Marmalade vs pay.com.au: which business rewards platform is right for you?
What’s right for you?
Marmalade and pay.com.au both help Australian businesses turn everyday payments into valuable rewards, but they take different approaches. Marmalade is a simple way to earn Qantas Points or Velocity Points for your business from supplier payments, connected to Marmalade’s early invoice payment solution for suppliers. pay.com.au offers more payment methods, pricing plans and reward partners for businesses that want to maximise points across a wider range of expenses. Here’s how they compare.
Last updated: 01 September 2026
At a glance
Marmalade vs pay.com.au at a Glance
See how the two platforms compare on rewards, payment methods, fees and accounting integrations.
| Feature | Marmalade Payments | pay.com.au |
|---|---|---|
| What it's for | ||
| Primary purpose | Reward businesses for paying eligible supplier invoices | Earn rewards across a broad range of business expenses |
| Payment methods | Bank transfer | Bank transfer, credit card and BPAY |
| Cost & fees | ||
| Earn for a standard fee | Flat 1% plus GST per eligible payment | 1.00%–1.80% PayRewards fee (Core to Plus package); card payments also incur a separate 0.80%–2.10% processing fee |
| Subscription | None required | Free ($0/mo), Regular ($85/mo) or Premium ($165/mo) plans available |
| Earn for free | Eligible bill payments to businesses offering free M-Coin with Marmalade’s Payments on Demand | A fee applies when PayRewards Points are added to a transaction |
| Rewards & redemption | ||
| Reward currency | M-Coin | PayRewards Points |
| Airline reward options | Qantas Business Rewards and Virgin Australia Business Flyer | Multiple airline and hotel transfer partners |
| Workflow & integrations | ||
| Accounting integrations | Xero, MYOB and QuickBooks | Xero and MYOB |
| Automatic reconciliation | Yes | Yes |
| Your suppliers | ||
| Supplier invoice sync | Yes | Yes |
| Get paid early | Improve your cash flow and get early invoice payment with Marmalade’s Payments on Demand | Not a primary product offering |
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
What Is the Main Difference Between Marmalade and pay.com.au?
The biggest difference is the role each platform plays in the transaction.
What pay.com.au does. Pay.com.au is built to help businesses pay a wide range of expenses using different payment methods while earning PayRewards Points. That covers supplier invoices, ATO bills, payroll, rent and superannuation.
What Marmalade does. Marmalade connects supplier payments with rewards and cash-flow support instead: the buyer earns M-Coin for paying eligible supplier invoices, the supplier can offer free M-Coin to encourage timely payment, and eligible suppliers can access early payment through Marmalade’s Payments on Demand. M-Coin converts into Qantas Points or Velocity Points for your business using Points on Payments.
Why marmalade?
Why Choose Marmalade Over pay.com.au?
The biggest difference is the role each platform plays in the transaction.
Earn rewards without complicated pricing tiers
Marmalade uses one flat 1% fee plus GST on standard eligible payments. Every dollar paid earns one M-Coin, and every two M-Coin convert into one Qantas Point or Velocity Point for your business. No tiers to calculate, no subscription required.
Earn free M-Coin on eligible supplier payments
When a business offers free M-Coin with Payments on Demand, eligible customers can earn M-Coin without paying the standard rewards fee.
Choose between Qantas Points and Velocity Points for your business
M-Coin converts into Qantas Points through Qantas Business Rewards or Velocity Points for your business through Virgin Australia Business Flyer. You earn first, decide later. A linked Qantas Business Rewards or Virgin Australia Business Flyer membership is required to convert.
Connect your accounting platform
Connect Xero, MYOB or QuickBooks to bring outstanding supplier bills into one place. Completed payments sync back automatically, reducing manual reconciliation.
Why Might a Business Choose pay.com.au?
Pay.com.au may suit businesses that prioritise payment flexibility or a wider choice of reward partners. Its advantages include credit card, bank transfer and BPAY payment options; support for ATO bills, payroll, superannuation, rent and supplier payments; the ability to stack credit card points with PayRewards Points; transfers to a wide range of airline and hotel partners; and multiple subscription and rewards tiers to choose from, with Xero and MYOB integrations.
This flexibility comes with more to compare: payment processing fees, rewards fees, subscription levels and transfer rates all affect the total cost of earning points.
Compare on pricing
Marmalade Pricing Compared With pay.com.au
Pricing and reward value should be assessed together.
Points on Payments
Free* or a flat 1%, no subscription
Pricing is simple. It’s either free or a flat 1% fee.
No fee applies when you’re paying a business that offers free M-Coin, whether by using Points on Payments or via a Marmalade statement.
1% fee plus GST on standard eligible payments
Reward businesses for paying eligible supplier invoices.
$1 paid earns one M-Coin; two M-Coin convert into one Qantas Point or Velocity Point for your business (0.5 points per $1 paid)
No minimum payment volume
No paid subscription
pay.com.au
1.00%–1.80%, plus optional plans
Pricing varies by payment method and plan selected
A free plan with no monthly subscription, plus paid Regular and Premium plans with reduced processing rates
1.00%–1.80% PayRewards fee (Core to Plus package); card payments also incur a separate 0.80%–2.10% processing fee
Pricing varies by payment method and plan selected
Different processing fees for Mastercard, Visa and American Express
Optional PayRewards tiers with different fees and earn rates
Bank transfer payments have no processing fee when PayRewards Points aren’t added
The right choice depends on whether your business wants one predictable rewards structure, or is willing to compare several payment methods and reward tiers to optimise the total return. View the Terms & Conditions.
Which Platform Should You Choose?
Marmalade may suit your business if:
- You primarily want to earn Qantas Points or Velocity Points for your business
- 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
Pay.com.au may suit your business if:
- You want to pay by credit card or BPAY
- You want access to a wider range of airline and hotel partners
- You need to pay ATO bills, payroll, superannuation or rent, not just supplier invoices
- You want to stack platform rewards with credit card points
- You’re comfortable comparing several plans, fee levels and reward tiers
Compare Marmalade Payments, side by side
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See how it comparesFrequently Asked Questions
Have more questions? Get all the answers.
View all FAQsMarmalade can be an alternative for businesses primarily looking to earn Qantas Points or Velocity Points from supplier invoice payments. pay.com.au supports more payment methods, bill types and reward partners, while Marmalade offers a simpler rewards model connected to supplier cash-flow support.
Yes. Eligible Marmalade Rewards customers convert M-Coin into Qantas Points through a linked Qantas Business Rewards account, at a rate of two M-Coin per Qantas Point.
Yes. M-Coin converts into Velocity Points through a linked Virgin Australia Business Flyer account, subject to the applicable program and Marmalade terms.
No. Marmalade Rewards doesn’t require a paid subscription. A flat processing fee applies to standard eligible rewards payments, and customers paying participating suppliers may earn M-Coin with no rewards fee at all.
Yes. pay.com.au currently offers a free plan with no monthly subscription, alongside paid Regular and Premium plans. Transaction and optional rewards fees may still apply.
No. Marmalade currently supports bank transfer only. Businesses that need credit card or BPAY payment functionality may find pay.com.au more suitable.
Marmalade integrates with Xero, MYOB and QuickBooks, letting eligible businesses view outstanding bills, make payments, and sync completed transactions automatically.
Neither platform is universally better. Marmalade is stronger for simplicity, participating-supplier rewards, and linking payment rewards to supplier cash flow. pay.com.au is stronger for payment-method flexibility, bill-type coverage, and reward-partner choice. The right platform depends on how your business pays, which rewards programs you use, and how much pricing flexibility you need.
Have more questions? Get all the answers.
View all FAQsTrusted by 34.5K businesses across Australia
A simpler way to reward business payments.
Connect your accounting platform, pay eligible supplier invoices, and convert M-Coin into Qantas Points or Velocity Points for your business. No extra credit card, no complicated rewards subscription.