Join Cloudfloat Pro

Cloudfloat Pro$300 a year

Pay every invoice with your card.

Cloudfloat pays your supplier by bank transfer and charges your card at 1.5%, points on every bill. If your card hits its limit, Pro adds up to $10k in funding, so your suppliers still get paid.

Join Cloudfloat ProSee the savings
  • $50m+ processed since 2021
  • Built in Australia
  • Visa, Mastercard and Amex accepted
  • Supplier paid in full by bank transfer, no surcharge
  • Every fee shown before you confirm

How it works

Your supplier never knows a card was involved.

Every invoice follows the same three steps. They get a normal bank transfer, you get the points.

  • Forward it from your inbox, drop in a batch, or type it. We read the supplier, amount and due date. You confirm.

  • 1.5% fee, full points, lands in your Cloudfloat wallet instantly.

  • Same day, with your invoice reference, plus an email so they know it's coming.

Cloudfloat Pro gives you a limit of up to $10k on top of your card limit, from day one. Use it two ways. Draw it as working capital, pay the bill in full today, and repay Cloudfloat over six to nine months. Or pay the bill in instalments over time. Either way your supplier is paid now and you keep earning points.

For example: a $5,000 bill arrives and your card is at its limit. Cloudfloat pays your supplier today from your Pro limit, and you repay Cloudfloat by card over the following months. Full points on the whole $5,000.

Calculator

How much could you save? Same card, same points.

Your card

$30,000
Card points per dollarEarn rates are set by your card issuer and vary by card and spend category. Most Amex business cards earn 2 to 2.25.

You’d earn

720,000 points a year

With Cloudfloat Pro

Saving vs othersAgainst the platforms below: the average of what each would cost over Cloudfloat Pro for the same year, to the nearest hundred.
~$2,800
Cost per yearCard fees $5,400, plus the $300 annual membership. Ex GST.
$5,700
Cost per point
0.79c

pay.com.au Premium

Cost per yearCard fees $6,840, plus a $1,980 annual plan fee. From their published Amex pricing, as at 3 September 2026, ex GST.
$8,820
Cost per point
1.23c

RewardPay Gold

Cost per yearCard fees $6,660 at their 1.85% band for this volume, plus a $1,908 annual plan fee. From their published Amex pricing, as at 3 September 2026, ex GST.
$8,568
Cost per point
1.19c

B2Bpay

Cost per yearCard fees ~$8,100. No annual plan fee published. From their published Amex pricing, as at 3 September 2026, ex GST.
~$8,100
Cost per point
~1.13c

Side by side

Not just cheaper. Here's the rest of what you get.

FeatureCloudfloat Propay.com.au PremiumRewardPay GoldB2Bpay
Annual cost$300$1,980$1,908Not published
Card rateA range means the rate varies by card type; Cloudfloat Pro's is the same for every card. Each platform's published pricing, 3 September 2026, ex GST.1.5%0.8% to 1.9%1.25% to 1.9%~2.25%
Bank transferFree1.0% to 1.8%From 0.5%Not published
Supplier paid the day your funds clearYesNot statedNot statedNot stated
Up to $10k funding limitFor when the card is full. Companies get $10,000 from the day they join and sole traders $5,000, and you can apply for up to $500,000.YesNoNoNo
Split an invoice into instalments30 to 120 days, repaid weekly, from 1.5% on top of the card fee.YesNoNoNo
Earn points clearing those instalmentsYesNoNoNo
Redraw a paid invoiceAn invoice you've already paid, turned back into cash over 60 to 120 days.YesNoNoNo
Working capitalDrawn against your limit and repaid monthly, over 6 or 9 months.YesNoNoNo
One rate at any volumeCloudfloat Pro is 1.5% from the first dollar, whatever you put through it. None of the others publishes a single rate that holds at every volume.YesNoNoNo

Points are just the start.

With Pro, funding is 1.5% for the first 30 days, invoicing is 0.4%, and paying overseas suppliers is free.

See everything in Cloudfloat Pro

Beyond points

Where the 1.5% pays for itself.

  • Split what the card can't take

    What the card can take goes on today, the rest splits over 30 days. Your supplier is paid in full, and you earn full points on all of it.

  • Take the early-payment discount

    Settle early by card and take the supplier's discount. It's often worth more than the 1.5% you paid to earn the points.

  • Pay the ATO by card

    Most issuers pay reduced points, or none, on payments straight to the ATO. Through Cloudfloat you earn full points on your BAS and every tax bill.

Don't take our word for it.

Businesses across Australia pay their suppliers through Cloudfloat. Here's what they say about it.

  • Fantastic facility helping out with cashflow highly recommend
    Chris Bartolo
  • We LOVE Cloudfloat! The new features such as emailing invoices to your personalised account, faster processing times, transaction reporting, and staff that are always available, is very reassuring. The platform is very user friendly and easy to navigate. We recommend CloudFloat to anyone looking for a streamlined payment processing system with full transparency. Thank you CloudFloat!
    Kisha O'Connor
  • Since partnering with Cloudfloat, I have been consistently impressed by their outstanding service, professionalism, and genuine dedication to client success. From the very beginning, their team has demonstrated responsiveness, transparency, and a collaborative spirit that truly stands out.
    Blue Diamond Transfers
  • Easy to use platform. Simple Process, resonable fees for the services provided. Highly Recommended.
    Michael Wagstaff, Soar on Wings
  • Amazing app easy to use and keep my finances and payments in order! Totally recomended
    Carolina Castro
  • Very convenient short term funding - do the figures!
    ollie
  • My company operates an On Demand Model, which means we have very busy periods but we also have quiet periods. In quiet periods it's great to know that we can utilise Cloudfloat to manage cashflow. As most small business owners know, cashflow is king and Cloudfloat really helps us to stay on top of our bills.
    Mark Harris, On Demand Delivery
  • Great easy way to pay bills
    Katrina Arkley, Arkley & Co
  • I have been using Cloudfloat for about 12 months. As a small business, when cash flow is light, it has been a saver as I'm still able to process the invoices I need to get stock in to keep the business running.
    Dean De Jesus, Charlies Mates
  • Quick service and the team are helpful
    sasha mccarthy
  • Fantastic, long term experience with Cloud Float. They have enabled us to easily improve cash flow which has allowed us to capitalise on sales and supplier offers. Great support, friendly team, easy to use service.
    Aquatic Supplies
  • Cloudfloat is a valuable tool in assisting small busienss with cash flow and supplier payments - I have used it several times - their dashboard and user interface is simple to use, track your payments and simple to upload invoices for payment. Highly recommend as a valuable tool for small businesses who are lookingto positively mange their cash flow.
    Warren Roberts, Poolwerx
  • Amazing service for any business needs in terms of managing cash flow. Easy to navigate online and the team is helpful and efficient in getting back to you with any queries. Thank you Cloudfloat!
    Courtney Diggelmann, La Gioia
  • Cloudfloat has made managing cashflow much simpler for my business with their invoice repayment options. A great service that offers flexibility and really helps planning your finances.
    Courtney Shelvey
  • So easy to manage cashflow when trade is slow.
    megan luhrs
  • Really happy with Cloudfloat for sending and paying invoices makes cash flow easier
    Amy Hodges, bar3H Equine
  • Cloudfloat is really helpful to have in my back pocket to ease cashflow and survive the ups and downs of the revenue rollercoaster as a solopreneur.
    Leith Hudson, Leithal & Co
  • Easy to use, makes paying suppliers simple.
    Wander Outdoors
  • Super company, helps so much with cash flow
    Jade Woodhead, Carlton Performance Horses

Frequently asked questions

No. They receive a normal bank transfer with your reference, and an email to say it's on the way. Nothing to sign up for on their end.

Yes. Cloudfloat charges your card like any other merchant, so your card earns at whatever rate it earns on business spend, and your statement cycle starts the day you add funds. Points and interest-free days are set by your card issuer, not by us.

$300 a year. That buys the 1.5% card rate, free bank transfers to your suppliers, and a funding limit of up to $10k from the day you join. Instalments, redraw and working capital come with the same membership.

Yes, and it's often the best thing to put on the card. Most issuers give you reduced points, or none at all, on a payment made straight to the ATO, and the ATO charges its own card fee on top of that. Through Cloudfloat you earn full points on your BAS, PAYG and company tax alike, at 1.5%, and a large bill can split over 120 days.

Those are a second layer of points on top of what your card already earns, and they're priced into the rate you pay, at roughly 1 to 1.8 cents each, which is about what they're worth on redemption. We'd rather charge less and let your card earn at the rate you chose it for.

Established Australian businesses GST-registered for at least six months. You can pay any Australian supplier with an ABN, an Australian bank account and GST registration, plus the ATO. A few categories are excluded, including rent to leasing merchants, telecommunications and travel providers.