The smarter way to make payments.
Use a pre-approved line of credit to pay suppliers, staff payroll, contractors, rent, or other business expenses, while earning frequent flyer points on every eligible dollar spent*. Fast, flexible, and purpose-built for the health and dental care industries.
Speak to a healthcare finance specialist
Access up to $200,000 in working capital without the paperwork.*
Earn up to 1.125 points for every $1 spent on fees or supplies.*
Keep your capital free for what matters most.
Pay suppliers, staff, contractors, and other business expenses easily, on time, every cycle
What is Points4Pay?
Points4Pay is a flexible line of credit that lets you pay suppliers, staff, contractors, rent, and other business expenses, while earning frequent flyer points. You keep your cash flow healthy and get rewarded for every dollar you spend.
Why hundreds of Practitioners like yourself use Points4Pay.
Unlock smarter store payments and better cash flow control.
One platform for all your payments
Pay supplier invoices, payroll, BAS or tax. All from one central digital Wallet, designed for health and dental care businesses.
Built-in flexibility
Access up to $200k in pre-approved credit with flexible terms. Choose your credit days and link your preferred frequent flyer program.
Earn Frequent Flyer Points
Turn every business payment into Qantas Points or Velocity Points. Boost your cash flow and get something back in return.
Turn business spend into travel rewards.
With Points4Pay, you earn Qantas Points or Velocity Points every time you make an eligible payment for your order supplies, or cover other ongoing business expenses*. To start earning, your practice must be registered with one of the following frequent flyer programs.
Calculate your travel rewards.
Discover how many Qantas Points or Velocity Points you earn on your business payments.
Qantas Points
You could earn up to 1.125 Qantas Points for every $1 repaid through your facility with Octet.
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PointsVelocity Points
You could earn up to 1.125 Velocity Points for every $1 repaid through your facility with Octet.
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PointsTurn everyday store payments into powerful rewards.
Fly further, faster
Redeem Qantas Points or Velocity Points for flights to hundreds of destinations. Your business expenses now fund your next escape.
Enjoy premium status
Unlock complimentary airline memberships and upgrades with exclusive perks — including lounge access and concierge support.
Stay in style
Use your points for hotel stays worldwide, from boutique escapes to five-star resorts. Business rewards, personal benefit.
Shop what you want
Convert your points into products, gift cards or experiences through an extensive network of retail partners.
From cash flow gap to rewards in 4 simple steps.
Register your practice
Join Points4Pay and register your practice to access flexible payment options and start earning points.
Set up your Wallet
Choose your preferred rewards program, set your earn rate, and customise how each store and payment behaves.
Make payments
Pay eligible practice expenses like wages, equipment, or tax obligations directly through the Octet Wallet.
Repay and earn points
Repay on your terms and earn Qantas Points or Velocity Points on every eligible payment — aligned to your preferences.*
Built for every healthcare practitioner.
Cover supplies, staff payroll, or contractor payments using a flexible line of credit. Free up working capital while earning frequent flyer points on every dollar spent.
Pay lab fees, consumables, or equipment suppliers with ease. Use pre-approved finance to manage operating costs—and turn every payment into Qantas or Velocity Points.
Restock PBS and OTC inventory or cover wholesaler accounts without cash flow strain. Points4Pay bridges your cash flow gap and rewards you for your day-to-day spend.
From medication orders to surgical equipment—use a smarter way to manage supplier payments. Gain access to credit and enjoy travel rewards as you grow your clinic.
Whether you’re a physiotherapist or an optometrist, use Points4Pay to simplify your business payments—and earn points that take you further.
“Points4Pay is unlike any other line of credit. It lets you pay business expenses, including staff payroll, contractor payments, and non-merchants, while giving you flexibility to choose your credit term, airline program, reward earn rate, and cost to suit your business needs. A pre-approved limit, supported by a seamless payment platform, makes it simple to set up and even easier to use.”