OctetPay

Smart financing and rewards for your business.

A financing solution designed for different types of businesses. Pay and get paid, improve cash flow and earn airline rewards with OctetPay’s line of credit.

Apply in minutes

No setup fees.

A smiling woman and man with an Octet overlay showing a $200k line of credit, Airline Rewards Earnings and uploading files.

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Pre-approved line of credit

Access up to $200,000 in working capital without the paperwork.*

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Direct airline rewards points

Earn up to 1.125 points for every $1 spent on fees or supplies.

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Improve your cashflow

Keep your capital free for what matters most.

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Simplify your ongoing payments

Pay suppliers, staff, contractors, and other business expenses easily, on time, every cycle.

On this page

Why businesses love to use OctetPay

Grow your business and keep earning your usual card rewards with flexible supplier payments.

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Earn airline rewards points

Whether you’re paying or helping your customers pay, every eligible dollar earns Qantas Points or Velocity Points. Business spend that works harder.

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Built-in flexibility

Access pre-approved line of credit with flexible terms. Choose your credit days and link your preferred frequent flyer program.

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One platform for all your payments

Pay supplier invoices, payroll, BAS or tax. All from one central digital Wallet.

Built for different types of businesses.

For a range of industries, OctetPay fits the way your business actually runs. From day-to-day expenses to long-term growth, OctetPay helps you stay in control, plan ahead, and keep momentum, so you can spend less time chasing money and more time moving forward.

Real Estate Agents

Give your agency more breathing room with a flexible line of credit designed to smooth cash flow between commissions, campaigns and day-to-day operating costs. Use it across eligible business expenses and earn airline rewards points along the way, helping every payment work harder for your business.

Read our article on how regulatory reform has impacted cash flow for real estate agencies.

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How it works

From cash flow gap to rewards in 4 simple steps.

Pay any supplier, anywhere, with a fast and straightforward process.

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Register your business

Join OctetPay and register your business to access flexible payment options and start earning points.

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Set up your Wallet

Choose your preferred rewards program, set your earn rate, and customise how each store and payment behaves.

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Make payments

Pay eligible business expenses like rent, payroll, equipment, or tax obligations directly through the Octet Wallet.

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Repay and earn points

Repay on your terms and earn Velocity Points or Qantas Points on every eligible payment — aligned to your preferences*

Turn business spend into travel rewards.

With OctetPay, you earn Qantas Points or Velocity Points when you use your credit facility to pay rent, pay staff, or cover other ongoing business expenses. To start earning, your business must be registered with one of the following frequent flyer programs.

Join Qantas Business RewardsorJoin Virgin Australia Business Flyer

A businesswoman walks with a red suitcase, symbolising business travel and the opportunity to earn frequent flyer points with Octet.

Rates & Fees

Indicative rates and fees

At least 5 days credit term and 1.125 Velocity rewards points per $1 repaid: 1.80% + GST

At least 5 days credit term and 1.125 Qantas rewards points per $1 repaid: 1.98% + GST

Annual Fee: $500

~Subject to final application approval

Smiling people view an payment screen, showing an AMEX, Mastercard, and Visa credit card selected to pay a supplier with OctetExpress.

Simply want to use your credit or debit card to pay suppliers?

OctetExpress can help streamline payments to domestic and international suppliers.

Find out more

The platform behind OctetPay.

Make supplier payments in minutes. Fast setup, simple verification, and total control in one secure platform.

View all Features

Explore the tools powering smarter business

Next-Gen Digital Wallet

Store, manage and move funds with ease. One wallet. Multiple currencies. Full control.

About Digital Walletarrow_forward

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Advanced International Payments & FX

Pay suppliers globally with competitive FX rates and minimal friction. Fast. Secure. Transparent.

About International Paymentsarrow_forward

A smiling businesswoman discusses international payments with a custom FX rate interface visible.

Quick Approval. Less Hassle.

Skip the lengthy onboarding. Our streamlined KYC process gets you verified and ready to make payments in no time.

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Secure Payments

Octet verifies every supplier you pay to ensure funds only flow to legitimate, verified accounts, protecting your business from fraud and compliance risks.

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Bank-Grade Security

Protect every transaction with enterprise-level encryption and multi-factor authentication. Your data stays yours.

About Securityarrow_forward

Two-factor authentication is enabled, showing 'Your data is protected' for secure Octet working capital solutions.

The numbers tell one story. Our customers tell a better one.

“Our Partnership with Octet has been really important for the growth of our business. It takes a lot of expense to launch new brands to market and continue to innovate. Octet have proven for over a decade to be the right finance partner for us.”

Ann Cattelan

CEO, Go Vita

“We want to have showrooms in each major city and be the go-to office furniture supplier. Octet is a partner for the journey of our business life. It’s definitely an ace up our sleeve, whenever we need it. As the business grows I have no doubt we’ll have Octet there.”

Marc Levin

Co-founder and CFO, JasonL

“Our Debtor Finance facility with Octet allows us to offer agile recruitment solutions with cash flow stability, making it possible for us to scale confidently.”

Smart financing and rewards for your business.