PAY BY BUSINESS CARD
Pay payroll, suppliers and other business costs by credit card, giving you greater control over cash flow while earning valuable card rewards.
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WHAT WE DO
MORE FLEXIBILITY OVER HOW YOU PAY
Use your business credit card to pay key business costs through BoostPay, from payroll to supplier invoices and other business expenses. Extend your payment window by up to 54 days, protect working capital and earn rewards on money your business is already spending.
Services
What can I pay by business card?
Pay Payroll by Credit Card
Use your business credit card to fund payroll and worker payments, helping you keep people paid on time while retaining cash in your business for longer.
Pay Suppliers by Credit Card
Settle supplier invoices using your business credit card, helping protect working capital while earning rewards on everyday business expenditure.
And other business costs
BoostPay Flex can also support a range of other business payments, including professional services, facilities, technology and other supplier costs.
Practical examples
Consider a logistics firm managing driver payments and fuel costs 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.
Now expand that thinking beyond payroll.
The same firm faces quarterly vehicle insurance of £12,000 plus VAT, annual fleet maintenance contracts of £8,000 plus VAT, and various software subscriptions totalling £3,000. Previously, each required separate payment from cleared funds. Now, all can flow through the same flexible mechanism, extending payment timing while accumulating rewards.
And for IT consultancies, covering contractor day rates and software licensing fees before project milestone payments arrive creates constant cashflow pressure. 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
VAT-inclusive payments deserve specific attention. When you settle a £12,000 invoice comprising £10,000 of services plus £2,000 VAT, the full amount leaves your account immediately. You'll reclaim the VAT eventually, but the timing gap creates working capital pressure.
With a 54-day payment extension, 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 flexible payment window.
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Outsource My Payroll
Managing the payroll for your team is a complex task and takes you away from running your business. Remove the headache of payroll and save time and money by outsourcing the whole process to BoostPay.
Rewards that pay back
Credit card rewards accumulate on every payment, 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.
The solution also suits businesses already using credit cards but limiting payments to travel and expenses. Extending card usage to major payment categories 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 four days' notice 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. And if you want to extend the service to other payments, speak to your account manager.
For new clients, the starting point might be payroll, supplier payments, or a combination – BoostPay Flex adapts to your business needs rather than forcing a particular structure.
Delay the bills. Bank the points. Stay flexible.
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