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BOOSTPAY FLEX: PAYROLL WITH POINTS

Extended Payment Terms for Improved Cash Flow

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BoostPay's Payroll with Points service delivers a unique financial advantage that transforms one of your largest business expenses into an opportunity for cash flow management and rewards accumulation. Through our exclusive partnership with American Express, you can pay all your business costs including payroll and HMRC using your American Express Business Card, fundamentally changing how you manage working capital while earning valuable benefits on every payment.

Extended Payment Terms for Improved Cash Flow

The primary benefit of BoostPay Flex (formerly Payroll with Points) is access to extended payment terms that can reach up to 54 days, depending on your American Express card terms. This extended payment window provides crucial flexibility in managing your business cash flow. Rather than needing immediate funds available when payments including payroll are due, you gain additional weeks to manage your cash position, wait for client payments to arrive, or allocate funds to other business priorities.

This flexibility is particularly valuable during challenging periods. When you're waiting for slow-paying clients, managing seasonal fluctuations in revenue, handling unexpected expenses, or investing in business growth opportunities, the extended payment terms give you breathing room to navigate these situations without compromising your ability to meet payroll obligations. The payment terms effectively provide an interest-free period that bridges the gap between paying your workers and receiving payment from your clients, addressing one of the most persistent cash flow challenges businesses face.

BOOSTPAY FLEX

No Commitment, Complete Flexibility

BoostPay Flex requires no long-term commitment and no minimum usage requirements. You can use the service for a single payment if that suits your immediate needs, or you can make it your standard payment method for ongoing benefits. This flexibility means you control when and how you use extended payment terms based on your current cash flow situation. You're never locked into arrangements that don't serve your business needs.

BOOSTPAY FLEX

No Commitment, Complete Flexibility

BoostPay Flex requires no long-term commitment and no minimum usage requirements. You can use the service for a single payment if that suits your immediate needs, or you can make it your standard payment method for ongoing benefits. This flexibility means you control when and how you use extended payment terms based on your current cash flow situation. You're never locked into arrangements that don't serve your business needs.

Earning Rewards on Payroll Expenses

Simultaneously, every payroll payment processed through your American Express Business Card earns Membership Rewards points according to your card's earning structure. Given that payroll typically represents one of the largest recurring expenses for most businesses, processing these payments through American Express accumulates substantial rewards over time. These points provide tangible value back to your business - they can be redeemed for travel, converted to statement credits, used for business purchases, or transferred to airline and hotel partner programs.

The rewards you earn represent genuine financial benefit from an expense you're incurring regardless. Unlike discretionary spending where you might question whether a purchase is worthwhile, payroll is a necessary business cost. Earning rewards on this necessary expense adds measurable value without requiring any change to your business operations or additional spending.

FREQUENTLY ASKED QUESTIONS

FAQs

What is BoostPay Flex? 

Flex is designed for businesses and employers who want to manage cash flow more effectively without delaying payments to workers, suppliers, or HMRC. It's particularly useful for recruitment agencies managing high contractor volumes, and for businesses in sectors like construction, healthcare, and pharmacy where payroll timing and supplier payment cycles can put simultaneous pressure on working capital.

How does BoostPay Flex work in practice?

When a payment is due, whether that's payroll, a supplier invoice, or a tax payment to HMRC, BoostPay processes it on your behalf and charges your nominated business credit card. The recipient is paid as normal, and you repay the card on your usual billing cycle. The mechanics are the same regardless of what type of payment you're making.

What kinds of payments can I make through Flex?

Flex isn't limited to payroll. You can use it to fund contractor and worker payments, pay suppliers, and make business payments to HMRC. If you have a regular outgoing that puts pressure on your cash flow, it's worth asking the BoostPay team whether Flex can cover it.

What is BoostPay Flex? 

Flex is designed for businesses and employers who want to manage cash flow more effectively without delaying payments to workers, suppliers, or HMRC. It's particularly useful for recruitment agencies managing high contractor volumes, and for businesses in sectors like construction, healthcare, and pharmacy where payroll timing and supplier payment cycles can put simultaneous pressure on working capital.

How does BoostPay Flex work in practice?

When a payment is due, whether that's payroll, a supplier invoice, or a tax payment to HMRC, BoostPay processes it on your behalf and charges your nominated business credit card. The recipient is paid as normal, and you repay the card on your usual billing cycle. The mechanics are the same regardless of what type of payment you're making.

What kinds of payments can I make?

Flex isn't limited to payroll. You can use it to fund contractor and worker payments, pay suppliers, and make business payments to HMRC. If you have a regular outgoing that puts pressure on your cash flow, it's worth asking the BoostPay team whether Flex can cover it.

Who is BoostPay Flex designed for? 

BoostPay Flex is a payment solution that lets businesses fund payments using a business credit card. This includes contractor and worker payments, supplier invoices, and business payments to HMRC. Rather than drawing on your cash reserves, you use your card to make the payment — which means you benefit from your card's payment terms while your obligations are met on time. It works with American Express, Visa, Mastercard, and Capital on Tap.

Do I need a business credit card?

Yes. BoostPay Flex works with all major business credit cards, including American Express, Visa, Mastercard, and Capital on Tap. If you already have a preferred card, you can use it. If you earn rewards or cash back on your card, those benefits apply to Flex payments in the same way they would to any other business expenditure. We can help introduce you to major card providers if you do not have a credit card.

Does using Flex affect how my workers are paid? 

Where you use Flex for your payroll costs, there are no changes to how your workers will be paid. Workers are paid on their normal schedule regardless of your card billing cycle. From their perspective, nothing changes. Flex affects your payment process, not theirs.

Who is BoostPay Flex designed for? 

BoostPay Flex is a payment solution that lets businesses fund payments using a business credit card. This includes contractor and worker payments, supplier invoices, and business payments to HMRC. Rather than drawing on your cash reserves, you use your card to make the payment — which means you benefit from your card's payment terms while your obligations are met on time. It works with American Express, Visa, Mastercard, and Capital on Tap.

Which credit cards can I use?

Yes. BoostPay Flex works with all major business credit cards, including American Express, Visa, Mastercard, and Capital on Tap. If you already have a preferred card, you can use it. If you earn rewards or cash back on your card, those benefits apply to Flex payments in the same way they would to any other business expenditure. We can help introduce you to major card providers if you do not have a credit card.

Does using Flex affect my workers? 

Where you use Flex for your payroll costs, there are no changes to how your workers will be paid. Workers are paid on their normal schedule regardless of your card billing cycle. From their perspective, nothing changes. Flex affects your payment process, not theirs.

Is there a minimum volume of payments required to use Flex?

There's no fixed minimum. Flex is scalable whether you're making a small number of payments or managing a large volume across payroll, suppliers, and tax. Get in touch with the BoostPay team to discuss the arrangement that works for your business.

Do I have to commit to using Flex on a regular basis?

No. You can use Flex as often or as little as you need. Some clients using every week, others use it once to help with a cash flow crunch.

How do I get started with BoostPay Flex? 

Contact the BoostPay team directly. We'll talk through your current payment setup, which card you'd like to use, and how Flex fits into your existing process. There's no lengthy onboarding — most businesses can get up and running quickly once the arrangements are in place.

Is there a minimum payment required?

There's no fixed minimum. Flex is scalable whether you're making a small number of payments or managing a large volume across payroll, suppliers, and tax. Get in touch with the BoostPay team to discuss the arrangement that works for your business.

Do I have to use regularly?

No. You can use Flex as often or as little as you need. Some clients using every week, others use it once to help with a cash flow crunch.

How do I get started with BoostPay Flex? 

Contact the BoostPay team directly. We'll talk through your current payment setup, which card you'd like to use, and how Flex fits into your existing process. There's no lengthy onboarding — most businesses can get up and running quickly once the arrangements are in place.

INTERESTED IN BOOSTPAY FLEX?

FAQs

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DISCUSS YOUR PROJECT

Speak with our team to explore your project needs and how we can help deliver it — efficiently, safely, and at scale.

Eileen Breeze

Managing Director

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