rewards
Estimate what your everyday business bills could be earning.
$
Bills you pay through Marmalade.
M-Coin
120,000
$1 Business Spend = 1 M-Coin
Figures are estimates for illustration only and are subject to change at any time. You earn 1 M鈥慍oin for every $1 of eligible business bills paid through Marmalade, and every 2 M鈥慍oin converts to 1 point with your chosen program (Qantas Business Rewards or Virgin Australia Business Flyer). Annual figures assume you keep paying the same amount at the chosen frequency. This isn鈥檛 financial advice. Full Marmalade and program Terms & conditions apply.
Our Rewards Partners
On our platform, you have the freedom to fly with whoever you want. Accumulate M-Coin, choose a rewards partner and convert easily.
Qantas Business Rewards
Convert M-Coin into Qantas Points with Qantas Business Rewards.
Virgin Australia Business Flyer
Earn Velocity Points for your business on flights, credit cards, car hire, hotels and more. As a Virgin Australia Business Flyer member, you can redeem your Points for travel and enjoy benefits such as exclusive discounts.
How it compares
Turn business spend into rewards
No subscriptions to climb. No tiers to decode. No fine print doing the heavy lifting. Just points that land the moment a bill is paid.
Marmalade Payments | Other Rewards Platforms | |
|---|---|---|
| Fees | ||
Free* or one flat fee A single published rate for what you earn. |  |  |
Same rate for everyone No tiers to climb. Every business earns at the same rate from day one. | | |
No fee stacked on top of other fees One rewards fee. Nothing extra just for moving the money. | | |
| Commitment | ||
No lock-in, no minimums Pay only when you use it. Leave whenever you like. | | |
No subscriptions No monthly fee to pay before you start earning. | | |
Marmalade Payments
Other Rewards Platforms
Fees
Free* or one flat fee
A single published rate for what you earn.
Same rate for everyone
No tiers to climb. Every business earns at the same rate from day one.
No fee stacked on top of other fees
One rewards fee. Nothing extra just for moving the money.
Commitment
No lock-in, no minimums
Pay only when you use it. Leave whenever you like.
No subscriptions
No monthly fee to pay before you start earning.
Comparison based on publicly available competitor information as of June 2026. Features and pricing vary by provider and may change. View the Terms and Conditions.
Compare Marmalade Payments, side by side
Switching is simple. Connect your accounting platform and start earning. Here鈥檚 how we stack up against who you鈥檙e using now.
Marmalade Payments vs Pay.com.au
Comparing business payment platforms? See how Marmalade Payments stack up against Pay.com.au on the same business bills.
Marmalade Payments vs B2BPAY
Weighing up B2BPay for your business bill payments? See how Marmalade Payments compare, bill for bill.
Marmalade Payments vs RewardPay
Already earning points with RewardPay? See how Marmalade Payments on business bills stack up before you switch.
Why Marmalade
Why businesses choose Marmalade
A bit of setup the first time round. After that, cashing-in an invoice takes two clicks and your money lands within the hour.
You鈥檙e already spending. You鈥檙e just not earning anything for it.
Every payment leaves your account with nothing coming back. The banks and airlines keep the rewards for themselves.
Rewards isn鈥檛 a credit card. Your payments stay the same.
Free or for one flat rate, no monthly subscription, so more of every bill pays you back.
Turn routine business costs into flights, upgrades and travel.
The more you pay, the more M-Coin you earn. Convert to Qantas Points or Velocity Points for your business.
More than points
The Marmalade Rewards perks
Everything that comes with earning M-Coin.
Free to join
No cost to claim rewards and no subscription to keep earning them.
Free to join
No cost to claim rewards and no subscription to keep earning them.
No caps on M-Coin earned
Earn on every eligible payment you make. There鈥檚 no ceiling and no monthly limit.
No caps on M-Coin earned
Earn on every eligible payment you make. There鈥檚 no ceiling and no monthly limit.
No new relationships
Works across the suppliers you already pay who use Marmalade. Nothing to set up with them.
No new relationships
Works across the suppliers you already pay who use Marmalade. Nothing to set up with them.
Choose Qantas Points or Velocity Points for your business
Convert your M-Coin to either Qantas Points or Velocity Points for your business, whenever you鈥檙e ready. You鈥檙e not locked into one airline program.
Choose Qantas Points or Velocity Points for your business
Convert your M-Coin to either Qantas Points or Velocity Points for your business, whenever you鈥檙e ready. You鈥檙e not locked into one airline program.
What鈥檚 next
Getting Started
Three steps, then every bill you pay starts earning.
Create your account
Sign up to Points on Payments. and connect your Xero, MYOB or Quickbooks accounting software. Then, you鈥檙e in. Takes seconds.
Complete onboarding
Verify your business, sign the terms, link your rewards program and add a payment method.
Pay a bill and start earning
Pay your business bills as usual. Every eligible payment earns M-Coin automatically.
That鈥檚 it. You鈥檙e earning.
Every bill you pay from here builds M-Coin, ready to convert to Qantas Points or Velocity Points for your business whenever you like. Sign up to get started.
Get StartedFrequently Asked Questions
Have more questions? Get all the answers.
View all FAQsMarmalade 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鈥檙e already making.
If you鈥檝e got a valid ABN, invoice other businesses, and use Xero, QuickBooks or MYOB, you鈥檙e good to go. Public companies and government entities are the exception.
M-Coin is the reward currency you earn for paying bills through Marmalade. Every eligible payment earns it automatically, whether you鈥檙e paying using Points on Payments, or via a Marmalade statement. You can then convert M-Coin to Qantas Points or Velocity Points for your business whenever you like.
Yes! Marmalade uses secure payment processing and business verification measures to help protect your business and payment information.
Getting started takes a few minutes. Create your Marmalade account, connect Xero, MYOB or QuickBooks, then complete business verification. From there, every eligible payment paid, using Points on Payments or via a Marmalade statement, earns M-Coin on its own.
Have more questions? Get all the answers.
View all FAQsReady to turn business payments into rewards?
Free to join. No credit card required.