Program rules · Published 13 November 2026
Smithies Rewards terms
Free membership, points from eligible payments and rewards across your linked Smithies businesses.
Joining the program
Membership is free and uses your Smithies Payments account. An active account with a verified email is required. You can join through the customer portal or Rewards Hub, or ask an administrator to enrol your account. Your membership and points activity appear in Account History.
Earning points
New eligible payments earn 5 points per A$1 after refunds. Points are calculated by multiplying the net payment in cents by 5, dividing by 100, and rounding down to whole points. Payments made before the earning-rate change retain the previous rate of 1 point per A$1. Previously awarded payments retain their saved rate, including when refunds are processed. Payments made using account credit do not earn points.
Eligible historical payments can be included once they are verified and linked to your account. Payments belonging to an unregistered customer are not spendable Rewards points until account ownership is verified. Cash, bank transfers and other manually recorded payments require verification and may require staff approval. An invoice marked paid without verifiable payment information does not by itself establish eligibility.
Your welcome bonus
New Rewards members receive a once-only bonus of 50 points per account. The bonus is added when the first business wallet is linked. If there is no business wallet yet, the bonus remains pending. Repeated sign-ins, repeat enrolment and additional business wallets do not create another welcome bonus. Existing Rewards members do not receive a new-member bonus again.
Business wallets and reward values
Each business has its own points balance and reward catalogue. Points cannot be transferred between businesses. Points are not cash. The points cost and any invoice-credit value are shown separately on each reward; 50 points does not automatically mean A$50 of credit.
Redeeming rewards
You must have enough available points in the relevant business wallet. Points are reserved immediately when you redeem. Stripe invoice-credit rewards are approved automatically and processed against your linked Stripe customer account for that same business. A credit is confirmed only when Stripe confirms the transaction.
Invoice credit is added to the Stripe customer invoice-credit balance. It is not a cash payout or a refund to a card. Other rewards require staff approval and fulfilment. Declined requests return their reserved points.
Processing, retries and corrections
Credit processing may take time. “Processing credit” means confirmation is still pending. “Needs attention” means staff must review the saved operation. Do not redeem again to retry the same reward; contact Smithies through your usual support channel and provide the reward reference. The system reuses the saved redemption reference when reconciling a credit.
Refunds reduce the points earned from the original payment. This can reduce an account balance below zero and prevent further redemptions or credit processing until resolved. Staff may add or remove points to correct an account, with a recorded reason visible in Account History.
Syncing and account history
Automatic payment syncing runs approximately every five minutes. You can also request a new-payment sync or a full-history sync in the portal. Processing time depends on the number of records and service availability. Account balances and history refresh automatically while the relevant portal page is open; updates may not appear instantly.
For a question or correction, contact Smithies through your usual support channel with the payment or reward reference. These program rules do not limit rights that apply under Australian consumer law.