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Exclusive for Capricorn members
Make Payments.
Earn Points.
Keep your cash longer.
A easy to use platform that turns Every business payment into reward points.
Built for
Members
Manage, match and reconcile faster with less effort
Built for
Members
Even if they don’t accept cards
Built for
Members
Earn Capricorn + credit card points on everything you spend
Built for
Members
Capricorn + standalone suppliers, all unified
Built for
Members
Works seamlessly with your existing account
Built for
Members
More flexibility. More Control. More return.
Turn supplier payments into a cash flow advantage
Pay any supplier with your credit card
Keep cash in your business longer
Earn rewards on every payment
Stop wasting business spend
Stop paying bills by bank transfer. Turn your overheads into points and keep your cash in the business longer.
Fix your “waste” today.
Tax & BAS Payments – Stop paying the ATO with stagnant cash; use Spenda Pay to earn rewards on your largest tax obligations.
Payroll & Super – Turn your biggest monthly expense into a massive points-earner while keeping cash in your account for 45 days longer.
Non-Trade Expenses – Rent, utilities and specialised parts from outside the Capricorn network are currently “dead spend.” Start earning on all of them.
Freight & Logistics – Don’t let shipping costs drain your margins. Pay any transport supplier by credit card and reclaim that value as trade rewards.
Trusted by hundreds of Capricorn members.
“So as a small business, we’re always looking for efficiencies. And I think the ability to match an already entered invoice without having to do a manual check within the allocated account is amazing to us.”
“
“So as a small business, we’re always looking for efficiencies. And I think the ability to match an already entered invoice without having to do a manual check within the allocated account is amazing to us.”
“
“So as a small business, we’re always looking for efficiencies. And I think the ability to match an already entered invoice without having to do a manual check within the allocated account is amazing to us.”
“
“So as a small business, we’re always looking for efficiencies. And I think the ability to match an already entered invoice without having to do a manual check within the allocated account is amazing to us.”
“
“So as a small business, we’re always looking for efficiencies. And I think the ability to match an already entered invoice without having to do a manual check within the allocated account is amazing to us.”
“
What does this mean for me?
The Admin/Bookkeeper
Eliminate the manual grind of invoice entry. Drop bulk invoices into Spenda for instant digitisation and automated reconciliation with your accounting software. Save hours every month by streamlining payments into one dashboard, making end-of-month stress a thing of the past.
The Working Owner
Stop letting your overheads go to waste. As the person who makes the big calls, you deserve to turn every payment into Capricorn points, Credit Card points and a 45-day cash flow buffer. Reclaim your spend so you can reinvest into your business and family.
How It works?
-
1
Upload
invoices Upload invoices -
2
One-tap
approval One-tap approval -
3
Pay with
your card Pay with your card -
4
Supplier gets
bank transfer Supplier gets bank transfer -
5
Earn dual
rewards Earn dual rewards
Frequently Asked Questions
Is it secure?
Yes, Spenda Pay utilises enterprise-grade infrastructure to ensure every transaction and piece of data is protected with bank-level security. You can process large business obligations like payroll and BAS with total peace of mind, knowing your financial information is handled by a trusted Australian partner.
Will my regular suppliers actually accept these payments?
Yes, because Spenda Pay converts your card payment into a standard bank transfer that arrives in the supplier’s account as usual. Your suppliers don’t need to change a thing, and they will see the funds just as if you had paid them via EFT.
I already have a Capricorn account, why do I need Spenda Pay
Your Capricorn account is great for network parts, but Spenda Pay extends that same convenience to every other bill like rent, utilities, and tax. It ensures you never miss out on rewards or cash flow advantages just because a supplier isn’t in the network.
Is this going to be another time-consuming admin task for me?
Not at all; you simply upload your invoices and approve the payments with a few clicks from your dashboard. Many business owners actually save up to 10 hours a month by consolidating their non-trade payments into one streamlined process.
Is it safe to process my business payroll and BAS through this?
Absolutely, as we utilise enterprise-grade security infrastructure to protect every dollar and data point. You can pay your largest obligations with total peace of mind while finally earning points on expenses that used to be “dead spend”.
What is the catch with the “30-45 days” of extra cash?
By paying via credit card, you utilise your bank’s interest-free period to keep cash in your workshop for up to 30-45 days longer. This gives you a significant cash flow buffer for emergencies or growth without needing to apply for new finance.
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