Marmalade Payments vs B2BPay
What’s right for you?
If you are researching a B2BPay alternative, Marmalade Payments is another option for Australian businesses that want to earn rewards on eligible supplier payments. Both Marmalade and B2BPay integrate with Xero, MYOB and QuickBooks, but their payment methods, earning structures and broader benefits differ. B2BPay offers two-sided earning and card payment support, while Marmalade prioritises a straightforward fee model and connects payment rewards with supplier cash-flow support. This B2BPay review explains the differences so you can decide which platform better suits the way your business pays.
Last updated: 01 September 2026
At a glance
Marmalade Payments vs B2BPay
A summary of the main points covered in this B2BPay review, from reward structures and payment methods to fees and accounting integrations.
| Feature | Marmalade Payments | B2BPay |
|---|---|---|
| What it's for | ||
| Primary purpose | Earn rewards when paying eligible supplier invoices | Earn rewards on eligible business payments made and received |
| Two-sided earn | Not currently available | Available for paying and receiving businesses |
| Payment methods | Bank transfer | Bank transfer and card |
| Cost & fees | ||
| Pricing structure | Flat 1% fee plus GST on standard eligible payments | Per-transaction fee that varies by payment method |
| Subscription | None required | None required |
| Earn for free | Eligible bill payments to businesses offering free M-Coin with Marmalade’s Payments on Demand | Not offered. Every reward-earning transaction carries an add-on fee |
| Rewards & redemption | ||
| Reward currency | M-Coin | B2BPay currency plus a direct Qantas Business Rewards earn option |
| Points conversion | 2 M-Coin to 1 Qantas Point or Velocity Point | 1:1 through its direct Qantas Business Rewards earn stream |
| Workflow & integrations | ||
| Accounting integrations | Xero, MYOB and QuickBooks | Xero, MYOB and QuickBooks |
| Your suppliers | ||
| Supplier-linked free rewards | Eligible payments to participating suppliers may earn M-Coin without the standard rewards fee | Not identified as an equivalent supplier-linked offer in the supplied source |
| Improve your cash flow and get early invoice payment with Marmalade’s Payments on Demand | Available through Marmalade’s Payments on Demand, subject to eligibility | Not identified as a primary product offering in the supplied source |
Comparison compiled from publicly available information at the time of writing. Fees, plans and reward rates change. Check both providers’ current terms before deciding.
Key differences
Where B2BPay has the advantage
A balanced B2BPay review should acknowledge the areas where the platform may be the stronger choice.
Two-sided rewards. B2BPay allows both the paying business and the receiving business to earn rewards, whereas Marmalade Payments currently rewards the business making the payment. It also supports card payments in addition to bank transfers.
Points conversion. For businesses specifically comparing B2BPay Qantas Points, its direct Qantas Business Rewards earn stream converts at 1:1, compared with two M-Coin for one Qantas Point or Velocity Point through Marmalade Rewards. If two-sided earning, card payments or the highest points-per-dollar conversion is your priority, B2BPay deserves serious consideration.
Why marmalade?
Why choose Marmalade Payments as a B2BPay alternative?
The biggest difference is the role each platform plays in the transaction.
One clear fee structure
Marmalade’s Points on Payments applies a flat 1% fee plus GST to standard eligible payments. B2BPay uses a per-transaction model in which the earn rate varies by payment method. Businesses that prefer a predictable cost may find Marmalade’s Points on Payments easier to understand and budget for.
Earn M-Coin without the standard rewards fee
When a business offers free M-Coin, customers may earn M-Coin without paying the standard rewards fee. For businesses assessing a B2BPay alternative, this supplier-linked earning opportunity is an important point of difference.
Connect rewards with supplier cash flow
Participating suppliers may also be able to access early invoice payment through Marmalade Payments on Demand, subject to eligibility. The same ecosystem can reward the payer while helping the supplier manage cash flow.
Connect your accounting software
Marmalade Payments integrates with Xero, MYOB and QuickBooks, bringing eligible supplier bills into one place and syncing completed payments back. B2BPay supports the same three platforms, so the decision is likely to rest on rewards, fees and payment preferences.
Compare on pricing
Points on Payments pricing compared with B2BPay
Pricing and reward value should be assessed together. Check both providers’ current terms before making a decision.
Points on Payments
Free* or a flat 1%, no subscription
Pricing is simple. It’s either free or a flat 1% fee.
Flat 1% fee plus GST on standard eligible payments
$1 paid earns one M-Coin; two M-Coin convert to one Qantas Point or Velocity Point
Eligible payments to businesses that offer free M-Coin with Payments on Demand may earn M-Coin without the standard rewards fee
No paid subscription or minimum payment volume
B2BPay
Per transaction, no subscription
Earn rates vary by the payment method you use.
No subscription; fees are charged per transaction
Earn rates vary according to the payment method used, including bank transfer or card
The direct Qantas Business Rewards earn stream is stated in the supplied source as converting at 1:1
Multiple earn streams can require closer comparison to understand the effective return
Marmalade may be more suitable if you prefer a simple, predictable fee. If your priority is maximising B2BPay Qantas Points conversion, B2BPay’s stated 1:1 direct earn ratio should be weighed carefully. View the Terms & Conditions.
Which platform should you choose?
Marmalade’s Points on Payments may suit your business if:
- You primarily want to earn Qantas Points or Velocity Points
- You pay supplier invoices by bank transfer
- You use Xero, MYOB or QuickBooks
- You prefer a simple, fixed rewards structure
- Your suppliers offer free M-Coin with Payments on Demand
- You want rewards and supplier cash-flow support in the same platform
B2BPay may suit your business if:
- You want both the paying and the receiving business to earn rewards
- You want to pay by card as well as by bank transfer
- You are chasing the highest points-per-dollar conversion, given its stated 1:1 direct Qantas Business Rewards earn
- You are comfortable comparing earn rates that vary by payment method
- Supplier-linked free rewards and supplier cash-flow support are not a priority
Compare Marmalade Payments, side by side
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See how it comparesMarmalade Payments versus RewardPay
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See how it comparesFrequently Asked Questions
Have more questions? Get all the answers.
View all FAQsYes. Marmalade Payments can be a B2BPay alternative for businesses seeking a flat fee reward model, supplier-linked earning opportunities and access to supplier cash-flow support. B2BPay may be more suitable for businesses that prioritise two-sided earning or card payments.
According to the supplied source, the direct B2BPay Qantas Points earn stream converts at 1:1. Marmalade converts two M-Coin into one Qantas Point or Velocity Point. Current rates and terms should be verified before making a decision.
B2BPay offers two-sided earning for eligible payments made and received. Marmalade’s Points on Payments currently applies to eligible supplier invoice payments made by a business.
No paid subscription is required. Points on Payments applies a flat 1% fee plus GST on standard eligible payments, while businesses offering free M-Coin with their Marmalade Payments on Demand can earn M-Coin without the standard fee.
No. Points on Payments currently supports bank transfer payments only. Businesses that require card payments should confirm whether this functionality is planned or available elsewhere.
Have more questions? Get all the answers.
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Looking for a simpler B2BPay alternative?
Connect your accounting platform, pay eligible supplier invoices and convert M-Coin into Qantas Points or Velocity Points through one straightforward fee structure.