000

Access our Points Calculator here!

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Pay all your expenses with your creditCrypto.comprepaidVisaMastercardDebit card

Free to download, easy to use. No monthly fees and features that help you manage your bills. 

Sniip allows you to pay your personal expenses* with your preferred payment method, even if your supplier doesn't normally accept it.  

*Eligible and restricted/prohibited industries apply

Business payments

*Please note: All American Express payments to the ATO (personal/business/corporate) are required to be processed at our business rates - the best in market. Learn more, here.

*Please note: All American Express payments to the ATO (personal/business/corporate) are required to be processed at our business rates - the best in market. Learn more, here.

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Points Calculator

Calculate how many points you'll earn on payments through Sniip*

*Please note: All American Express payments to the ATO (personal/business/corporate) are required to be processed at our tiered business rates. American Express defines payment as personal vs business based on their industry - this determines the rate required to be applied to the payment. Learn more, here.

Points Calculator

Calculate how many points you'll earn on payments through Sniip*

Total points earned#--
Payment amount$10,000.00
Processing fee (1.29% inc GST)$117.27
GST on fee$11.73
Total$10,129.00

*This calculator is provided as a guide only. Please refer to your card provider for the most up-to-date information. Sniip accepts all payment methods including American Express, Visa, Mastercard, and Diners Club.

The benefits of Sniip

No monthly fees

The Sniip app is free to download. There are no monthly account keeping fees or any other hidden fees.

Secure payments

Sniip is proud to have achieved Tier 1 PCI DSS compliance. Rest assured that your payments are protected by the highest safety and encryption standards.

Set and forget​

Schedule your payments in the app, and have the peace of mind knowing they'll get paid on time. Set and forget!

Earn full points

When you pay your bills with Sniip, you are eligible to earn full reward points on your credit card to government bodies, where you would normally earn reduced points.

FAQ

What bills can I pay with my personal Amex at the personal rate of 1.29%?

As part of our contract with American Express, we are required to determine business vs personal based on the purpose of the payment and the type of industry your biller falls under. 

American Express restricts the personal rate to the following industry categories: 

  • Tax payments (excluding ATO payments) 
  • Telecommunications services
  • Cable and other pay television services
  • Utilities
  • Electric, gas, water, and sanitary
  • Insurance sales, underwriting, and premiums
  • Real estate agents and managers
  • Rentals
  • Parking lots and garages
  • Dance halls, studios, and schools
  • Membership clubs (sports, recreation, athletic), country clubs, and private golf courses
  • Doctors and physicians - not elsewhere classified
  • Hospitals
  • Medical services and health practitioners - not elsewhere classified
  • Elementary and secondary schools
  • Colleges, universities, professional schools, and junior colleges
  • Correspondence schools
  • Business and secretarial schools
  • Trade and vocational schools
  • Schools and educational services - not elsewhere classified
  • Child care services
  • Court costs, including alimony and child support
  • Fines
  • Government Services - not elsewhere classified

If your bill/invoice falls outside of these categories, we can still process your bill, however, we are required by American Express to process the payment at our tiered business rates. 

We appreciate the payment may be a personal payment to you, however we are bound by the category list for personal payments as defined by American Express. 

We are actively working with American Express to broaden these categories. 

Do I earn points on the processing fee?

Absolutely! You earn full points (even at the ATO) on the transaction amount and the processing fee. 

What if you determine my payment to be business, but it’s personal?
Please note: This question only applies to payments made via an American Express card.Sniip doesn't determine rates for payments (we'd love to!). American Express determines the rate required to be applied to a payment based on the following list:American Express restricts the 1.29% rate on a personal card to the following categories (non-business payments):
 
  • Tax payments (excluding ATO payments)
  • Telecommunications services
  • Cable and other pay television services
  • Utilities
  • Electric, gas, water, and sanitary
  • Insurance sales, underwriting, and premiums
  • Real estate agents and managers
  • Rentals
  • Parking lots and garages
  • Dance halls, studios, and schools
  • Membership clubs (sports, recreation, athletic), country clubs, and private golf courses
  • Doctors and physicians – not elsewhere classified
  • Hospitals
  • Medical services and health practitioners – not elsewhere classified
  • Elementary and secondary schools
  • Colleges, universities, professional schools, and junior colleges
  • Correspondence schools
  • Business and secretarial schools
  • Trade and vocational schools
  • Schools and educational services – not elsewhere classified
  • Child care services
  • Court costs, including alimony and child support
  • Fines
  • Government Services – not elsewhere classified
If your payment falls outside of the list as set by American Express, Sniip is required to process this payment at our tiered business rates (from 1.99%). This enables you to earn full points and use your American Express card where it wouldn't be accepted directly.We understand this payment may be personal to you - it's simply how the rates are applied by American Express.The good news  - all rates are clearly displayed before you make a payment and you can always clarify with us before you process the payment.  The rate for personal payments* on a personal American Express cards is 1.29%.Payments to the ATO (including superannuation) are required to be charged at our tiered business rates for all Amex cards.
If I use my business card to make personal payments, will that be charged at 1.29%?
If it is a business card, American Express deems it to be used for business purposes and that would be charged at the business rate. Payments to the ATO, including superannuation, are charged at the business rate when using any American Express card.You may wish to consider applying for the same card in the consumer/ personal version when making personal payments which will earn full points at the 1.29% rate* with Sniip.American Express enables the 1.29% rate on a personal card for the following categories (non-business payments):
 
  • Tax payments (excluding ATO payments)
  • Telecommunications services
  • Cable and other pay television services
  • Utilities
  • Electric, gas, water, and sanitary
  • Insurance sales, underwriting, and premiums
  • Real estate agents and managers
  • Rentals
  • Parking lots and garages
  • Dance halls, studios, and schools
  • Membership clubs (sports, recreation, athletic), country clubs, and private golf courses
  • Doctors and physicians – not elsewhere classified
  • Hospitals
  • Medical services and health practitioners – not elsewhere classified
  • Elementary and secondary schools
  • Colleges, universities, professional schools, and junior colleges
  • Correspondence schools
  • Business and secretarial schools
  • Trade and vocational schools
  • Schools and educational services – not elsewhere classified
  • Child care services
  • Court costs, including alimony and child support
  • Fines
  • Government Services – not elsewhere classified
Can I pay make SME payments now, pay to BSB + Account Number?

You can now pay bills that don’t offer BPAY with Sniip – it’s been our #1 requested feature and it’s now live! 

If your biller doesn’t accept your credit card directly, you can now pay to their BSB & Account Number, even if BPAY is not available.

You can learn how to pay BSB and Account Numbers here.

 

If I’m a sole trader, will I be charged the business, or the personal rate if I pay the ATO?

Payments to the ATO (including superannuation) are required to be charged at the business rate when using any American Express card. If you’re making a personal payment to the ATO on a personal card (other than Amex), you’ll be charged at the personal rate applicable to your card.The good news is, all rates are clearly shown before you make the payment and you can always clarify with us before you process the payment.

The good news is, all rates are clearly shown before you make the payment and you can always clarify with us before you process the payment. 

What is Sniip's criteria for determining what is business and personal payments?
Great question! This applies to payments with an American Express card only.American Express provides us with a consumer list - this defines that payments we're able to apply the 1.29% rate to. It comes down to the payment you’re making and the card you’re using.American Express enables the 1.29% rate on a personal card for the following categories (non-business payments):
 
  • Tax payments (excluding ATO payments)
  • Telecommunications services
  • Cable and other pay television services
  • Utilities
  • Electric, gas, water, and sanitary
  • Insurance sales, underwriting, and premiums
  • Real estate agents and managers
  • Rentals
  • Parking lots and garages
  • Dance halls, studios, and schools
  • Membership clubs (sports, recreation, athletic), country clubs, and private golf courses
  • Doctors and physicians – not elsewhere classified
  • Hospitals
  • Medical services and health practitioners – not elsewhere classified
  • Elementary and secondary schools
  • Colleges, universities, professional schools, and junior colleges
  • Correspondence schools
  • Business and secretarial schools
  • Trade and vocational schools
  • Schools and educational services – not elsewhere classified
  • Child care services
  • Court costs, including alimony and child support
  • Fines
  • Government Services – not elsewhere classified
Payments to the ATO, including superannuation, are required to be charged at the business rate when using any American Express card.If you’re making a business payment, on a business/corporate card, you’ll be charged the applicable business rate.If you’re deemed to be making a business payment on a personal Amex card, you may be asked to supply a copy of your invoice and your transaction will be reviewed.The good news is, all rates are clearly shown before you make the payment and you can always clarify with us before you process the payment.If you have any questions, please call (07) 3268 7710 or email customercare@sniip.com.

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