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BOOSTPAY FLEX: PAYROLL WITH POINTS

Extended Payment Terms for Improved Cash Flow

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BoostPay's Payroll with Points service delivers a unique financial advantage that transforms one of your largest business expenses into an opportunity for cash flow management and rewards accumulation. You can now pay all your business costs including payroll and HMRC using your business credit card, fundamentally changing how you manage working capital while earning valuable benefits on every payment.

Extended Payment Terms for Improved Cash Flow

The primary benefit of BoostPay Flex (formerly Payroll with Points) is access to extended payment terms that can reach up to 54 days, depending on your business credit card terms. This extended payment window provides crucial flexibility in managing your business cash flow. Rather than needing immediate funds available when payments including payroll are due, you gain additional weeks to manage your cash position, wait for client payments to arrive, or allocate funds to other business priorities.

This flexibility is particularly valuable during challenging periods. When you're waiting for slow-paying clients, managing seasonal fluctuations in revenue, handling unexpected expenses, or investing in business growth opportunities, the extended payment terms give you breathing room to navigate these situations without compromising your ability to meet payroll obligations. The payment terms effectively provide an interest-free period that bridges the gap between paying your workers and receiving payment from your clients, addressing one of the most persistent cash flow challenges businesses face.

BOOSTPAY FLEX

No Commitment, Complete Flexibility

BoostPay Flex requires no long-term commitment and no minimum usage requirements. You can use the service for a single payment if that suits your immediate needs, or you can make it your standard payment method for ongoing benefits. This flexibility means you control when and how you use extended payment terms based on your current cash flow situation. You're never locked into arrangements that don't serve your business needs.

BOOSTPAY FLEX

No Commitment, Complete Flexibility

BoostPay Flex requires no long-term commitment and no minimum usage requirements. You can use the service for a single payment if that suits your immediate needs, or you can make it your standard payment method for ongoing benefits. This flexibility means you control when and how you use extended payment terms based on your current cash flow situation. You're never locked into arrangements that don't serve your business needs.

Earning Rewards on Payroll Expenses

Simultaneously, every payroll payment processed through your Business Card earns Membership Rewards points according to your card's earning structure. Given that payroll typically represents one of the largest recurring expenses for most businesses, processing these payments through business credit cards accumulates substantial rewards over time. These points provide tangible value back to your business - they can be redeemed for travel, converted to statement credits, used for business purchases, or transferred to airline and hotel partner programs.

The rewards you earn represent genuine financial benefit from an expense you're incurring regardless. Unlike discretionary spending where you might question whether a purchase is worthwhile, payroll is a necessary business cost. Earning rewards on this necessary expense adds measurable value without requiring any change to your business operations or additional spending.

FREQUENTLY ASKED QUESTIONS

FAQs

Can I really use my Amex card?

Yes. BoostPay Flex accepts American Express business cards as a funding method for a wide range of business payments — including contractor and worker payroll, supplier invoices, and payments to HMRC. This isn't something most payment providers offer, because standard payment rails don't support card funding. BoostPay has built Flex to make it possible.

Will I earn Membership Rewards points on Flex payments? 

That depends on your American Express card and its rewards structure. In most cases, Flex payments are processed as standard business expenditure, which means they're treated the same as any other card transaction for rewards purposes. We'd recommend confirming with American Express directly, as card terms vary.

What American Express business cards does Flex accept?

Flex works with American Express business credit cards. If you're unsure whether your specific card is compatible, the BoostPay team can confirm before you set anything up.

Can I really use my Amex card?

Yes. BoostPay Flex accepts American Express business cards as a funding method for a wide range of business payments — including contractor and worker payroll, supplier invoices, and payments to HMRC. This isn't something most payment providers offer, because standard payment rails don't support card funding. BoostPay has built Flex to make it possible.

Will I earn Membership Rewards points on Flex payments? 

That depends on your American Express card and its rewards structure. In most cases, Flex payments are processed as standard business expenditure, which means they're treated the same as any other card transaction for rewards purposes. We'd recommend confirming with American Express directly, as card terms vary.

What kinds of payments can I make?

Flex works with American Express business credit cards. If you're unsure whether your specific card is compatible, the BoostPay team can confirm before you set anything up.

Why use Amex instead of bank transfers?

Bank transfers draw immediately on your cash. Paying through American Express means the cash stays in your account until your card statement is due, giving you additional time to manage your working capital without delaying payments to workers, suppliers, or HMRC. For businesses juggling multiple payment obligations at once, that difference in timing can be significant.

Can I use Flex for my HMRC payments?

Yes. Flex can be used to fund business payments to HMRC, which makes it a useful tool around tax deadlines when cash flow is under particular pressure. Speak to the BoostPay team about how this works in practice for your specific payment obligations.

Does BoostPay charge extra for payments made by American Express?

Speak to the BoostPay team about the current fee structure for Flex. Pricing is discussed as part of the onboarding conversation so you have a clear picture before committing.

Why use Amex instead of bank transfers?

Bank transfers draw immediately on your cash. Paying through American Express means the cash stays in your account until your card statement is due, giving you additional time to manage your working capital without delaying payments to workers, suppliers, or HMRC. For businesses juggling multiple payment obligations at once, that difference in timing can be significant.

Can I use Flex for my HMRC payments?

Yes. Flex can be used to fund business payments to HMRC, which makes it a useful tool around tax deadlines when cash flow is under particular pressure. Speak to the BoostPay team about how this works in practice for your specific payment obligations.

What kinds of payments can I make?

Speak to the BoostPay team about the current fee structure for Flex. Pricing is discussed as part of the onboarding conversation so you have a clear picture before committing.

Is Pay by American Express available to all BoostPay clients?

Flex is available to businesses and employers working with BoostPay. If you're not yet a BoostPay client, you can discuss Flex as part of your initial conversation with the team. Contact us to find out more.

Do I need a business credit card?

Yes. You will need to have a business credit card to use Flex. If you don't have one, the BoostPay team can introduce you to the major card providers including American Express and Capital on Tap.

How long does payment take?

American Express card payments need to be made 4 days prior to the date when you need payments to be made. Most of other cards, need 2 days for payments to clear before we make payments on your behalf.

Is Pay by American Express available to all BoostPay clients?

Flex is available to businesses and employers working with BoostPay. If you're not yet a BoostPay client, you can discuss Flex as part of your initial conversation with the team. Contact us to find out more.

Do I need a business credit card?

Yes. You will need to have a business credit card to use Flex. If you don't have one, the BoostPay team can introduce you to the major card providers including American Express and Capital on Tap.

What kinds of payments can I make?

American Express card payments need to be made 4 days prior to the date when you need payments to be made. Most of other cards, need 2 days for payments to clear before we make payments on your behalf.

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Eileen Breeze

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A construction site in progress with scaffolding and building materials visible in front of a multi-story building under construction.

GET IN TOUCH

DISCUSS YOUR PROJECT

Speak with our team to explore your project needs and how we can help deliver it — efficiently, safely, and at scale.

Eileen Breeze

Managing Director