Pay by card is a payment funding option on the OFX platform that lets you fund a payment or pay your OFX subscription using a credit card. Even when card payments are not accepted by the recipient.

Pay by Card is available for customers in the below regions.

Note: Fees are exclusive of any applicable fees.

Next Steps

Fund a Payment by Card

To fund a payment using your credit card, follow these steps:

1. Log in to your OFX account.

2. Navigate to Payments — click on Payments in the left-hand navigation menu.

   

3. Create or open a payment — click Create payment to start a new payment, or select an existing payment that requires funding.

   

4. Select your funding method — on the payment details screen, locate the Payment method field. From the dropdown, select Credit Card (or Pay by Card). Select it from the list.

   

5. If you are adding a new card, select Add new card and enter your card details:

   • Card number

   • Cardholder name

   • Expiry date

   • CVV/CVC

     

6. Select the other payment information. Refer How do I create a payment?

7. Review the payment summary — confirm the payment amount, recipient details, exchange rate, and any applicable card merchant fee. Certain card providers and payment types may require you to provide recipient industry and upload invoice documents.

   

8. If you pay a bill or an expense, upload the invoice. See the links for relevant articles.

9. Confirm and submit — click Pay to process the payment. You will receive a confirmation notification once the payment has been submitted successfully.

Pay your OFX subscription charges with your card

To pay your OFX subscription using a credit card, follow these steps:

1. Log in to your OFX account.

2. Navigate to Setup — click on Setup in the left-hand navigation menu.

3. Select Billing — locate the subscription or billing section within Setup.

   

4. Update payment method — click Edit under Payment method and select Credit Card. Refer How do I add my credit card details for my subscription? to pay by card for your subscription.

5. Confirmation — you will receive a confirmation that your subscription payment method has been updated. Future subscription charges will be billed to the saved card.

Pay by card to earn rewards

When you use Pay by Card with a rewards-linked credit card (VISA, Mastercard, or AMEX), you may be eligible to earn reward points on your business payments — just like any other card purchase. This means everyday payments such as supplier invoices, tax bills, and operational costs can contribute to your card's rewards or loyalty program. Even if your supplier doesn't accept card payments directly, OFX processes the payment to their bank account on your behalf while charging your chosen card, giving you the opportunity to accumulate points, frequent flyer miles, or other benefits offered by your card issuer. Simply select your rewards card as the funding method when creating a payment, and your transaction will be processed through your card program as usual.

Please note: OFX does not guarantee that you will earn points or accrue other benefits when using Pay by Card. Your ability to earn rewards depends on the terms and conditions of your card's associated rewards program. Please consult your card issuer for details regarding points accrual, redemptions, and availability.

Why is this important:

The Pay by Card feature gives you greater flexibility in how you fund your international payments and manage your OFX subscription. Rather than waiting for a bank transfer to clear, paying by card allows for faster payment processing, helping you take advantage of exchange rates in a timely manner.

Key benefits include:

• Speed — card payments are processed quickly, reducing delays in funding your transfers.

• Convenience — use your existing VISA, Mastercard, or AMEX (Australia only) without needing to set up a bank transfer each time.

• Flexibility — choose the funding method that best suits your business needs at the time of payment.

• Subscription management — easily keep your OFX subscription active by setting up a card as your preferred billing method.

Please be aware that a merchant fee applies to card-funded payments. This fee is separate from the OFX transfer fee and will be displayed clearly before you confirm your payment.

Related FAQ Articles:

• How is the default account funded?

• https://ofx.atlassian.net/wiki/x/JAD8ww

• How do I create a payment?