Processing Fees Tiers

If you’re making a personal payment to the ATO on a personal card, you’ll be charged at the personal rate. Payments to the ATO, including superannuation, are charged at the business rate when using any American Express card.

If you have an ABN, you may be classified as a business. If you’re making a business payment with a personal American Express card, you may be charged at the business rate. 

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.

Great question! It comes down to the payment you’re making and the card you’re using. 

If you’re making a personal payment, on a personal card, you’ll be charged the personal rate. 

If you’re making a business payment, on a business/corporate card, you’ll be charged the applicable business rate. 

If you’re flagged as making a business payment on a personal 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. 

We’re really proud of our partnership with American Express and being able to offer the best business rates in the market. 

As part of our contract with American Express, we determine business versus personal based on the purpose of the payment. 

If the purpose of the payment is for business, i.e, to pay a business bill/ invoice/ stock, you’ll be charged at the business rate. 

If you have any questions, please email customercare@sniip.com or phone (07) 3268 7710. 

All rates are clearly displayed before you make a payment and you can always clarify with us before you process the payment. 

The processing fee for personal payments using a personal card is 1.5%, excluding American Express personal cards. The rate for personal American Express cards is 1.29%. 

At the moment, we’re unable to process payments with an American Express card through enabled digital wallets (Apple Pay or Google Pay), as we need to be able to determine the type of American express card you are using for pricing and contractual purposes. 

We’re working to turn this functionality back on as soon as possible. 

In the interim, you can add your American Express to your Payments Methods in Sniip and process the payment using the card.

To add a payment method to your Sniip Wallet, tap on the top left hand menu and select ‘Payment Methods’. 

The first time you add a payment method, you’ll see a ‘+’ in the payment methods screen.

You can explore more about adding a payment method, here. 

Up until October 15, 2022, Sniip was a consumer app with a consumer rate for American Express payments. 

As you can appreciate, the rate we were charging was well below existing rates for business payments made using an American Express. 

American Express identified that business payments were being made through our consumer app. We had the option of discontinuing our service for business users, or adopting the market processing rate for Amex partners facilitating business payments. 

Notwithstanding that, we remain committed to being the most competitive in our pricing and will ensure we are adhering to that commitment. 

We (and our users) know we have the best product and we hope you’ll continue to enjoy the many benefit of using Sniip too! 

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. 

However, we’d strongly recommend you apply for the same card in the consumer/ personal version when making personal payments which will earn full points at the 1.5% rate with Sniip, excluding American Express personal cards. The rate for personal American Express cards is 1.29%.

Absolutely! The processing fee for all Visa/Mastercards is 1.5%.