Small Business Software
PayRewards Features, Fees, Benefits, and Limitations
Orbit & Metric Editorial Team · Published Nov 15, 2026 · Last updated Nov 15, 2026
A clear, fee-first breakdown of PayRewards so you can judge it on numbers rather than marketing.
Research note: Based on desk research of official websites (checked 2026-11-15). Not hands-on tested. Prices and terms change — confirm on the official site before deciding.
Fees at a glance
| Payment method | Fee (official pricing page) |
|---|---|
| Card | 2.9% per transaction |
| Points — Core | 1.75% per transaction, 1 point per $1 |
| Points — Plus | 3.25% per transaction, 2 points per $1 |
| Wire | $16 per transfer |
| Paper check | $5 per check |
| Subscription | None listed |
Core features
Card, ACH, wire and check payments; QuickBooks Online bill sync; invoice upload; recurring payments; multi-business management with team roles. See the PayRewards profile.
Redemption options
1:1 transfers to British Airways, Singapore Airlines and Cathay Pacific; gift cards at 1.4¢ per point; employee rewards; credit against invoices.
Benefits
Consolidates vendor payments, adds rewards to spend that usually earns none, no subscription commitment.
Limitations
Fees can outweigh rewards; reward value depends on redemption choices; points expire after 18 months without earning activity; not a replacement for a full AP automation suite.
Conclusion
PayRewards' pricing is transparent and per transaction. The decision comes down to whether your realistic redemption value per point exceeds the fee per point.
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Frequently asked questions
Which tier should I choose?
Plus costs 3.25% for 2 points per $1 (about 1.63¢ per point before tax) versus Core's 1.75% for 1 point (1.75¢). Plus is cheaper per point but costs more per payment.
Is there a free plan?
There's no subscription; you pay per transaction.
Sources
- https://payrewards.com/pricing/ (accessed 2026-11-15)
- https://payrewards.com/ (accessed 2026-11-15)
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