Delay the Bills. Bank the Rewards

Every business owner knows the feeling: invoices arriving faster than client payments, suppliers expecting settlement while your cashflow tells a different story. Until now, the options were limited. Negotiate awkward payment extensions, arrange expensive short-term finance, or simply pay and watch your reserves drain. BoostPay Flex offers a different approach. And if the name sounds new, that's because it is.

What's changed?

You may know us as Payroll with Points. The service helped businesses payroll and employee payments using their business credit cards, extending payment timing by up to 54 days while earning rewards on every pound.

BoostPay Flex is the same solution, rebranded.

How it Works

The mechanics remain straightforward. You pay BoostPay using your business credit card. Your supplier or worker receives immediate payment. You settle your card balance up to 54 days later, earning rewards on every pound spent.

We accept all major business credit cards including Corpay, American Express, Visa, Mastercard, and Capital on Tap, giving you flexibility over how you pay and which rewards you earn.

Practical examples

Consider a logistics firm managing driver payments while waiting for clients to settle 45-day invoices. Using BoostPay Flex extends the payment window by up to 54 days, without factoring costs or finance arrangements.

And for IT consultancies, dealing with the complexities of administering a large contractor payroll and juggling the cashflow challenge of project milestone payments. Processing these through a single card payment consolidates the impact and shifts settlement, giving you the flexibility to plan and invest.

The VAT timing advantage

VWith a 54-day payment extension, the arithmetic changes of VAT liabilities can also change. Depending on your VAT return timing, you might actually receive your refund before the card payment falls due. The natural bridging of this gap requires no additional arrangement. It's simply a consequence of the flexible payment window.

Eileen Breeze, BoostPay Managing Director says,

"With up a payment extension of up to 54 days, the arithmetic changes. Depending on your VAT return timing, you might actually receive your refund before the card payment falls due. The natural bridging of this gap requires no additional arrangement. It's simply a consequence of the extended payment window that makes business cashflow simple and gives you added flexibility." 

Points that count

Credit card rewards can accumulate on every payment (subject to your card provider T&Cs), including the VAT portion. For a business processing £40,000 monthly through the solution, that's rewards earned on spending that would happen regardless.

Use rewards for business expenses or personal spending. Unlike other benefits, credit card reward points carry no Benefit in Kind tax liability, confirmed by HMRC as 0%. That means points earned on business spending and used personally are genuinely free value.

Who benefits most?

Businesses facing timing mismatches between payment obligations and income receipts see the clearest advantage. Agencies bridging invoice payment gaps, construction firms managing subcontractor and supplier payments simultaneously, and growing businesses where cashflow hasn't caught up with activity levels all fit this profile. Breaking your payroll costs out of this cycle makes a massive difference to those pressures.

The solution also suits businesses already using credit cards but limiting payments to travel and expenses. Extending card usage to a major cost like payroll maximises both the cashflow benefit and the rewards earning potential.

Getting started

The process requires no credit check or minimum spend commitment. Businesses need a business credit card with sufficient limit and at least two days' notice (or four days for American Express) before payment deadlines. Use it once for a cashflow crunch or every week as standard practice, the flexibility is yours.

For those already using Payroll with Points, nothing changes on your side, you'll simply notice the new name.

For new clients, contact us to find out how moving to a fully compliant payroll service with the option to pay by card can transform your business.

Delay the payroll bills. Bank the points. Add the Flex.