pay.com.au, founded in 2020, lets businesses earn points on their expenses (including ATO bills, rent, supplier invoices and payroll). Those points can be transferred to 10 airlines (including Qantas and Velocity Frequent Flyer) and three hotel programs. It's grown at a CAGR of 385% in the last 3 years to hit revenues of $164 million. It has a team of 70 in its Melbourne office and has recently raised $18 million in funding.