Some billers are about to stop accepting cards. You can still pay how you want with Sniip.
From 1 October, businesses can no longer add a card surcharge to your bills. Card payments will still come at a cost to the business, so some are choosing to drop card payments altogether.
With Sniip, you can still pay them by Credit Card, Debit Card, Digital Wallets or PayTo Plus+ & more.
So what is changing?
Bank-level security. Your biller gets paid as normal.
What the 1 October changes mean
The RBA handed down its final position on 31 March 2026, after an 18 month review of card payment costs.
No more surcharges
From 1 October 2026, businesses cannot add a surcharge to eftpos, Mastercard or Visa payments, including debit, prepaid and credit cards.
Acceptance for some cards should be lower
Caps on interchange are reduced for consumer credit cards. However, interchange for business and corporate cards remains the same.
Some cards aren’t affected
American Express, PayPal and BNPL are not covered by the RBA changes. However, Amex, JCB and UnionPay have said they will also remove surcharging from the same date.
What is happening?
If your biller was charging you a card surcharge, that goes away. The catch is that the cost has not disappeared, it has just moved onto the business. Some billers will absorb it. Others will simply stop accepting card payments.
Fewer options
A bill you have always paid by card may only allow you to pay via a bank transfer from 1 October. If they do offer card payments, it is possible that their cost of acceptance has been accounted for in a price increase.
Revolving credit facility
Many people prefer to pay bills with their credit card to take advantage of interest-free credit terms, allowing them to better manage cashflow. For many of your bills, this option may not exist after 1 October, unless you pay using Sniip.
Less points
A lot of consumer cards are reducing their points earn from October. With Sniip you can earn additional Qantas Points or Velocity Points, and even boost them using Points Booster.
Pay your bills, your way & earn points.
Sniip is a bill payment platform. You add your bill, choose how you want to pay, and Sniip pays the biller on your behalf. It works whether or not your biller offers card payment themselves, because you are paying Sniip, not them directly.
Bank account
Free. Always available. Does not earn loyalty points.
Credit card, even Amex
Keep paying by card even when your biller has stopped offering it. Earn your card loyalty points as usual.
PayTo Plus+
Pay straight from your bank account and still earn points*. Excellent earn rate on bills.
*Fees apply. See pricing
You see the processing fees of each option before you confirm. Nothing is charged without you choosing it. See our fees
Turn every bill into a points machine.
Earn up to 5 points per $1 on any bill, uncapped, every month. Most billers cap or block points earning on payments to the ATO, rates and some utility providers. Sniip doesn’t.
Stacks on any card
Bonus points on top of your card’s standard earn rate.
Uncapped each month
No monthly cap, boost whenever you want.
Qantas Frequent Flyer or Virgin Australia Business Flyer
Straight to your loyalty of preference.
Built into the app
Nothing to set up, toggle it on per payment.
Calculation based on a $80,000 payment using Points Booster with the Diamond tier choosing Credit Card as your payment method.
What can I pay through Sniip?
Bills, invoices, rates notices, strata levies, memberships and more. If your bill has BPAY details or BSB & Account Number details on it, you can usually pay it through Sniip. Learn more here.
Paying a DEFT bill?Here is how that works with SniipDo you send invoices to your customers?
If you are a business that sends invoices to customers, from 1 October you can no longer recover the cost of acceptance by surcharging. But, with Sniip, you can keep offering card payments to your customers without wearing the cost yourself.
The rules are changing,
not your options.
Download Sniip, keep paying your bills the way you always have, and pick up points while you are at it.