pay.com.au is the fastest growing fintech in this year’s The Australian Financial Review Fast 100 list. Their platform turns business spending into points which convert to travel loyalty and frequent flyer programs. It has 30,000 customers of which 10,000 have transacted in the last 3 months. It's targeting the 2.6 million SMEs in Australia. It's grown at a CAGR of 385% over the last 3 years to hit revenue of $56.85 million. Pay.com.au will add foreign exchange and receivables next year. All fees charged are paid up front and it takes no credit risk.