Overview
A business payment platform for paying bills, rent and vendors by card, ACH, wire or paper check, with the option to earn PayRewards Points on payments. It is primarily aimed at small and mid-sized businesses that want to consolidate vendor payments and earn rewards on spend that is normally paid by bank transfer or check.
Key features
Pay vendors, rent and bills by card, ACH, wire or mailed check
Pay by card even where vendors don't accept cards
Optional PayRewards Points: 1 point per $1 (Core) or 2 points per $1 (Plus)
QuickBooks Online bill sync and invoice upload
Points transfer 1:1 to British Airways, Singapore Airlines and Cathay Pacific, or redeem for gift cards (fixed 1.4¢ per point) and invoice credit
Best-fit audience & common use cases
Small and mid-sized businesses that want to consolidate vendor payments and earn rewards on spend that is normally paid by bank transfer or check.
Business sizes: Small business · Mid-market
Advantages & limitations
Advantages
- No subscription fee listed on the official pricing page
- Multiple payment delivery methods
- Can add rewards to payments vendors receive by ACH or check
Limitations
- Fees stack: a card payment with points costs 2.9% plus the 1.75% or 3.25% points fee
- Headline 'up to 5.7%' value assumes premium-cabin award flights; gift cards and invoice credit are worth less
- Points expire after 18 months with no earning activity
- Not a full accounts-payable suite
Pricing
Per transaction
Per transaction · verified Nov 15, 2026- No subscription (per official pricing page)
- Card payments: 2.9% per transaction
- PayRewards Points fee (optional on cards, applies to ACH): Core 1.75% for 1 point per $1 · Plus 3.25% for 2 points per $1
- Wire: $16 per transfer · Paper check: $5 per check
Verified on Nov 15, 2026 · official pricing page
Integrations & supported platforms
Integrations (selection)
Platforms
Editorial review
PayRewards: A business payment platform for paying bills, rent and vendors by card, ACH, wire or paper check, with the option to earn PayRewards Points on payments. Best suited to small and mid-sized businesses that want to consolidate vendor payments and earn rewards on spend that is normally paid by bank transfer or check. Weigh the limitations listed above and confirm terms on the official website.
Research methodology
Desk research of the official website and pricing pages. Not hands-on tested; no ratings given.Sources
- https://payrewards.com (official, accessed 2026-11-15)
- https://payrewards.com/pricing/ (accessed 2026-11-15)
Verification status
- Official website link checked on Nov 15, 2026
- Pricing verified against the official pricing page on Nov 15, 2026
- Description, features & integrations reviewed on Nov 15, 2026
Orbit & Metric Editorial Team · Last updated Nov 15, 2026