Sign up to Points on Payments and get 100K Velocity Points for your business*
Sign up*
Win big time so you can travel far.
Two ways to earn. Choose your adventure below.
Win 300,000 Velocity Points for your business*
Tell us how you’d redeem them.
10 most creative answers win.
Weekly winners
Partnership
Benefits with Virgin Australia Business Flyer and Marmalade
Pay your business bills. Get rewarded. Get going.
Earn on every bill
Rent, insurance, suppliers, ATO - if it’s a business bill, it earns Velocity Points for your business.
Points that go further
Unlock over 600+ travel opportunities when you transfer your business Points to an eligible Velocity Frequent Flyer account. T&Cs apply.
Fly sooner
No caps on earning means you reach your next trip faster than you thought.
Points calculator
Turn business spend into Velocity Points for your business
Estimate what your everyday business bills could be earning.
$
Bills you pay through Marmalade.
M-Coin
10,000
$1 Business Spend = 1 M-Coin
Velocity Points for your business
5,000
2 M-Coin = 1 Velocity Point for your business
That’s worth 60,000 Velocity Points for your business over a year
Based on $10,000 of bills, paid monthly.
Points value (est.)**
+ $2,280.00
Marmalade fee (1%)
Free* if you’re paying a business who offers free M-Coin.
− $1,200.00
Fee after tax deduction
Assumes a 25% company tax rate.
− $900.00
Net value created
+ $1,380.00
How it works
Turn payments into rewards
in just three steps.
Pay using Points on Payments, earn M-Coin and convert to Velocity Points for your business. There’s 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: $500
+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 Velocity Points for your business
Convert M-Coin to Velocity Points for your business within the platform, ready to use whenever you like.
2 M-Coin = 1 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’re paying offers free M-Coin, otherwise a flat 1% per invoice. No stacked fees, no confusing tiers.
Free^
No fee applies when you’re 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 eligible dollar you pay using Points on Payments earns M-Coin, and M-Coin converts to Velocity Points for your business at one flat rate.
$2
Paid through Marmalade
=
2 M-Coin
Earned automatically
=
1 Point
Velocity Point for your business
So $2 of business spend = 1 Velocity Point for your business.
Applies to eligible business spend only, for more information, view the Terms and Conditions.
Virgin Australia Business
Flyer perks
Converting your M-Coin to Velocity Points for your business is just the start. As a Virgin Australia Business Flyer member, your business unlocks perks that reward you every time your team takes off.
01
Points, your way
Book flights, grab upgrades, or gift points to your team via any linked Velocity Frequent Flyer account.¹ ²
02
Fly for less
Save up to 6% on eligible fares,³ plus discounted annual lounge memberships for you and your team.⁴
03
Member extras
Manage all your travel in one place, with perks like two Velocity Pilot Gold memberships.⁵
04
Fast-track two to Gold
Nominate two employees for Pilot Gold when you spend $2,000 on completed travel on eligible Virgin Australia flights in your first three months.⁵
05
Pick your own rewards
At Tier 2 and 3, choose bonus points, lounge passes, or Business Class upgrades.⁶
06
Points that go global
Earn on partner airlines too, including Singapore Airlines, United Airlines, Air Canada, and Qatar Airways.⁷
Don’t have a Virgin Australia Business Flyer account yet?
Join easily through Marmalade. No fees apply.
What’s 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’re 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’s it. You’re earning.
Every bill you pay from here builds M-Coin, ready to convert to Velocity Points for your business whenever you like. Sign up to get started.
Sign up to get startedFrequently Asked Questions
Have more questions? Get all the answers.
View all FAQsTrusted by 34.5K businesses across Australia
Start earning Velocity Points for your business
When you convert your M-Coin to Velocity Points.
Free to join. No credit card required.
Marmalade Payments: Competition - Terms and conditions
*Runs 1 to 30 October 2026, or until 15 million Velocity Points are allocated. Australian ABN holders only. Sign-up bonus limited to the first 120 participants, excluding existing Points on Payments customers. Competition entries judged on creativity. A Virgin Australia Business Flyer account is required to receive points. Full Competition Terms and Conditions can be found here.
Virgin Australia Business Flyer: Perks - Terms and conditions
Pay with Points: Minimum 100 Points required when using Pay with Points. Payment surcharge may apply. Virgin Australia fare rules apply to Pay with Points flight bookings. Virgin Australia Business Flyer membership terms and conditions apply. When using Pay with Points as your payment method for Economy X upgrades and additional baggage fees, the full amount of these items must be paid in Points.
Points Transfer: Virgin Australia Business Flyer Account Administrators can transfer Points earned by the Virgin Australia Business Flyer member to a Velocity Frequent Flyer member, provided that (a) there is a minimum of 100 Points per transfer; and (b) the Velocity Frequent Flyer member transferee is directly employed or contracted by the Virgin Australia Business Flyer member.
The Fare Advantage Discount: The Fare Advantage Discount of up to 6% applies to Flex and Business Class fares operated and marketed by Virgin Australia and is available to Virgin Australia Business Flyer members. The Fare Advantage Discount levels are subject to change without notice. Please check our website for current discount levels. Fare Advantage Discounts can only be booked through the Booking Portal, our Guest Contact Centre, or a registered self-ticketing Travel Management Company (TMC) or travel agent and are not available through the public Virgin Australia website. If your TMC or travel agent is not registered to process Fare Advantage Discounts, please instruct your TMC or travel agent to contact the Virgin Australia Business Flyer team at businessflyer@virginaustralia.com. Fare Advantage Discounts cannot be used in conjunction with any other offer or discount and cannot be combined with any other Unpublished Fares or Promotional Fares. Fare Advantage discounts do not apply to Virgin Australia flights operated by Qatar Airways, any bookings made via the Virgin Australia Groups department, sale fares or other tactical fares offered from time to time, and bookings for children and infants. Fare advantage discounts are not available on Virgin Australia services to and from Onslow (ONS). If you have any questions regarding the application of Fare Advantage Discounts, please contact the Virgin Australia Business Flyer team. Virgin Australia Business Flyer Terms and Conditions apply.
Discounted Lounge Membership: Usual annual Lounge Membership Fee is $450 (plus $99 joining fee for all new standard Lounge Memberships), as at 18 May 2026. Discounted Membership Fee is available for the Virgin Australia Business Flyer member's Key Contact, Account Administrators, Travel Bookers and Travellers. Subject to the Virgin Australia Business Flyer Terms and Conditions, and Virgin Australia Lounge Terms and Conditions. Virgin Australia Lounge entry is subject to space availability.
Pilot Gold: A new Virgin Australia Business Flyer member is eligible to receive two three-month Velocity Pilot Gold Memberships if, within the first three months of becoming a Virgin Australia Business Flyer member, they book and complete at least $2,000 of eligible travel (excluding taxes, fees and charges). As a Pilot Gold member you will receive all Velocity Gold benefits, except for the following: a physical membership card, luggage tags, complimentary partner memberships, or the ability to access a membership Pause for parental leave. For more information, please visit our website, or the Velocity Frequent Flyer Pilot Gold page. Virgin Australia Business Flyer Terms and Conditions and Velocity Membership Terms and Conditions apply.
Whenever a Virgin Australia Business Flyer member is: (a) upgraded to a higher Tier Level (i.e. upgrade from Tier Level 1 to Tier Level 2); (b) retained at Tier Level 2 or 3 following the member's annual Tier Level review; or (c) downgraded from Tier 3 to Tier 2 following the member's annual Tier Level review, your business will have the option to choose a reward. To choose a reward, click on the link in the email sent to the member's Key Contact and select from the options. The link in the email will expire in four weeks from receipt or once you have chosen your reward. Once a selection has been made, it cannot be changed. The Single Use Lounge Pass or Business Class Upgrade rewards must be allocated to a Velocity Frequent Flyer member who is directly employed or contracted by the Member within 1 year or they will expire. The bonus Points reward must be transferred to a Velocity Frequent Flyer member who is directly employed or contracted by the Member within 2 years or they will expire. Please note that any unallocated rewards will also expire if you are upgraded to a higher Tier Level (at which time we will provide you with new rewards to choose from). See the Virgin Australia Business Flyer Terms and Conditions for details of the available rewards and conditions of use.
Earning Points with international airline partners: Virgin Australia Business Flyer members (Members) will earn Velocity Points when Travellers fly on eligible international partner airlines operated flights (including Air New Zealand, Air Canada, United Airlines, Singapore Airlines and Qatar Airways) with a VA flight number (excluding fare classes X, Z and G) (including Virgin Australia flights operated by Qatar Airways on behalf of Virgin Australia, between Australia and Doha, Qatar) bookable via an Eligible Booking Channel as follows:
- Tier 1: 1 Point per AUD $1 of eligible spend
- Tier 2: 1.5 Points per AUD $1 of eligible spend
- Tier 3: 2 Points per AUD $1 of eligible spend
Please note that Velocity Points cannot be earned on certain fees or charges (e.g. baggage charges and credit card surcharges). Travellers travelling on upgraded fares that were purchased with Points or by bidding for an upgrade will earn as per the rules of the original fare class purchased. An Eligible Booking Channel is: 1. the Virgin Australia Business Flyer Booking Portal, 2. www.virginaustralia.com or the Virgin Australia mobile application (Virgin Australia App) provided that the Member's ABN is included, 3. the Member's nominated TMC, and 4. the Guest Contact Centre.
Please note that Members can earn up to 1,000,000 Velocity Points per annum for travel on flights marketed and operated by Virgin Australia or flights marketed by Virgin Australia and operated by eligible international partner airlines (with a VA flight number) (including Air New Zealand, Air Canada, United Airlines, Singapore Airlines and Qatar Airways) (including Virgin Australia flights operated by Qatar Airways on behalf of Virgin Australia, between Australia and Doha, Qatar), based on the rolling 12-month period from when the Member joins Virgin Australia Business Flyer.
Membership and Points earn is subject to the Virgin Australia Business Flyer Terms and Conditions and Velocity Frequent Flyer Terms and Conditions, and any changes to the Member benefits and program features, including Points earn for eligible travel on flights operated by eligible international partner airlines (including Air New Zealand, Air Canada, United Airlines, Singapore Airlines and Qatar Airways), will be governed by those Terms and Conditions. Velocity collects and handles your personal information in accordance with its Privacy Policy, and Virgin Australia Business Flyer collects and handles your personal information in accordance with its Privacy Policy.
Earn rates are correct as at 12 December 2024 and are subject to change. Flights are governed by the operating carrier's terms and conditions, which can be viewed on the operating carrier's website. Members travelling on upgraded fares purchased with Points or any other subsidised means of upgrades on Virgin Australia or our international partner airlines will earn Points based on originally purchased fare classes. If paying for an upgrade with the international partner airline, the airline partner may re-issue the ticket without a VA flight code/the ticket may no longer start with 795, and the member may no longer be eligible for Points earn. Check the Virgin Australia Business Flyer Terms and Conditions and Velocity Membership Terms and Conditions for details about earning Points.