Marmalade Payments vs RewardPay
What’s right for you?
Marmalade Payments and RewardPay both help Australian businesses earn rewards from eligible payments, but they are designed around different priorities. RewardPay supports cards and bank payments and lets customers select different reward-earning rates for each transaction. Marmalade focuses on a simple fee structure, direct accounting-platform connectivity and supplier cash-flow support. This RewardPay review compares the two platforms so you can choose the option that best matches how your business pays.
Last updated: 01 September 2026
At a glance
Marmalade Payments vs RewardPay
See how the two platforms compare on rewards, payment methods, fees and accounting integrations.
| Feature | Marmalade Payments | RewardPay |
|---|---|---|
| What it's for | ||
| Primary purpose | Earn rewards when paying eligible supplier invoices | Earn rewards on eligible business payments, with a reward rate selected per transaction |
| Payment methods | Bank transfer | American Express, Visa, Mastercard and bank transfer (Pay-by-Bank) |
| Size & experience | 32,400+ businesses on Marmalade; 4 million+ Velocity Points earned by customers | Trusted by 10,000+ business owners; 10 years in operation; a decade-long American Express partnership across Australia and New Zealand |
| Cost & fees | ||
| Fee structure | One flat 1% fee plus GST on every transaction | Base card or bank fee (0.5%–2.15%) plus an optional rewards add-on fee that varies by partner and tier, from 0.50% to 3.60% plus GST |
| Subscription | None required | Free ($0/mo), Silver ($79/mo) and Gold ($159/mo); paid plans billed quarterly in advance |
| 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 programme options | Qantas Business Rewards and Virgin Australia Business Flyer, via M-Coin conversion | Qantas Business Rewards, Virgin Australia Business Flyer, ALL Accor and Luxury Escapes Société |
| Workflow & integrations | ||
| Accounting integrations | Native, automatic sync with Xero, MYOB and QuickBooks | Bulk ABA file export and upload from platforms such as Xero and MYOB |
| Automatic reconciliation | Yes. Completed payments sync back to your accounting platform | Not described in the cited source |
| Your suppliers | ||
| Supplier invoice sync | Yes, automatic | Not described as automatic in the cited source |
| Get paid early | Improve your cash flow and get early invoice payment with Marmalade’s Payments on Demand | Up to 55 days interest-free via the credit card billing cycle (card payments only) |
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 RewardPay has the advantage
RewardPay has several meaningful advantages.
Payment methods and partners. RewardPay supports American Express, Visa, Mastercard and Pay-by-Bank, including payments to suppliers that may not accept a particular card directly. Customers can choose among Qantas Business Rewards, Virgin Australia Business Flyer, ALL Accor and Luxury Escapes Société.
Earn rates and card benefits. RewardPay also allows users to select a reward rate for each payment: up to two Qantas or Velocity Points per $1 paid, or up to six Luxury Escapes Société Points per $1 paid, with applicable fees. Card users may also benefit from their card provider’s interest-free period. If payment-method flexibility, partner choice or maximising points on selected transactions matters most, RewardPay may be the stronger option.
Why marmalade?
Why choose Marmalade Payments over RewardPay?
The biggest difference is the role each platform plays in the transaction.
Native accounting sync, not manual file uploads
Marmalade Payments connects directly with Xero, MYOB and QuickBooks, bringing eligible supplier bills into one place and syncing completed payments back. RewardPay supports bulk uploads using ABA files exported from platforms such as Xero and MYOB. That is an export-and-upload workflow rather than a live sync.
One flat fee, not a fee-and-tier matrix
Marmalade’s Points on Payments applies one flat 1% fee plus GST to standard eligible rewards payments. RewardPay’s total cost depends on the payment method, subscription tier, reward partner and chosen earn rate, combining a platform processing fee with an optional rewards fee.
Earn M-Coin for free, without the standard rewards fee
When a business offers free M-Coin, customers may earn M-Coin without paying the standard rewards fee. With RewardPay, adding partner points to a payment attracts the applicable rewards fee.
Rewards connected to supplier cash flow
Suppliers offering free M-Coin may also be able to access early invoice payment through Marmalade’s Payments on Demand, subject to eligibility. This connects the payer’s rewards experience with practical cash-flow support for the supplier.
Compare on pricing
Points on Payments pricing compared with RewardPay
Pricing and reward value should be assessed together. Review the T&Cs before comparing costs.
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 rewards payments
$1 paid earns one M-Coin; two M-Coin can be converted into one Qantas Point or Velocity Point (0.5 points per $1 paid)
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
RewardPay
From 0.5%, plus subscription tiers
Cost depends on your plan, payment method and reward partner.
Three subscription options: Free ($0/mo), Silver ($79/mo) and Gold ($159/mo), with paid plans billed quarterly in advance
Platform processing fees start from 0.5% for bank payments; published card rates start from 1.25% for Visa and Mastercard and vary for American Express by tier
Optional reward-earning fees vary by partner and rate: 0.50%–3.60% plus GST for Qantas or Velocity Points, 1.80%–3.60% for ALL Accor, 1.64%–3.28% for Luxury Escapes Société
Bulk payment uploads via ABA files; the cited material does not describe live accounting sync or automatic reconciliation
Marmalade may be easier to forecast if you prefer one standard rewards fee. RewardPay provides more flexibility if you want to choose a payment method, reward partner and earning rate for individual transactions. 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
RewardPay may suit your business if:
- You want to pay by American Express, Visa or Mastercard
- You want ALL Accor or Luxury Escapes Société alongside the airline programmes
- You want to choose the earn rate on each payment
- You want to use your card provider’s interest-free period for cash flow
- You’re comfortable comparing subscription tiers, processing fees and reward rates
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 FAQsYes. Marmalade Payments can be an alternative for businesses that prefer direct accounting-platform connectivity, a flat rewards fee and supplier-linked benefits. RewardPay may suit businesses that need card payment support, more reward-partner options or selectable earning rates.
RewardPay supports bulk payment uploads using ABA files exported from accounting platforms such as Xero and MYOB. The cited RewardPay material does not describe a live sync or automatic reconciliation. Marmalade Payments connects directly with Xero, MYOB and QuickBooks and syncs eligible bills and completed payments.
Yes. RewardPay supports Velocity Points through Virgin Australia Business Flyer, alongside Qantas Business Rewards, ALL Accor and Luxury Escapes Société. Marmalade Payments supports Qantas Points and Velocity Points through its conversion partners.
RewardPay offers a Free plan at $0 per month, plus Silver at $79 per month and Gold at $159 per month. Paid plans are billed quarterly in advance and provide lower published American Express processing rates.
No. Points on Payments currently supports bank transfer payments only. RewardPay supports American Express, Visa and Mastercard as well as Pay-by-Bank, making it more suitable for businesses that require card payments.
Have more questions? Get all the answers.
View all FAQsTrusted by 34.5K businesses across Australia
Make eligible business payments more rewarding.
Connect your accounting platform, pay eligible supplier invoices and convert M-Coin into Qantas Points or Velocity Points, without navigating multiple fee and earn-rate combinations.