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Payment Logic FAQs

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Business

Personal

Getting Started

General

Integrations

Security

Rewards Accelerator

Getting Started

To create an account, visit paymentlogic.com.au/#/signup and follow the prompts to complete the online application form. The signup process takes around 10-15 minutes to complete and your account will take approximately 2 business days to be approved on the basis that all required documentation has been provided.

The signup process takes around 10-15 minutes to complete and your account will take approximately 2 business days to be approved on the basis that all required documentation has been provided.

Payment Logic is available to Australian owned (or managed) businesses with a current ABN.

While waiting for your account approval, you can start setting up your account by connecting to a Reward Program, becoming a Referrer, and adding cards, payees, and users. Once your account is approved, you’ll be able to begin processing payments.

Follow these simple steps to connect to a Reward Program:

  1. Log in to your Payment Logic account.
  2. Select Account from the left-hand menu.
  3. From the dropdown options, click on Reward Program.
  4. Choose your preferred Reward Program:
    • Qantas Business Rewards: If you already have a Qantas Business Rewards account linked to the ABN of your Payment Logic account, it will be automatically connected. If not, you’ll be prompted to create one for free.
    • Singapore Airlines KrisFlyer: Enter your KrisFlyer Membership Number, First Name, and Last Name.
    • Virgin Australia Business Flyer: Enter the ABN/ACN associated with your Virgin Australia Business Flyer account.
    • Velocity Frequent Flyer: Enter your Membership Number, First Name, and Last Name.

If you’re not yet a member of your chosen program, simply follow the prompts to join for free.

Follow these simple steps to link to Xero or MYOB (AccountRight):

  1. Login to the platform.
  2. Select Account in the left hand menu.
  3. From the drop down options, select Accounting Integration.
  4. Select from either Xero or MYOB.
  5. Continue as prompted.
  6. Once you have connected your account you will need to map a number of data fields to ensure that reconciliation of payments is smooth and efficient.
    • Payment Account Code Field. Select the account code to be used when updating your Bills after they are paid. Normally, this will be the card you are using to make payments on our portal (e.g. American Express Business Platinum).
    • Processing Fee Account Code Field. Select the expense code for our processing fees. The list of expense codes available for selection is based upon your chart of accounts (e.g. 400 Bank Fees).
  7. Lastly, select the Update button to save and finalise your selections.

Please be aware that as of now, payments made via Bank Transfer are not automatically reconciled within your Xero or MYOB (AccountRight) account. Manual reconciliation is required to match Bank Transfer payments with corresponding transactions in your account accurately.

Follow these simple steps to become a Referrer:

  1. Log in to your Payment Logic account.
  2. Select Account from the left-hand menu.
  3. From the dropdown options, choose Referral Program.
  4. Review and accept the Terms and Conditions.
  5. Once accepted, you’ll receive a unique sign-up link and referral code to share with others.

Note: You must first connect to a Reward Program before you can become a referrer.

Follow these simple steps to add a new user:

  1. Log in to your Payment Logic account.
  2. Select Users from the left-hand menu.
  3. Click on Add User in the top right-hand corner.
  4. Fill in the new user’s details in the provided fields.
    • Can Approve Payments: Enabling this option grants the user the ability to authorise and process payments.
    • Client Administrator: Assigning this role allows the user to add and delete other users.
  5. Once the details are entered, click Save in the bottom right corner.

After saving, the new user will automatically receive an email with a link to complete the user creation process. They must click the Click here to activate login link in the email to verify their email address and set up their username and password.

Is the new user a payment approver?

If the user has been added with payment approval privileges, they will be prompted to complete Identity Verification once they have set up their username and password. After verification, the user will be able to upload, authorise, and process payments.

Follow these simple steps to add a card:

  1. Log in to your Payment Logic account.
  2. Select Cards from the left-hand menu.
  3. Click on Add Card in the top right-hand corner.
  4. Enter your card details in the fields provided.
    • CVV:
      • For VISA/Mastercard, this is the 3-digit code found on the back of the card.
      • For American Express, the CVV is the 4-digit number found on the front of the card.
  5. Once the details are entered, click Verify.

3DS Verification

You may be prompted to complete a 3D Secure (3DS) verification step for American Express, VISA and Mastercards. This is an additional security measure to authenticate the card and protect your payments.

Further Verification for Visa and Mastercard

For VISA and Mastercard cards, you may also be asked to provide additional documentation to verify your card.

Once verified, your card will be successfully added to your account.

Follow these simple steps to add a payee:

  1. Log in to your Payment Logic account.
  2. Select My Payees from the left-hand menu.
  3. Click Add Payee in the top right-hand corner.
  4. Choose Manual to add the payee manually.
  5. Select whether your payee is a Business or Employee.
    • Note: Employees can only be paid via VISA, Mastercard, or Bank Transfer. American Express strictly prohibits payments to employees using a card.
  6. Proceed with the prompts, ensuring all required fields (marked with an asterisk) are filled in accurately.
  7. When you reach the Disbursement Details page, select whether your payee has EFT Details (BSB and Account Number) or BPAY Details (Biller Code and Reference Number).
  8. Once all details are entered, click Verify to confirm the payee information.

Follow these simple steps to create a one-off manual payment:

  1. Log in to the platform.
  2. Select Create Payment from the left-hand menu.
  3. Choose Supplier Invoices.
  4. Select Enter Manually.
  5. Select your payee and enter the payment details as prompted.
  6. If creating additional payments, click Add Another Payment in the bottom right-hand corner once you reach the Summary page.
  7. Repeat steps 5-6 for each additional payment.
  8. Once all payments have been added, click Next.
  9. Choose your preferred payment method (Credit Card or Bank Transfer).
  10. Select your preferred Rewards Accelerator tier.
  11. Review the payment details and proceed to Authorise and Process the payments.

General

Payment Logic is a secure payment platform that enables businesses to pay their expenses, including: the ATO, suppliers, subcontractors, rent, superannuation, payroll and more whilst optimising cash flow and earning reward points on every payment.

Payment Logic is available to Australian owned (or managed) businesses with a current ABN.

Payment Logic is trusted by over 10,000 businesses across Australia, and here’s why our customers love using our platform:

  • Maximise rewards: Earn rewards on every business payment. Earn the full points from your card, plus 1 bonus Qantas Business Reward, Virgin Australia Business Flyer or Velocity Frequent Flyer Point per $10 spent or 1 mile per $15 spent for KrisFlyer, for all card payments with the option to earn up to 10 additional bonus points with the Rewards Accelerator. Plus, earn up to 10 points per $1 on every Bank Transfer payment.
  • Optimise cash flow: Pay your suppliers and billers however you choose, even if they don’t directly accept card payments. Use your preferred American Express, Visa, Mastercard, or Bank Transfer for greater flexibility in managing your cash flow.
  • No hidden fees: Enjoy transparent pricing with no ongoing subscription or account management fees—just a small processing fee per transaction.
  • Enhanced Security: Payment Logic prioritises the safety of your payments with advanced encryption, real-time fraud monitoring, multi-factor authentication, and compliance with industry standards like PCI DSS, ensuring your transactions are secure.

Sign up today and start optimising your payments and rewards!

You can learn about our processing and Rewards Accelerator fees, here.

Payment Logic offers full access to our platform with no subscription required. Enjoy all the benefits without any ongoing fees.

Payment Logic accepts any Australian issued American Express, Visa or Mastercard which can be utilised to process payments on the platform. Internationally issued cards can be used but are charged at a flat processing fee of 3% + GST.

When processing card payments through our platform, you’ll always earn the full reward points from your card’s reward program, no matter who you’re paying (even the ATO!).

Yes, you can make payments to a BSB and Account Number.

Yes, you can make payments to a BPAY Biller.

Yes, you can make scheduled payments using an American Express, Visa or Mastercard. Please note that Bank Transfer does not currently support scheduled payments.

Yes, you can make recurring payments using an American Express, Visa or Mastercard. Please note that Bank Transfer does not currently support recurring payments.

Yes, we’ve recently launched our International Payments feature – making it easier than ever to pay suppliers, partners, or vendors around the world. Enjoy fast, secure, and competitive-rate transfers directly through your account. See more here.

With Payment Logic, you can pay all of your business expenses, including the ATO, suppliers, subcontractors, rent, superannuation, payroll, and more. 

However, please note that you cannot use Payment Logic to pay yourself via credit card. Certain industries are restricted from using specific payment methods, and Payment Logic reserves the right to update the list of banned industries at any time.

There is no transaction limit when using Payment Logic, giving you the flexibility to process payments of any size.

Yes, making payments with Payment Logic is simple and seamless. Just select your card, choose the payee, enter the payment amount, select your payment method and preferred rewards earn rate and confirm the details. You can also batch multiple payments or import them directly from your accounting software, including Xero and MYOB AccountRight.

Yes, Payment Logic is highly secure. We prioritise the protection of your financial transactions through advanced encryption, PCI DSS compliance, and real-time fraud monitoring. We also use multi-factor authentication and 3D Secure for added protection during account access and card approvals.

Additionally, we comply with strict regulations, including KYC and KYB, and employ measures like card tokenisation and multi-signature authorisation to further safeguard your payments. Our system is continuously monitored and reviewed to address emerging security threats, ensuring your data and transactions are always secure.

Payment processing timelines are dependent on the payment method utilised and the time the payments were processed.

To make certain that your payments are received on time, ensure that you have processed your payments at least 2 business days (before 6pm AET) prior to the due date.

Provided that your payments are processed by 6pm AET on any given business day, the following timelines are applicable.

  • Card – 1 to 2 business days
  • Bank Transfer – up to 1 business day (after the funds have been received by Payment Logic)

Payments authorised after business hours (after 6pm AET weekdays and on weekends) will be processed the following business day.

Once a payment has been forwarded to the recipient, a remittance advice email will be automatically sent to you and your payee provided you have selected Yes within the Send Email field during the payment creation process.

To ensure your payments are processed the next business day, make sure to process them before 6pm AET.

If your card is issued in Australia, payments will not be treated as a cash advance.

If the card is issued outside of Australia, the payment may be considered a cash advance, and interest charges may apply.

Yes, you can easily add, remove, and manage all your payment cards through the platform.

However, bank accounts cannot be linked directly, and Bank Transfer payments require manual processing via EFT or PayID.

Yes, we regularly offer special deals and promotions for both new and existing customers. Be sure to check your inbox for the latest offers from Payment Logic and our partners.

Yes, we email payment receipts immediately after each transaction is processed. These receipts can be used for tax purposes.

Yes, you can process payroll using a Visa, Mastercard, or Bank Transfer.

No, your suppliers do not need a Payment Logic account. You can make payments to any approved payee, including those who don’t use Payment Logic, as long as the payment type and industry are not restricted.

You can find information about the rules pertaining to Payment Logic, here.

Payment Logic is a free-to-use platform, with no subscription fees or ongoing commitments. If you’d like to close your account, we can deactivate it for you.

To proceed with closing your account, just send a request to support@paymentlogic.com.au.

At this time, Payment Logic is only available to businesses registered in Australia with a valid Australian Business Number (ABN). If you represent a business with an ABN, you can open an account with us.

Payment Logic is designed to give you flexible, valuable options that support your business’s financial goals. We recommend consulting your tax adviser for personalised advice regarding the deductibility of Payment Logic fees.

Payment Logic does not currently have a mobile app.

Integrations

Payment Logic integrates with Xero and MYOB (AccountRight), streamlining your payment and reconciliation processes.

Our integrations with Xero and MYOB (AccountRight) automatically sync your unpaid invoices to the Payment Logic platform. You simply select the bills to pay, authorise the transactions, and for payments made via card, the bills are automatically marked as paid in your accounting software. Processing fees for card payments are also automatically generated and reflected in your software, streamlining your reconciliation process.

Yes, with our integrations, you can effortlessly process multiple payments at once. The integrations automatically sync your unpaid invoices, enabling you to pay all of your bills in just a few clicks!

Yes, when you process payments via card whilst using one of our integrations, your bills are automatically marked as paid in Xero or MYOB (AccountRight). Processing fees for card payments are also automatically generated and reflected in your software, streamlining your reconciliation process. This ensures your records are always up to date, reduces manual entry, and simplifies the reconciliation process.

Not at all! Once connected to your accounting software, Payment Logic automatically imports your unpaid bills and populates the payment details, saving you time and minimising errors. If necessary, you can easily review and edit the details before finalising the payment.

To link to Xero or MYOB (AccountRight), follow the steps as listed below:

  1. Login to the platform.
  2. Select Account in the left hand menu.
  3. From the drop down options, select Accounting Integration.
  4. Select from either Xero or MYOB.
  5. Continue as prompted.
  6. Once you have connected your account you will need to map a number of data fields to ensure that reconciliation of payments is smooth and efficient.
    • Payment Account Code Field. Select the account code to be used when updating your Bills after they are paid. Normally, this will be the card you are using to make payments on our portal (e.g. American Express Business Platinum).
    • Processing Fee Account Code Field. Select the expense code for our processing fees. The list of expense codes available for selection is based upon your chart of accounts (e.g. 400 Bank Fees). 
  7. Lastly, select the Update button to save and finalise your selections.

Please be aware that as of now, payments made via Bank Transfer are not automatically reconciled within your Xero or MYOB (AccountRight) account. Manual reconciliation is required to match Bank Transfer payments with corresponding transactions in your account accurately. 

Follow these simple steps to create payments using an Accounting Integration:

  1. Login to the platform.
  2. Select Create Payment in the left hand menu.
  3. Select Supplier Invoices.
  4. Select Xero or MYOB.
  5. Select which bills you would like to pay. After you have chosen the bills you want to pay, our system checks that we have all the required Payee data in our system. If Payee details are missing, then the integration allows you to synchronise Contact data with Payee records in the portal. If the missing details are not found, then we will ask you to fill in the missing details on screen.
  6. Proceed to selecting your payment method, then Authorise and Process the payment(s).

Security

At Payment Logic, the security of your financial transactions is our top priority. We implement a range of advanced measures, including real-time fraud monitoring, encryption, and compliance with industry regulations, to ensure your payments are always secure.

Yes, we are fully PCI DSS compliant. We maintain annual Reports on Compliance (RoC) and Attestations of Compliance (AoC) to ensure secure payment processing and uphold the highest industry standards for payment security.

We use advanced encryption technologies to protect your sensitive data at every stage of the transaction process. This ensures that your information remains secure, from the moment you input it to the final transaction confirmation.

Payment Logic uses a real-time fraud monitoring system that detects and prevents unauthorised activity, helping to safeguard your account and payments from fraudulent transactions.

Yes, we operate under an Australian Financial Services License (AFSL) and meet strict regulatory standards for data and transaction security. This ensures that all aspects of our payment platform comply with Australian regulations for financial services.

We adhere to Know Your Customer (KYC) and Know Your Business (KYB) regulations to verify the identity of our customers and businesses. This helps prevent fraud and ensures transparency, while fostering long-term, secure relationships.

Multi-factor authentication (MFA) enhances your account security by requiring an additional verification step, such as a code sent to your mobile device. This extra layer of protection is used to access your Payment Logic account, make changes to payees, and process transactions, ensuring your account remains secure.

We implement several measures to protect your account, including IP address security protocols, MFA and automatic session timeouts after periods of inactivity. These features help prevent unauthorised access to your account.

Payments are securely processed and funds are held in settlement accounts with two of Australia’s largest banks. Additionally, we use card tokenisation technology, which ensures that your full card number and CVV are never stored, further safeguarding your payment information.

Payment Guardian is an additional layer of protection that goes beyond traditional bank regulations. It incorporates 8 unique rules that verify vendors, check disbursement details, prevent duplicates, and enforce authorisation workflows, ensuring that all transactions are properly verified.

We provide ongoing security training for our staff and regularly review our security protocols to address emerging threats. This helps us maintain the highest level of security awareness and ensures that your information remains protected at all times.

Rewards Accelerator

With Payment Logic, you can earn bonus points through any of our Reward Program partners, including:

  • Qantas Business Rewards
  • Singapore Airlines KrisFlyer
  • Virgin Australia Business Flyer
  • Velocity Frequent Flyer

When processing payments through Payment Logic, you can earn points multiple times on a single payment:

For card payments, you can earn points in three ways:

  • Full points from your card’s rewards program.
  • The standard point earn rate:
    • 1 point per $10 for Qantas Business Rewards, Virgin Australia Business Flyer, and Velocity Frequent Flyer.
    • 1 mile per $15 for KrisFlyer.
  • Up to 10 additional points per $1 when you opt-in for the Rewards Accelerator feature.

For Bank Transfer payments, you can earn points once, with the potential to earn up to 10 points per $1 when you select your preferred Rewards Accelerator tier.

You can earn an uncapped amount of bonus points with Payment Logic!

The total number of bonus points you earn depends on factors like the size of your transaction and the Rewards Accelerator tier you choose. With higher transaction amounts and selecting a higher tier, you can maximise your bonus points and earn more rewards with each payment.

When you fund your payments with a card, you will earn the full points from your card’s rewards program as well as the standard point earn rate of 1 point per $10 for Qantas Business Rewards, Virgin Australia Business Flyer and Velocity Frequent Flyer or 1 mile per $15 for KrisFlyer – all at no extra cost to you.

The Rewards Accelerator empowers you to maximise your rewards by choosing from up to 8 reward tiers on each payment, earning up to 10 bonus points per $1 spent, uncapped—up to 10 times more than any other offering in market. If you fund your payments with a card, you will also earn the full points from your card’s rewards program as well as the standard point earn rate of 1 point per $10 for Qantas Business Rewards, Virgin Australia Business Flyer and Velocity Frequent Flyer or 1 mile per $15 for KrisFlyer. This flexible system helps you tailor your reward potential to accelerate your points accumulation and align with your travel goals.

You automatically gain access to the Rewards Accelerator when you sign up to Payment Logic.

To use the Rewards Accelerator, start by connecting to a Reward Program. Once connected, log in to the platform, create your payment, and enter the necessary details. On the Processing page, simply adjust the Rewards Accelerator tier using the dropdown or slider, which will update the bonus points and associated fee in real-time. When you’re satisfied with your selection, just authorise and process the payment to maximise your rewards.

With Payment Logic, you automatically earn standard bonus points at no extra cost: 1 point per $10 for Qantas Business Rewards, Virgin Australia Business Flyer and Velocity Frequent Flyer or 1 mile per $15 for KrisFlyer on card payments and 1 point per $4 paid via Bank Transfer. If you choose to earn additional rewards, you can opt into the Rewards Accelerator, which charges a percentage-based fee depending on the selected tier. You can explore more about our processing fees, here.

If your card is a rewards earning card, you will earn points on both the bill amount and the processing fee. Plus, when using a card with Payment Logic you earn bonus points on the bill amount at 1 point per $10 for Qantas Business Rewards, Virgin Australia Business Flyer and Velocity Frequent Flyer or 1 mile per $15 for KrisFlyer as standard with the option to earn up to 10 additional points per AU$1 when using the Rewards Accelerator. 

For payments made by Bank Transfer, points are earned on the bill amount but not on the processing fee.

You can explore more about our processing fees, here.

When making a payment, simply choose Bank Transfer as your payment method and select your preferred Rewards Accelerator tier.

We credit the points to your nominated reward program account once the payment is successfully processed to your payee. Points should appear in your reward program account within 2-5 business days.

You can view your points balance via your Points Activity Statement in the Rewards Portal of your connected Reward Program.

Follow these simple steps to connect to a Reward Program:

  1. Log in to your Payment Logic account.
  2. Select Account from the left-hand menu.
  3. From the dropdown options, click on Reward Program.
  4. Choose your preferred Reward Program:
    • Qantas Business Rewards: If you already have a Qantas Business Rewards account linked to the ABN of your Payment Logic account, it will be automatically connected. If not, you’ll be prompted to create one for free.
    • Singapore Airlines KrisFlyer: Enter your KrisFlyer Membership Number, First Name, and Last Name.
    • Virgin Australia Business Flyer: Enter the ABN/ACN associated with your Virgin Australia Business Flyer account.
    • Velocity Frequent Flyer: Enter your Membership Number, First Name, and Last Name.

If you’re not yet a member of your chosen program, simply follow the prompts to join for free.

If you cannot link your account in the Reward Program section of the Payment Logic platform, please contact support@paymentlogic.com.au so that we can investigate the issue.

Please allow up to thirty (30) days for your points to be reflected in the Rewards Portal of your connected Reward Program. If your points are still not showing after thirty (30) days, please email support@paymentlogic.com.au with your Payment Logic account details and the date of payment.

Getting Started

General

Getting Started

Getting started with Payment Logic Personal is easy.

To begin, download the app by clicking on the relevant link below:

  1. Login to the Payment Logic Personal app and register your details as prompted.
  2. Add your card/s
  3. Enter the BPAY Biller details.
  4. Specify the amount you want to pay.
  5. Select the American Express card you wish to pay with.
  6. Authorize your payment.

To add a card to Payment Logic Personal, simply follow the steps as listed below.

  1. Login to the Payment Logic Personal app.
  2. Select Cards on the Home Dashboard.
  3. Select the plus button located in the top right hand corner of your screen.
  4. Proceed to enter in the details of your card as prompted.
  5. Once the details have been entered, press Save.

To make a payment with Payment Logic Personal, simply follow the steps as listed below.

  1. Login to the Payment Logic Personal app.
  2. Select Pay Bill on the Home Dashboard.
  3. Proceed to enter in the details of your bill as prompted.
  4. Once the details have been entered, press Confirm.

General

Payment Logic Personal is a phone only app, available to anyone located in Australia, that enables you to pay BPAY bills in seconds, using your American Express Card to earn full rewards points

Utilising our app enables you to optimise your cash flow, payment efficiencies and rewards earned on your personal and household expenses.

The value of the points accrued is far greater than the fees charged, especially when redeemed for travel. In fact, many of our clients utilise our app to accrue enough points to completely offset their travel expenses.

In addition to earning the full points from your American Express Card’s reward program for every payment processed, you are able to leverage up to 55 days of interest free cash flow by paying thousands of BPAY Billers with your American Express Card.

The fees are charged per individual transaction and there are no ongoing subscription, account management or hidden fees. You simply pay a percentage of your transaction as a fee when processing.

Payment Logic Personal allows you to pay BPAY-only bills, including (but not limited to):

  • Water
  • Rent
  • Phone and Internet
  • Energy
  • Health insurance
  • Real estate fees
  • Child care and school fees
  • Medical/Hospital

Amex categorises BPAY billers into 3 groups, which dictate payment eligibility and associated processing fees:

  • Personal – 1.25% fee (Incl. GST)
  • Business – Tiered rate
  • Unable to pay through the platform
There are 2 fee structures:
  • Personal Pricing: 1.25% (Incl. GST)
  • Business Pricing: Tiered Pricing
If a client is paying with a personal Amex card to:
  • Personal BPAY biller code – They will be charged at the 1.25% (incl. GST)  personal rate
  • Business BPAY biller code – They will be charged at the tiered business rate
If a client is paying with an Amex Business/Corporate card to either a personal or business BPAY biller code will be charged at the tiered business rate.

Any Australian issued American Express Card

Yes, you will always earn the full reward points associated with your American Express Card’s reward program.

We have undertaken the highest level of PCI Compliance. This includes having an Annual Report on Compliance (RoC) completed by a Qualified Security Assessor (QSA), performing monthly network scans through an Approved Scan Vendor (ASV), and an annual Attestation of Compliance (AoC) form also completed by our QSA.

As part of this ongoing compliance program, our Qualified Security Assessor (QSA) conducts two external penetration tests (you can think of these like “ethical hacks”) on our platform each year. In addition, our software development process and change management systems include security planning as a fundamental part of our application development and maintenance lifecycle.

Here is a summary of some of our key security achievements:

  • We have not experienced any security or data breaches on our platforms to date.
  • We have achieved 100% uptime since our launch in 2013.
  • We use only industry best practices for card data security (all cards are tokenised – which means we don’t store the full card number in our database).

To make sure that your payments are received on time, ensure payments are processed at least 2 business days prior to the due date.

If your payment has been processed (Melbourne time):

  • Before 6pm: will be released the next business day
  • After 6pm: will be released 2 business days later
  • Between Friday (anytime) and Sunday before 6pm: will be released on Monday
  • Sunday after 6pm: will be released 2 business days later

Payments are processed exclusively on business days, excluding weekends. Processing times may also be affected if a payment is placed on hold.

Once we have released the payment on our end, the payee should receive the funds either that night or overnight, depending on their bank.

You are able to pay the ATO through the personal platform, this will be processed at the higher tiered Amex rate. DEFT payments are not allowed.