SMARTER BUSINESS PAYMENTS

Haribol pointshack

Compare supplier payments and credit-card repayments — fees and rewards, clearly.

AUD · Australia

Plan your payment

Supplier payment amount

Your card

Airline rewards

Payment route

Payment Logic Accelerator

Extra fee on top of card processing. No extra airline points without Accelerator. Rates use your supplied Accelerator schedule, excluding GST. Select Velocity, Qantas or KrisFlyer above. Custom supports account-specific offers.

Card earns points on service fees too

Off by default. Confirm eligibility with your card issuer.

YOUR PAYMENT ESTIMATEPayment Logic

Estimated Velocity points after conversion

—

Card rewards—

Accelerator airline points—Velocity points

Total fees incl. GST—

Cost per Velocity point—Fees incl. GST ÷ converted points

Total payment—Supplier amount + all fees

The fee breakdown

Supplier receives

Processing fee (ex. GST)

Accelerator fee (ex. GST)

GST on service fee (10%)

Total charged

Compare your options

Same supplier amount and selected card. Direct card assumes your entered supplier surcharge. Fee percentages include GST and are calculated against the supplier amount.

Payment route	Fees incl. GST	Fees % incl. GST	Card rewards	Airline points	Velocity equivalent	Cost / point

Estimates only. Points are rounded down for planning; issuer caps, exclusions and award timing may differ. No payments are processed.

CARD PAYOFF ESTIMATEGold + 25% bonus

Estimated Velocity points

—

Airline points only · no card issuer points

Gold Accelerator points—1 Velocity point per $1 repaid

25% Velocity bonus—25% of Gold points

Total fees incl. GST—

Cost per Velocity point—All fees incl. GST ÷ total airline points

Total bank funding—Repayment + all fees

The repayment breakdown

Bank funded

Amount towards card balance—

Bank-transfer fee (ex. GST)—

GST on fees (10%)—

Total bank funding—

Choose Bronze through Diamond. Only the selected tier fee applies; there is no additional 0.50% charge. Gold, Platinum, Tungsten, Black and Diamond earn a 25% Velocity bonus or a 10% Qantas bonus. Bronze, Silver and KrisFlyer have no bonus.

Compare card-payoff options

Same repayment amount. Tier fees follow your supplied schedule; Velocity and Qantas bonuses start at Gold.

Repayment option	Fees incl. GST	Fees % incl. GST	Base points	Bonus points	Total airline points	Cost / point

Planning estimate only. Fees follow your supplied bank-transfer schedule, excluding GST. No payment is processed and no card details are collected.

YOUR REWARDS TOOLKIT

Cards & rates.

Your account terms matter. Set your actual earn rates before comparing points.

Card reward settings

Saved custom values are preserved. A blank conversion means unverified or unavailable, not zero.

Airline conversion reference · 4 November 2026

Reward currency	Velocity	Qantas	KrisFlyer
Amex Platinum · Ascent Premium	2 MR → 1 point	2 MR → 1 point*	3 MR → 1 mile
ANZ Business Rewards	2 rewards → 1 point*	No direct transfer listed	3 rewards → 1 mile*
MyCard Premier	3 rewards → 1 point	No direct transfer listed	No direct transfer listed
NAB Rewards Business Signature Visa	3 rewards → 1 point	Not supported	5 rewards → 1 mile

*Amex Qantas 2:1 is an Ascent Premium planning preset; confirm the current logged-in rate. ANZ’s January 2026 transfer form and Velocity partner page support these rates; ANZ’s product page still contains a conflicting older example. Check the logged-in quote before transferring. Amex Business Ascent is a different program from Platinum’s Ascent Premium. MyCard Premier and NAB Rewards Velocity ratios reflect changes from 1 October 2026. ANZ reduces to 1 point/$ after $10,000 per statement. NAB Business Signature is 1.25 points/$ uncapped; its personal-card spending tiers do not apply. NAB may withhold points on amounts exceeding the credit limit or paid using credit balances, per reward terms clause 7.3. No promotional transfer bonuses included. Transfer minimums and increments are not modelled. NAB Qantas cards earn Qantas directly and do not use the NAB Rewards ratios.

Your Accelerator schedule · ex. GST

Tier	Airline points / $1	Qantas / Virgin Business / Velocity	KrisFlyer
Bronze	0.25	0.5%	0.7%
Silver	0.5	1%	1.4%
Gold	1	1.8%	2.6%
Platinum	2	3.6%	5.2%
Tungsten	4	7.2%	10.4%
Black	8	12.8%	20.4%
Diamond	10	16%	25.5%

From your uploaded program. Accelerator fee is added to the card processing fee; GST applies to both. The calculator offers Velocity, Qantas and KrisFlyer. Qantas Accelerator points are credited via Qantas Business Rewards; transferring to Qantas Frequent Flyer requires at least 3,000 points. Virgin Australia Business Flyer is a fee reference only.

Bank-transfer rules

For both supplier payments and card payoff, choose Bronze, Silver, Gold, Platinum, Tungsten, Black or Diamond. The selected tier fee is the entire fee before GST; never add a separate 0.50%. From Gold upward, Velocity gets 25% bonus points and Qantas gets 10%. Bronze, Silver and KrisFlyer have no bonus. Bank-funded payments earn no card-issuer points.

Your supplied Payment Logic pricing

Amex transaction amount	Fee ex. GST	Fee incl. GST
Under $100,000	1.89%	2.079%
$100,000–$499,999.99	1.82%	2.002%
$500,000–$999,999.99	1.79%	1.969%
$1,000,000–$1,999,999.99	1.74%	1.914%
$2,000,000+	1.69%	1.859%

Each tier applies to the whole supplier amount per transaction. Visa / Mastercard start at your supplied 1.10% ex. GST; MyCard screenshot shows 1.10–1.25%, so adjust its rate above to match your account. Bank transfers use the selected Bronze–Diamond tier fee from your schedule. Velocity +25% and Qantas +10% apply at Gold and above. One tier fee applies, plus GST. These account prices take precedence over public pricing.

THE DETAILS BEHIND THE NUMBERS

Understand the double dip.

Start with the supplier bill

Enter the amount the supplier must receive. The calculator adds the service fee and GST on that fee. It does not add GST to the bill again.

Optional double dip

A card-funded Payment Logic payment earns your card's rewards and, with Accelerator selected, additional airline points. For your account, base card processing earns issuer points only. Select an Accelerator tier to add direct Velocity points and a separate fee. Bank transfers use one selected tier fee, from Bronze to Diamond. From Gold upward, Velocity gets 25% extra tier points and Qantas gets 10%. Bronze, Silver and KrisFlyer receive no bonus.

Compare like with like

Membership Rewards, MyCard rewards, ANZ Business Rewards and NAB Rewards are different currencies. Only a conversion you enter allows a combined Velocity estimate. Transfer minimums and bonus promotions are not included.

Check bonus eligibility

Your confirmed process takes precedence over public standard-bonus advertising: card processing alone has no extra airline points. Accelerator fees and points are calculated separately, using the selected tier's total airline earn rate; tiers are not stacked.

Calculation notes & sources

Fees are rounded to cents, then GST is rounded to cents. Cost per point uses the cash fee including GST; no tax deduction or GST recovery is assumed. Direct supplier surcharges are entered including GST and split as a taxable service fee. Untick fee earning unless your issuer awards points on those charges.

Card settings are saved in this browser only. The calculator does not store card numbers or connect to your accounts. It is separate from your business operations systems.

Public references checked 4 November 2026. Account terms may differ. No redemption value, interest, annual fees or tax savings are included.