澳大利亚小企业利用机票点数削减支付费,引发关于公平与增长的辩论。 Australian small businesses use airline points to cut payment fees, sparking debate over fairness and growth.

澳大利亚小企业越来越多地利用航班常客点数来降低支付手续费,由Pay.com.au和Pointify.com.au等公司提供燃料,帮助优化报酬。 Australian small businesses are increasingly using airline frequent flyer points to reduce payment processing costs, fueled by companies like Pay.com.au and Pointify.com.au that help optimize rewards. 随着航空点贬值和监管变化,包括储备银行计划禁止借记卡附加费和降低交汇费,这一趋势有所增长。 This trend has grown amid airline point devaluations and regulatory changes, including the Reserve Bank’s planned ban on debit card surcharges and lower interchange fees. 批评者说,该制度不公平地将成本转移给普通消费者,因为所有卡片使用者都支付同样的附加费,而高支出奖励使用者受益最大。 Critics say the system unfairly shifts costs to average consumers, as all card users pay the same surcharges while high-spending rewards users benefit most. Pay.com.com.au在看到IPO估值前的6亿美元和2026年美国扩张后,点经济已成为一股巨大的金融力量,在以方案作为抵押品时,甚至超过了大流行病期间的航空市场价值。 With Pay.com.au eyeing a $600 million pre-IPO valuation and U.S. expansion by 2026, the points economy has become a major financial force, even surpassing airline market values during the pandemic when programs were used as collateral.