Pay bills with your American Express
We accept American Express for any* bill.
Sniip has a partnership with American Express, pay all your bills and earn full points (even if your biller doesn’t accept Amex directly).
We’ll send you a text with a link to download the app for your iOS/Android device.
Discover why Steve Hui endorses Sniip
to pay bills with Amex cards Australia
Trusted by
Drew
The Points Brotherhood
Sniip is a great way to collect points for a BPAY merchant that does not normally accept credit cards and you are looking to boost your points balance.
Steve hui
Iflyflat.com
Using points to fly Business Class is like alchemy – turning metal into gold.
Matthew
Talent Butler
Thanks Sniip, I’d highly recommend you to other businesses and thank you for your great customer service.
Is Amex worth it Australia? American Express Calculator - Your Ultimate Points Calculator
Payment amount
Select payment type
1
Select Amex
Velocity Platinum Amex Card
Velocity Platinum Amex Card
Platinum Edge Amex Card
Explorer Amex Card
Platinum Amex Card
Qantas Amex Ultimate Card
Qantas Amex Premium Card
Centurion Amex Card
David Jones Amex Platinum Card
David Jones Amex Card
Qantas Amex Discovery Card
Velocity Amex Escape Card
Essential Amex Card
Total points earned#
12,661
Velocity Points
Payment amount
$10,000
Processing fee (incl GST)
$129.00
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.
Velocity Points
Payment amount
$10,000
Processing fee (incl GST)
$129.00
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.
$10,000
Processing fee (incl GST)
$129.00
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.
$129.00
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.
Total
$10,129.00
Assumes points earn based on 1.25 point/s per dollar spent.
Assumes points earn based on 1.25 point/s per dollar spent.
*All ATO/superannuation payments (personal/business/corporate) are required to be processed at our business rates (tiered from 1.75%) on Personal Amex cards.
Please note: The above calculator is an estimate and not an exhaustive list of the American Express cards you can use with Sniip. Sniip accepts all American Express cards. This information is provided as a guide only, please refer to the Amex website for the most up-to-date information, or contact Amex directly.
This calculator is provided as a guide only, please refer to your credit card provider for the most up-to-date information..
We accept American Express cards, for any* bill
We accept American Express for BPAY bills and payments to a biller’s BSB and Account Number. Use your American Express membership reward points/rewards program card for maximum card benefits. Pay via BPAY using Sniip to pay ATO, BAS, Strata, Superannuation, Government billers, NSW Office of State Revenue, Queensland Government, ASIC, Vic Roads, Utilities (Origin Energy, Urban Utilities), rates, land tax – the options are truly endless.
We accept American Express via BPAY, here’s some popular BPAY Biller our users love to pay with Sniip:
ATO BPAY Biller Code: 75556
BAS BPAY Biller Code: 75556
Urban Utilities BPAY Biller Code: 112144
Origin BPAY Biller Code: 314534
*Always check the BPAY details specific to your bills, Sniip accepts all* BPAY Biller Codes via American Express.
The Value of Points
Why Sniip? Paying your bill
We accept American Express for any* bill. Get ultimate card benefits on ALL your personal and business bills with your:
American Express Personal Card
American Express Business Card
American Express Corporate Card
American Express International Card
More specifically, Sniip enables you to earn uncapped points on your bills, and helps you improve cashflow by managing your bills seamlessly in one the app and meeting due dates.
Whether it’s an around the world trip, or an upgrade to business class, travel is always the best use of your points!
The sky is the limit ✈️ 🥂
When you pay your bills with Sniip, you unlock the full earning potential of your Amex Membership Rewards Points. In summary, you can use your Amex to pay any bill with Sniip.
Paying a $30,000 bill could mean a Brisbane to Sydney return trip in Business Class, all paid for with points!*
Every point counts! Maybe you’re saving your points for a one way ticket to London? In that case, accumulating Amex Membership Rewards Points throughout the year by paying your rates, insurance or tax bill means that the sky is the limit. Evidently, pay bills with Amex through Sniip and earn uncapped points!
*General advice only, please refer to the Amex website for the most accurate information.
We prioritise your payment security
We are an official partner of American Express. Undoubtedly, your payment security is our top priority.
We have never had a security breach in our 8+ years of operations and have quarterly vulnerability scans to try and penetrate our systems. Our systems have never been penetrated.
We’re proud to have achieved and maintain Tier 1 Payment Card Industry Data Security Standard (PCI DSS) compliance.
To explain, this is the same standard that Australian Banks must comply with. Therefore, you can rest assured that your payments are protected by the highest safety and encryption standards.
Sniip is an authorised Bill Payment Service Provider (BPSP). Therefore, all BPAY payments made through Sniip happen via a two-legged transaction. To explain, all transactions are paid into a Sniip trust account and your bill payment is made the same day we receive your funds.
We do not hold onto your funds. Moreover, the payment that you make to us will appear on your statement as ‘Sniip Ltd’.
Over $1 billion worth of bill payments to date by Sniip.
For more detailed information, you can read our terms and conditions.
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Ready to get started?
accordingly above all both … and
additionally after all if … then
afterward after that not only … but also
afterwards all in all neither … nor
albeit all of a sudden whether … or
also all things considered no sooner … than
although analogous to
altogether although this may be true
another another key point
basically as a matter of fact
because as a result
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besides as can be seen
but as has been noted
certainly as I have noted
chiefly as I have said
comparatively as I have shown
concurrently as long as
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contrarily as shown above
conversely as soon as
correspondingly as well as
afterward after that not only … but also
afterwards all in all neither … nor
albeit all of a sudden whether … or
also all things considered no sooner … than
although analogous to
altogether although this may be true
last first thing to remember
lastly for example
also all things considered no sooner … than
although analogous to
altogether although this may be true
another another key point
basically as a matter of fact
because as a result
before as an illustration
besides as can be seen
but as has been noted
certainly as I have noted
chiefly as I have said
comparatively as I have shown
concurrently as long as
consequently as much as
contrarily as shown above
later for fear that
accordingly above all both … and
additionally after all if … then
afterward after that not only … but also
afterwards all in all neither … nor
albeit all of a sudden whether … or
also all things considered no sooner … than
although analogous to
altogether although this may be true
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.
How does my payment get processed?
When you pay a bill via Sniip, you authorise Sniip to receive funds from your nominated payment method. The bill amount will be held by us on trust for the specific purpose of paying your bill. Then, Sniip will then process your bill payment to your biller on the day those funds are received.
Both you and Sniip acknowledge and agree that any and all funds which Sniip may receive for the purpose of making payments of your bills are held by Sniip on trust for you for that purpose and no other. In detail, please refer to our full terms and conditions for more information.
Why can’t I make a payment to another credit facility using my credit card?
Unfortunately, we are restricted from allowing payments to certain billers using credit facilities, as determined by BPAY and our banking partners.
To explain, this means you aren’t able to pay credit facilities with a credit card or a debit card, but you can pay from a bank account. In fact, Paying from a bank account is completely free in the Sniip app, and this way you are able to keep using Sniip to store and organise all your bills and invoices.
If you have any questions, please email Sniip Support Squad or call (07) 3268 7710 for more information.
Why would I use Sniip to pay my business bill?
Sniip users benefit from the best processing fees in market, you can read more about our tiered pricing, here.
Plus, it’s the easiest and quickest way to pay your bill (and earn full points).
You can explore our Amex x Sniip hub, here or speak with our Amex x Sniip representative Jennifer by calling (07) 3268 7710.
How do I know how many points I’ll earn on my transaction and what my processing fee (tier) will be?
Great question! We’ve built a points calculator just for you, superstar! You can explore the points calculator, here.
I thought the Amex rate was 1.5%, what happened?
Sniip was a consumer app, offering a consumer rate. In time, there was growing demand for business payments with Sniip and to continue to offer this service, we were required to offer a business rate.
We’ve worked really hard to keep our rate as low as possible to accommodate business payments and the rate is reflective of what we’re being charged to process the payment – not a margin increase for Sniip!
However, the good news is, our after tax rate on all our business tiers are below 1.5%!
Do I earn points on the processing fee?
Absolutely! Specifically, 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?
All rates are clearly displayed before you make a payment and you can always clarify with us before you process the payment.
In detail, 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 (excluding payments to the ATO) is 1.29%.
Can I pay to bank account with my American Express card?
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.
Is this the company recommended by Points Hacks?
That’s right, there’s a great article, ‘How to earn full points at the ATO with Sniip’.
If you discovered Sniip there or through our other media appearances (Sunrise, Today Show, etc), welcome aboard! You’re going to love Sniip.
We accept all Amex cards, allowing you to earn full points on your bills.
Does Sniip have a transaction limit?
Sniip has no transaction limit. However, there are minimum and maximum payment amounts determined by each biller.
In this instance, 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. Subsequently, 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.
How do I know what tier my payment falls under?
Good question! To clarify, our business payment tiers are below.
You can explore more about tiered pricing, here.
Tier (single payment amount) | Rate (inc GST) | Rate % (+ GST) | **After Tax Rate |
$0 – $99,999 | 2.19% | 1.99% | 1.49% |
$100,000 – $299,999 | 2.15% | 1.95% | 1.46% |
$300,000 – $499,999 | 2.09% | 1.90% | 1.43% |
$500,000 – $999,999 | 2.04% | 1.85% | 1.39% |
$1,000,000+ | 1.93% | 1.75% | 1.31% |
I’m a sole trader, will I be charged the business, or the personal rate if I pay the ATO?
We are required by American Express to process any payments (on an Amex) to the ATO (including superannuation) at our tiered business rates.
The good news is, this represents better value than paying the ATO direct/using BPAY via your bank account as you earn full points on your payment through Sniip.
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! To explain, it comes down to the payment you’re making and the card you’re using.
Making a defined personal payment, on a personal card? Then, you’ll be charged the personal rate. In addition, payments to the ATO (including superannuation) are charged at the business rate when using any American Express card.
Are you making a business payment, on a business/corporate card? Then, you’ll be charged the applicable business tier.
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.
Have a question? No worries! Please call (07) 3268 7710 or email customercare@sniip.com.
Why has the business processing fee increased?
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.
In summary, American Express identified that business payments were being made through our consumer app. Therefore, 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!
I always use a personal Amex card for business expenses. Can I just use my business Mastercard instead now? What’s the fee?
Absolutely! To clarify, the processing fee for all Visa/Mastercards is 1.5%.
Can I pay make SME payments now, pay to BSB + Account Number?
We’re working on it as you read this – launching 2023!
Download now 🚀
