Paying with the Sniip app is completely free when using a debit card. When using a credit card (Amex/Mastercard/Visa) you’ll pay just 1.5% (incl GST) and earn FULL POINTS on your rewards-based card.
|Debit cards||Amex||Diners||VISA/Mastercard|| VISA/Mastercard |
*All international cards are recognised as credit cards and incur a 3% processing fee.
Short answer, no!
Why? You are essentially making a BPAY payment through Sniip.
Your biller receives the funds via BPAY. If there are no additional fees from the biller for making a BPAY payment, the only fee you’ll pay is the Sniip processing fee of 1.5% for Amex/Visa/Mastercard.
Using a debit card is 100% free in the Sniip app (when paying via BPAY).
There are no app download fees, subscription fees or other hidden fees in the Sniip app.
No, it is not treated as a cash advance.
Sniip is an authorised BPAY Payer Institution Member (PIM). We process your funds through our payment gateway, into a trust account with our banking partner. Once these funds have cleared, we make the BPAY payment on your behalf.
Because the funds are cleared in the trust account, it is treated as a normal credit card purchase, not a cash advance.
If you have a rewards credit card, you will earn points on the first leg of the transaction (payment into trust account) even if your payment method is not accepted by your biller.
Each BPAY biller is reviewed by Sniip to ensure it is in a permitted industry. This process is completed within one business day of you adding that biller for the first time into Sniip.
Due to the risk profile of certain billers, Sniip has initially restricted certain sectors.
These categories include:
- Remittance service provider
- Charities and Not-for-Profit
- Pay-day lenders
- Internet gambling
- Goods dealers
- Foreign exchange currencies
- Securities and derivatives
- Managed investment schemes
- International business operations
- International students or travel products
- Hiring and leasing
- Banking and financial institutions
Please note: If a biller has been restricted by us, you will receive a ‘blocked biller’ message when you try to process the bill payment.
Using an AMEX
There is a 1.5% (incl GST) processing fee for using any Amex card with Sniip.
Yes. If you have a rewards credit card you will earn FULL POINTS on all your bills at 1.5% (incl GST).
The processing fee for all Amex cards using the Sniip app is 1.5% (incl GST).
When you add a credit card to the Sniip app, we process a $1 charge to authorise your card. Rest assured this amount is refunded in full to your card within 48 hours.
Sure can! Sniip allows users to pay most billers with an Amex card using a BPAY Biller Code and Reference Number.
Please note: Unfortunately DEFT payments are not currently approved with Amex.
Why? There are some additional Amex requirements which we need to satisfy in order to process DEFT payments. We hope this will be available in the future and will let you know as soon as DEFT is available for Amex cards again.
This breaks our heart but we’re working on a solution.
Unfortunately, as DEFT payments don’t allow us to see who the final bill provider is, they are not currently approved with Amex.
Rest assured, we’re working on a solution and hope to turn DEFT payments back on in the near future.
You are still able to use a Visa or Mastercard for DEFT payments. We will let you know as soon as DEFT is available for Amex cards again.
Sniip has a direct partnership agreement with Amex. This allowed our processing fee to drop from 2.2% (2020) to 1.5% (incl GST) (2021 and beyond).
The advantage of using Sniip is that you earn FULL POINTS on all your bills using Sniip (including at the ATO).
Unfortunately, we are restricted from allowing payments to certain billers using credit facilities, as determined by BPAY and our banking partners.
This means, you aren’t able to pay credit facilities with a credit card. At the moment, we do not facilitate paying these billers with a debit card. However, watch this space! We are planning to expand our offering in early 2022, which will include being able to pay credit card facilities with a direct debit card (refer to processing fee, here).
Sniip is the easy way to pay!
Sniip is a free mobile app for iOS and Android that allows you to pay your bills, all in the one place. Sniip supports all payment methods and bank networks, allowing you to pay your bills from one central app. Sniip is bank and card agnostic, meaning you can pay with whichever card or bank you like, for whichever bill you like, in less than 20 seconds.
With Sniip you can pay a bill now, schedule a payment for a later date, create recurring payment or set-up an instalment plan.
Sniip is a payment platform that allows you to pay your personal and household bills with any type of credit/debit card. We pride ourselves on having an app that lets you store all your bills in one place, making bill paying simple and easy.
In 2021, we partnered with Amex to offer a 1.5% fee for its services, in line with using Visa and Mastercard.
Using Sniip’s scan-to-pay feature, you can turn your paper/ PDF bills into digital bills within the Sniip app and pay them directly from your mobile phone.
Once registered, simply scan the BPAY Biller Code/Sniip QR code and confirm your payment using Touch ID/Face ID or a 4-digit PIN.
Sniip makes paying bills quick, easy and convenient!
When paying with Sniip, you can use your digital wallets (Apple Pay/ Google Pay) or you can use a debit, credit, Amex or Diners card.
To do this, tap the ‘wallet’ icon at the bottom of the screen and then tap the “+” icon in the top right-hand corner of the screen. Next, add your card details.
When making a bill payment Apple Pay/Google Pay is the primary payment method.
To change to a card in your Sniip Wallet, swipe on the Apple Pay logo to select your preferred payment method.
Everyone! Sniip is for anyone who wants to save time by managing and paying their bills electronically.
Yes! Sniip is free to download from the app store.
If you’re making a payment using the circular Sniip QR code, the surcharge (if any) is determined by the biller. These will be displayed to you prior to processing any payment.
If making a payment using the BPAY Biller Code and reference number, debit cards are FREE and all credit cards (including Amex) have a 1.5% (incl GST) processing fee.
Sniip is supported on devices running:
- iOS 10 or later
- Android 6.0 or later
To ensure the best experience using Sniip, we recommend updating your app to the latest version.
Great question! Currently, Sniip is only available for download from the app store.
We’re working on a web portal which will be available in the future.
In the meantime, you can download Sniip on your mobile device via the Apple App and Google Play stores.
Great question! Absolutely.
Sniip is secure to use. We encrypt and safely store all data and monitor all transactions through our compliance department.
Credit/debit card information is only sent to verified third parties at the time of payment. Once you make a payment, we require you to verify your identity with your PIN or ID login.
If your bill is one of the 60,000+ billers with a BPAY Biller Code, chances are you can pay it with Sniip!
As a small insight, you can use Sniip to pay your:
- Energy bills
- ATO tax bills
- Rent and body corporate
- Phone and internet bills
- Insurance – car, health, home and contents
- School fees
- Rates and water
- Vehicle registration
There are some restricted industries for billers that we are unable to process. For a detailed list of restricted industries, please see: Why can’t I pay my BPAY bill?
Other bills you can pay with Sniip:
- Sniip has a number of Queensland-based council and utility providers that offer Sniip as a payment option. Look out for the circular Sniip QR code on these bills.
- You can pay selected Australia Post billers via the Sniip app by scanning the AusPost Billpay barcode.
If you need clarity on any particular bills which can be paid with Sniip, please reach out to our Sniip Support Squad and we’ll be happy to help.
You can sign up using your Facebook, Apple or Google account or your email. Select how you want to sign up and follow the prompts. Simple!
You will be required to validate a mobile number as this is required by our banking partners and we may need this to contact you in the case of returned payments.
Unless you have been contacted by one of our Sniip Support Squad, or received a notification in the Sniip app requesting verification, you do not need to verify yourself in the Sniip app.
You can view your verification status under your ‘Account’ in the Sniip app. If we require verification from you, next to ‘Verify Account’ you will see ‘Required’. If it’s blank, you’re all good to keep paying those bills!
If you are asked to verify your account, it’s no worries! You will be notified when your verification has been approved. A little green tick will appear next to your initials or profile photo at the top of the home screen in the Sniip app – yay!
Yes, you need to sign-up with your legal name. Customer protection, card security and fraud prevention are the highest priority at Sniip and, for your security and that of all Sniip users ,we require your legal name to be entered in the Sniip app
Unfortunately at this point, we cannot accept nicknames. However, we are working with our tech team to allow our users to have a legal name and a preferred name (nickname) as part of their Sniip profile.
You can use your Apple Pay/Google Pay wallet with Sniip. Or, you can manually add your cards directly into your Sniip Wallet.
To add a payment method to your Sniip Wallet, tap the ‘Wallet’ icon in the bottom right-hand corner of the Sniip app. If this is your first time adding a payment method, tap the ‘+’ in the payment methods screen.
If you would like to add multiple payment methods to your wallet, tap the ‘+’ in the top right-hand side of the screen.
When making a bill payment Apple Pay/Google Pay is the default payment method.
To change or add card in your Sniip Wallet, simply swipe on the Apple Pay/Google Pay logo to select your preferred payment method.
Firstly, locate a BPAY Biller Code or Sniip QR code on your bill. The code is usually located on the bottom of your bill – this can be an electronic PDF on your computer or a paper bill.
In the Sniip app, tap the blue ‘+’ icon at the bottom of the home screen and tap ‘Scan’.
Select the type of bill you wish to pay from the icons on the bottom of the scan screen (Sniip, BPAY, AusPost).
Position the Sniip/BPAY/AusPost code in the middle of the scan guides and ensure you have ample lighting.
The Sniip app will recognise the code and add a digital version of the bill to the Sniip app ready for payment.
Once you have added your bill in the Sniip app, tap ‘Pay’. Confirm your payment information and complete your bill payment with your Touch ID/Face ID or 4-digit PIN.
Alternatively, you can set a calendar reminder to pay your bill later, schedule a future payment for a later date, create recurring payments or set-up an instalment plan. It’s that easy!
Yes! If you have already installed the Sniip app on your mobile device you can manage your Australian bills from anywhere.
If you are wanting to install Sniip whilst overseas, you will need to make sure your app store country is set to Australia.
Please note: you may be required to complete Sniip’s Know Your Customer (KYC) process when making payments from overseas.
Refer a Friend/Sniip Rewards
If you enjoy using the Sniip app and think your friends might like using Sniip too, we’d love for you to tell them about it. Therefore, if you refer a friend to Sniip, we will give you and your friend a $10 Sniip reward.
For every friend that you refer, you will earn a $10 reward to use on your next bill. Now that’s worth spreading the good news about!
T&C’s apply. To learn more please visit the Terms & Conditions page in the Sniip app.
To start referring your friends, log into your Sniip account and tap on the top left-hand menu icon.
Tap ‘Offers’ and then ‘Refer a Friend’.
Tap the ‘Share my code’ and tap ‘copy’ when prompted. You can now copy and paste your code to share with your friends and start earning rewards!
Yes! With the Sniip app, you can pay your ATO bills with a credit card, including Visa, Mastercard or Amex. The only fee you will pay is the Sniip processing fee of 1.5%. The benefit of using the Sniip app is that you can earn FULL POINTS for paying your ATO bill. There are no app download fees, subscription fees or other hidden fees in the Sniip app.
For BPAY payments, Sniip will let the user know prior to confirming the payment when the bill will be processed via BPAY to the biller
This is generally the next business day (unless using a Diners card which takes an extra business day). Sniip will let the user know the date of payment to your biller prior to payment.
The Biller must recognise the BPAY payment as the date that the bill was paid.
For payments utilising the Sniip QR code, Sniip uses the same payment gateway as the relevant biller.
However, each biller may have different transfer timeframes and there may be delays in the funds being received into your billers account.
The cut-off times for Sniip to receive your payment for processing the following day are as follow:
- 11.59pm AEDT Visa/Mastercard
- 6pm AEDT Amex
- 6pm AEDT Diners
Yes! Once you add your bill, simply amend the amount to be paid and pay a part of your bill.
Please note: Unfortunately, certain billers require you to pay the full amount in one transaction. Examples of payments that cannot be paid in instalments include: car registration, fines and licence renewal fees. Sniip will automatically prevent you from partially paying these particular billers.
Absolutely! After a successful payment you will get a transaction receipt which is stored under the History tab of the Sniip app. This receipt can be emailed to you from the app ready for tax time/account reconciliation.
If your payment fails, please check your card details are correct and up to date.
As your information is securely stored, you will only be able to view the last 4 digits of your card in the Sniip app.
You may need to delete your current card in ‘Payment Methods’ and re-enter the card details.
When a payment is made through Sniip it automatically goes into the processing stage. This component of the transaction utilises the BPAY scheme and is subject to the BPAY terms.
A payment may take up to three business days to reach your biller from the time a payment is made.
The cut-off times for Sniip to receive your payment for processing the following day are as follow:
- 11.59pm AEDT Visa/Mastercard
- 6pm AEDT Amex
- 6pm AEDT Diners
Sniip provides you with the flexibility to pay your bills with your own money, in instalments, before your bill is due.
Currently, we do not offer a Buy Now, Pay Later (BNPL) option.
To create a Sniip instalment plan, simply tap on the bill you wish to pay and tap ‘Schedule’, then tap ‘Create Instalment Plan’. You can then set-up a bill due date and the number of instalments you wish to pay. Simple!
Unfortunately no, but we’re working on it.
We currently only facilitate payments with companies that provide a BPAY Biller Code.
Rest assured, we’re working towards allowing direct bank transfers to and from accounts.
To remove a payment method, tap the wallet icon in the bottom right-hand corner. In the ‘Payment Method’ screen, tap the blue ‘Edit’ icon at the bottom of your screen.
Tap the ‘trash’ icon in the top right-hand corner of the screen and follow the prompts to remove your payment method.
Unfortunately, we are restricted from allowing payments to certain billers using credit facilities, as determined by BPAY and some of our banking partners.
Sniip has no transaction limit. There are however, minimum and maximum payment amounts determined by each biller.
If you are making a large payment and are getting a declined message even though you believe you have the funds available to make the payment, we would suggest contacting your financial institution.
If your financial institution identifies a large transaction that seems out of the ordinary, it may be stopped or flagged as fraudulent. Once you contact your bank and explain that you are making a transaction via Sniip they should enable the transaction. If you have any questions or wish to discuss your transaction, please contact the Sniip Support Squad or call (07) 3268 7710.
Unfortunately Sniip is unable to issue refunds. All refunds must be initiated by your biller. Please contact your biller directly to request a refund for your payment.
If the payment has already been processed by Sniip, you will need to contact your biller directly.
When you add a bill into the Sniip app, you may schedule a payment for the due date. BPAY payments need to be made three days prior to the due date to ensure that the biller will receive and reconcile the payment. This is set-up as a default to ensure your bill is paid on time (but can be amended by you).
If you are having difficulties scanning your bill, try some of the following troubleshooting steps:
- Make sure there is ample light
- Try holding your phone closer/further away from the code
- Clean your phone camera lens
- Ensure you have selected the type of bill (Sniip, BPAY, AusPost, etc.) via the icons on the scanner screen
- Ensure you are scanning a Sniip QR code/ BPAY Biller Code or AusPost Code.
If you are opening a PDF of your bill on your phone, simply tap the ‘import’ icon, then tap ‘Sniip’.
A copy of your bill will be added to the Sniip app ready for payment.
Great question! Tap and hold your finger over the bill you wish to delete.
A delete banner and icon will pop up, tap ‘delete’ to confirm removing your bill.
Great question! Your payment security is our top priority.
We ensure all payment data entered into a Sniip application or transmitted as part of a transaction is managed with the highest level of security. At Sniip, we’re proud to have achieved full Tier 1 PCI DSS compliance — the same standard that Australian banks comply with.
We sure are! At Sniip, we’re proud to be certified Tier 1 PCI DSS Compliant. This is the same standard that an Australian bank must comply with.
As part of Sniip’s Know Your Customer (KYC) requirements, we may ask you to verify your identity . Sniip is a regulated Bill Payment Service provider and we are a member of BPAY. This requires us to undertake significant compliance assessments in order to provide our service.
As part of this commitment, Sniip is required to identify our customers and verify that their information is correct for the purpose of addressing Anti Money-Laundering/Counter-Terrorism Funding risk, fraud and misappropriation risk, as well as requirements imposed by our banking and regulatory partners.
Sniip is fully PCI compliant (Tier 1) and protects all Sniip user information with the same level of security as payment card details. That is why we will never email you to provide these details, only submit them via the Sniip app.
In order for us to verify your identity we require a copy of your valid Australian Driver Licence or Passport which clearly shows your full name, date of birth and photograph.
If you have any questions, please contact our Sniip Support Squad or call (07) 3268 7710 and one of our friendly team members will walk you through the process.
Your credit card data is encrypted and securely stored. Credit/debit card details are only sent to verified third party payment gateways at the time of payment.
When a user scans or pays via the BPAY Biller Code and reference via Sniip, funds are acquired by Sniip the business day after the transaction. The same day Sniip receives the funds, they are transmitted to the service provider via the BPAY network.
We process your funds through our payment gateway, into a trust account with our banking partner. Once these funds have cleared, we make the BPAY payment on your behalf.
Sniip is an authorised BPAY Payer Institution Members (PIM) member.
If you scan the Sniip QR code, payments are processed directly to the service provider.
If you scan the AusPost barcode, payments are processed via Australia Post to the service provider.
Sniip only shares the required transaction information with the service provider you make payments with for reconciliation purposes.
At Sniip, security is our priority. We never share your information with any other third party.
If you lose your phone, don’t worry!
Your credit card details remain secure. Simply download the Sniip app on another device, log in and you will be able to continue using Sniip.
Simply log into your Sniip account and remove that card from your payment methods.
Navigate to your Sniip wallet located in the right-hand corner of your home screen.
In the Payment Methods screen, tap the blue ‘Edit’ icon at the bottom of the screen, tap the ‘Trash’ icon in the top right-hand corner of the screen.
You will be prompted to remove the payment method from your wallet, removing the card permanently from the Sniip app.
General account support
If you are logged into your account and wish to change your password, tap on the menu icon in the top left-hand corner and navigate to ‘Account’. You will be prompted to enter your Sniip pin. From here, tap ‘Change Password’ and follow the prompts.
If you are logged out of your account and wish to reset your password, tap on the ‘login’ icon. Select ‘Mobile’ or ‘Email’ and tap ‘Forgot Password’. Follow the prompts to reset your password.
To reset your PIN, tap on the menu icon in the top left-hand corner and navigate to ‘Account’. Select ‘Change PIN’ and follow the prompts.
To delete your account, tap the menu icon in the top left-hand corner of the Sniip app and navigate to ‘Account’.
Enter your Sniip PIN when prompted. Tap ‘Delete Account’ at the bottom of your account screen, and follow the prompts. Then uninstall the app.
Before deleting your account, we encourage you to email the Sniip Support Squad or call (07) 3268 7710. We would love for you to continue to enjoy the benefits of Sniip and our Sniip Support Squad is always here to assist you.
Sure! If for any reason you have multiple Sniip accounts, please email the Sniip Support Squad to have your accounts merged.
An example of multiple accounts is having one account linked to an email, and a seperate account linked to your mobile number.
Merging your accounts will ensure that no previous bills or transactions are lost, and will be under one account moving forward.
Short answer: Yes!
Long answer: You can use Sniip if you’re outside Australia, however as part of our stringent fraud management protocols, any bill payment that we identify as being paid outside Australia will be flagged for review. In this instance, you will be contacted to verify your account as part of our Know Your Customer (KYC) process.
Once we have verified you as a user and confirmed you are either travelling or living abroad, we will make a note on your account and you can continue to use Sniip to make bill payments. If you are unsure what is an appropriate form of ID, please see here.
We appreciate this can be an onerous task. At Sniip, customer protection, card security and fraud prevention is our highest priority for the safety of all our users!
If you are wanting to install Sniip whilst overseas, please see ‘Using Sniip Overseas’.
Go paperless and choose to receive your bills straight into Sniip. Get a push notification when new bills arrive and have them stored in your ‘To-Do’ list until they’re paid. You’ll never miss a payment again!
If you are unable to register for m-Billing, unfortunately this means your local council doesn’t support our m-Billing service yet. Please contact your council and express your interest in using Sniip to receive future bills via your mobile.
To remove an m-Billing subscription, tap the menu icon in the top left-hand corner and tap ‘m-Billing subscriptions’. Tap ‘Remove’ on the selected subscription.
Get in touch
If for any reason we cannot reply to you immediately, we always suggest shutting the app in the background and then reopening the app, as well as turning your phone off and on again.
Great! At Sniip, your experience is our number one priority. We are always trying to improve the service we deliver in our product roadmap. If you have a suggestion you’d like to see in the app, we’d love to hear it! Please email the Sniip Support Squad or call (07) 3268 7710 to discuss your suggested feature idea.
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