Payment Logic – The Company

  • We are an Australian company operating in Camberwell Victoria, established in 2013

  • We have 5000+ customers and are currently processing > $900m in payments per year

Relationship with American Express

  • Strategic partnership between American Express and Payment Logic established in 2013

  • Payment Logic platform is used exclusively for American Express customers, accepting only American Express credit and charge cards. No other card issuer product is presented or accepted on our platform

Core Propositions for American Express customers

  • We help businesses optimise their Cash Flow by utilising American Express commercial cards for any supplier, rental, contractor and payroll payments 

  • We help businesses maximise American Express membership reward points that are tax advantageous for business or personal use

  • We help businesses negotiate the best possible early payment discounts from suppliers

  • We ensure the best practices in compliance and security processes

  • We do all the above on a client friendly and innovative cloud platform which is updated at least fortnightly

  • Our clients love the simplicity and time saving aspect of being able to make all of their payments through one platform


The table below outlines our current pricing that is in place for all payments made on the Payment Logic platform:


Payment Tiers

Payment Logic Processing Fees (excluding GST)

$0 - $29,999.99


$30,000 - $99,999.99


$100,000 - $499,999.99


$500,000 - $999,999.99


$1,000,000 - $1,999,999.99 





  • All processing fees are exclusive of GST.
  • The Payment Tiers use individual customer payments, not transactions comprising of multiple payments.
  • The Payment Tiers use individual customer payments, and do not include the processing fee.
  • All processing fees will be automatically calculated and applied as per the current process.
  • Only applicable to American Express customers who have been approved by Payment Logic.


  • We can sign up, activate and authorise a business electronically within 1 hour (24 hour max). To start just go to and click on “sign-up”

  • Payments can be made in our portal on the same day as being set-up. It only takes a few minutes to make a payment

  • Bulk Payees details and batch payments can be loaded via an ABA file, XLS file or direct import from Xero - we do not have a maximum number of payments that can be submitted via file upload

  • Suppliers are paid within 24-48 hours depending on the receiving bank / financial institution

  • Data can be imported / exported from our system to utilise your existing accounting software such as SAP, MYOB, Xero, Quickbooks and other leading accounting software

  • We have a direct integration with Xero for payee and payment imports, with a push back to Xero for Approved payments


Payment Types

  • We can make payments to an Australian BSB and Bank Account number

  • We can make payments to BPAY Billers

  • We can make all Australian domestic B2B supplier payments

  • We can make salary/wage payments to contractors/subcontractors (requires an ABN)

  • We can make superannuation payments

  • Australian Taxation Office payments (BAS) for full points

  • State Revenue Office payments for full points

  • We can scale to any number of payments as we do not have a cap on the number of payments that can be made through the platform

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