Leah Kidd

FAST FIVE: Our most commonly asked questions this week

My BPAY Biller Code isn’t accepted, what can I do? 

Great question! If you’re the first person to make payment to a specific biller in the Sniip app, you’ll receive a pop-up that says “Biller is not available”. 

Please contact us via customercare@sniip.com or call (07) 3268 7710. We will review the bill you’re attempting to pay and where possible, add the biller to our system. 

Sniip has restrictions on some billers. These include: 

  • Remittance service provider
  • Charities & non-for-profits 
  • Intermediaries
  • Payday lenders
  • Internet gambling
  • Casinos
  • 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

If you believe you should be able to pay any of these billers, please contact Sniip and we will evaluate your biller on a case by case basis. 

Can I pay a bill with BSB and account number? 

Not right now but watch this space – we’re working on a solution! We currently facilitate bill payments through the more than 60,000+ billers who offer a BPAY Biller Code on their bills or utilise the Sniip circular QR code. 

Rest assured we’re towards facilitating direct bank transfers with BSB and account numbers in the Sniip app. 

What’s the cost to use the Sniip app?

Sniip is a free app that allows customers to easily make bill payments on their mobile device. There are no subscription fees, service fees or other hidden costs. 

Debit cards are completely free to use in the app. Visa, Mastercard and Amex credit cards incur a 1.5% (incl GST) processing fee, however you receive full points on your bills (including the ATO). This is the lowest possible surcharge you can pay when making a bill payment using a credit card.

Can I set up a recurring payment for my bills?

Absolutely! To create a recurring payment, follow these simple steps: 

1. Import your bill to the Sniip app using your chosen import method 

2. Tap on the bill you’d like to pay from the home menu

3. Tap ‘schedule’ from the bottom right of the screen

4. Select ‘create recurring payment’ 

5. Choose the amount you’d like to pay and the frequency you’d like to pay it. Then choose the end date, or select no end date. Done!

How do instalments work? Is it Buy Now, Pay Later? 

Sniip provides users with the flexibility to pay their bills in instalments before the bill is due. Currently, we do not offer a ‘Buy Now, Pay Later’ option in the Sniip app. 

To create an instalment payment, follow these simple steps: 

  1. Import your bill to the Sniip app using your preferred import method 
  2. Tap on the bill you wish to pay and select “Schedule”
  3. Select “Create Installment Plan”
  4. Input the bill due date and the number of instalments you wish to pay.
  5. An instalment schedule will be populated for you to ensure you’ve got the right amount of money to pay your bill when it’s due. 

Please note: To allow for adequate processing time and ensure your bill is paid on time, the money will be debited from your account three days before the bill due date. 

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

New Feature Alert: Recurring Payments are here!

You asked, we answered! You can now set and forget all the recurring payments/ subscriptions in your life in the Sniip app. We’re talking rent, phone bills, internet, gym subscriptions, health insurance, lessons and tutoring, you name it! If it’s got a BPAY Biller Code, you can make it recurring.

With Sniip recurring payments, you take back control of your payments! Gone are the days of handing over your bank accounts to the mercy of a merchant and jumping through endless hoops to have them halted/ cancelled. 

Here’s how it works:

Add your bill to the Sniip app by scanning, manually importing or auto importing. 

1. Tap on the bill you’d like to pay from the home menu
2. Tap ‘schedule’ from the bottom right of the screen
3. Select ‘Create Recurring Payment’
4. Choose the amount you’d like to pay and the frequency you’d like to pay it 
5. Choose the end date, or select no end date. 
​​​​​​​Done! 

New Feature Alert: Nicknames and enables

1. Bill nicknames for emails 

Gone are the days of searching the reference number to work out which bill is which. You can now distinguish bills from the same biller by adding a biller nickname.

Simply add the bill to the Sniip app, tap on the biller name for example, ‘Brisbane City Council’. Next, add your bill description, for example, ‘My house’ or, ‘1 Example St, Brisbane’. 

Now, you’ll see a handy nickname to differentiate which bill is which when we email you reminders, schedule payment confirmations, receipts, etc. You’ll see the nickname in the subject line so it’s all easy breezy to navigate. 

2. New biller alerts

Ever added a bill to the Sniip app that wasn’t enabled? No worries! From time-to-time we’ll need to enable payment for certain billers.

You’ll now receive one simple push notification and email to let you know when your biller is enabled. You can then pop into the Sniip app and pay your now bill with ease. Simple!

If there a feature you’d like to see in the Sniip app? No worries! Let us know at customercare@sniip.com or give us a call at 3268 7710. We’d love to hear from you. 

Five Tips for a Financially Savvy Easter

1. Make a checklist/ consider egg alternatives

Let’s be honest, the cost of buying Easter eggs can add up quickly. 

Then, add into the mix the fact that the entire event often creeps up on even the best of us. Next minute, it’s 9pm the night before and you’re at the fuel station paying $20 for the Easter dregs that will be 80% off tomorrow. We feel you friend. We feel you! 

That’s why we’re going to suggest making a list and checking it twice (even though it’s Easter and not Christmas!). Write out everyone you need to buy for and what you’re going to buy them. Then, carve out the time in your diary to hit up the shops quickly and cross it off the list – here’s a handy printable checklist from Mrs Organised. That way you (hopefully) won’t get caught out and miss anyone! 

Also, here’s three Easter treats that might suit you/ someone in your life and save you $$ this Easter:

1. Whip up a batch of hot cross buns, check out this recipe or this vegan/ gluten free one here

2. Short for time? Try these simple chocolate crackles with an easy Easter twist 

3. Want to skip the public holiday surcharges? Make Easter breakfast at home with these fun bunny pancakes

4. Skip the individual gifts and take this choc-orange hot cross bun cheesecake to your friends/ family house 

5. Wow the crowds at your Easter do with this easier-than-it-looks hot cross bun trifle

  1. Low-cost ideas to entertain the kids this long weekend 

From foam cups to jelly beans, pasta and rocks – we’ve all got one of the items on this list and that’s a quick, cheap craft activity sorted for the kids (or your inner-child) this Easter. 

1. Jelly bean Easter necklaces 

2. Toilet paper roll bunny

3. Foam cup bunnies 

4. Pasta Easter eggs

5. Easy Easter rocks 

3. Set the ‘Out of Office’ and put your bills on autopilot 

Unless you’re working over the Easter break, you’ll likely be turning on the Out of Office and checking out from more than your email responsibilities. 

Can we suggest grabbing that pile of bills on your countertop/ fridge now, scanning them all into the Sniip app (or import them from your email). You can quickly and easily schedule, create an instalment plan or set yourself a reminder to pay the bill later

That way, you’ll encounter no nasty surprises/ overdue bills when you check back into reality post Easter. 

4. Secure your home 

On the note of bills, that home and contents insurance coverage isn’t going to get you much mileage if you don’t secure your home. 

Opportunistic thieves love a long weekend as much as we do. A quick double-check of the doors and windows before you head away for the long weekend might save you a lot more money than your time cost you to check this Easter.

Even if you’re in the backyard, you might just quickly double back and lock the front door. Or maybe it’s that you ensure your car keys aren’t securely stored in your car’s ignition. You know, all that good stuff!

5. Organise your Easter get-together for the week later 

We couldn’t wrap this up without including this super-savvy Easter savings tip for you. 

Much like Christmas, all things Easter will be less than half the price in the days that follow the event. If it’s a family/ friends gathering and you know you’ll be doing an Easter exchange, see if you can’t move it to the week following Easter. 

The chocolates will be cheaper, the parks, restaurants, cafes and accommodation less busy and the memories and time spent together will likely be just as meaningful. 

Sometimes to think about. Leave it with you! 

Sniip Partners with Apple Pay

Mobile bill payments platform, Sniip today brings its customers Apple Pay, a safer, more secure and private way to pay their bills using the power of iPhone to protect every transaction.

Customers simply select Apple Pay in the Sniip app to make a secure payment to over 60,000 billers in the BPAY network. Every Apple Pay payment is secure because it is authenticated with Face ID, Touch ID, or device passcode, as well as a one-time unique dynamic security code. As a result of the partnership with Sniip, customers can use Apple Pay on an iPhone to make bill payments that are faster and more convenient as they no longer need to repeatedly type in personal and payment card information. 

“We’re excited to offer Apple Pay as a new payment option in the Sniip app, reinforcing our commitment to providing the ultimate convenience in bill payments for our 40,000-strong customer base. Sniip remains focused on delivering a fast, seamless, and consumer-centric approach to bill payments and adding such a widely-used mobile wallet such as Apple Pay is a big step forward,” said Damien Vasta, CEO of Sniip.

Security and privacy are at the core of Apple Pay. When customers use a credit or debit card with Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, an industry-standard, certified chip designed to store the payment information safely on the device.

Apple Pay is easy to set up. On iPhone, simply open the Wallet app, tap +, and follow the steps to add your credit or debit cards. Once a customer adds a card to iPhone, they can start using Apple Pay on that device right away.

About Apple Pay

For more information on Apple Pay, visit: http://www.apple.com/au/apple-pay/

About Sniip

Sniip is a mobile bill payments platform allowing consumers to easily pay their bills via the Sniip app, using any debit or credit card. Users can scan a BPAY Biller Code or import a bill from their email using the Sniip app and pay their bills in less than 10 seconds. Learn more or download our app at sniip.com. Through its existing partnerships with BPAY and AMEX, Sniip has continued to scale its business and build its network of users by almost 40% from 30,000 in January 2021 to more than 42,000 at the end of February 2021. During the same period, Sniip saw a 400% increase in BPAY payment transaction value and has  now processed more than $100 million worth of bill payment transactions to date.

For further information please contact:

Citadel-MAGNUS

Emma Lewis, +61 (0)401 877 876; elewis@citadelmagnus.com   

Catherine Strong, +61 (0)406 759 268; cstrong@citadelmagnus.com

Announcement: Sniip partners with Apple Pay

Apple Pay is now available when making a payment for any supported BPAY bill in the Sniip app.  

How do I use Apple Pay with Sniip? 

Add your bill to the Sniip and tap ‘pay’. If your mobile device or tablet supports Apple Pay, and your billers supports BPAY, you’ll notice Apple Pay is the first option on your pay screen. 

  1. Choose card type to use with Apple Pay (Visa/ Mastercard or American Express) 
  2. Select ‘Pay with Apple Pay’ on the bottom of your screen. 
  3. Select your payment card 
  4. Double-click to pay. Done! 

How do I add Apple Pay to the Sniip app? 

If your Apple device supports Apple Pay, it’s automatically added! When you go to pay a supported BPAY bill, you’ll notice Apple Pay is the first choice for payment.  

The card I want to use to pay my bill isn’t in my Apple Pay Wallet, what do I do? 

If your Apple Wallet has no cards, set-up, simply navigate out to the Sniip app to your Apple Wallet app. 

Tap the ‘+’ in the top right corner and follow the prompts to add your card. 

Return to the Sniip app and select the card you just added to pay your bill.  

I don’t have any cards in my Apple Wallet, how do I add them? 

If your Apple Pay wallet doesn’t contain the card you want to pay with. No worries! You can easily add it when paying your bill. Simply select Visa/ Mastercard or American Express. 

A pop-up will appear saying, “Add Card to Apple Pay”, select “Add Card”. Then continue with setting up the card in your Apple Walley. 

Are there any additional processing fees for paying with Apple Pay? 

The same processing fees apply when you use Apple Pay as when you use your Sniip wallet. 

Debit cards are free. Visa, Mastercard and Amex credit cards are 1.5%. International cards incur a 3% processing fee. 

Do I still earn full points on my Amex transactions when I use Apple Pay? 

Absolutely! You earn full points when paying your bills on a points earning card in the Sniip app. This applies when using Apple Pay too. 

If you have any questions, we’re here for you! Simply contact customercare@sniip.com or call (07) 3268 7710

New Feature Alert: Auto-bill Import

Well, guess what!?

We’re back again with another fantastic feature for you in the Sniip app! Make your life easier with auto-bill import

That’s right, if you have a Gmail or Microsoft account*, you can now have your bills containing a BPAY Biller Code automatically imported into the Sniip app ready for payment. 

Here’s how you can activate the new feature: 

1. Open the Sniip app and tap the menu bar on the top left of the screen. 

2. Select “Import from email” and tap “Connect Google”, “Connect Microsoft Exchange” or “Connect Microsoft Outlook”. 

3. Enter the email address you’d like your bills imported from and authorise.

4. You’re done! You’ll receive a ‘push’ notification on your mobile when your bill lands in the Sniip app and is ready for payment.   

*TOP TIP: This feature is currently only available for Gmail and Microsoft accounts (with more accounts coming soon). If you use a work or business account and have a custom email domain, ask your technical team if it’s hosted by Gmail. If the answer is yes, you’ll be able to use the feature! 

If you have any questions at all, email our friendly team at support@sniip.com or call (07) 3268 7710. We’re here for you! 

Supported Microsoft accounts for email auto-import:

Bingbing.com
Bingbing.net
Bingbing.co.uk
Bingbing.co
Bing Barbingbar.com
Bing Barbingbar.net
Bing Toolbarbingtoolbar.com
Hotmailhotmail.com
Hotmailhotmail.co.uk
Hotmailhotmail.eu
Hotmailhotmail.co
Hotmailhotmail.net
Hotmailhotmail.org
Windows Livelive.com
Windows Livelive.co.uk
Windows Livelive.net
Windows Livelive.co
Windows Livelive.org
Windows Livelive.eu
Internet Explorerinternetexplorer.com
Internet Explorerinternetexplorer.co
Internet Explorer 8ie8.co
Internet Explorer 9ie9.com
Internet Explorer 10ie10.com
Internet Explorer 11ie11.com
Microsoft Education Partner Networkmepn.com
Microsoft Silverlightmicrosoftsilverlight.com
Microsoft Silverlightmicrosoftsilverlight.org
Microsoft Silverlightmicrosoftsilverlight.net
Microsoft SQL Servermicrosoftsqlserver.com
Microsoft SQL Serversqlserver.net
Microsoft Visual Studiomicrosoftvisualstudio.com
Microsoft Visual Studiomicrosoftvisualstudio.net
Microsoft Visual Studiovisualstudio.com
Microsoft Visual Studiovisualstudio.co.uk
Microsoft Visual Studiovisualstudio.net
Microsoft Visual Studiovisualstudio.eu
Microsoft Visual Studiovisualstudio.co
SkyDriveskydrive.com
SkyDriveskydrive.co
OneDriveonedrive.com
OneDriveonedrive.co.uk
OneDriveonedrive.net
OneDriveonedrive.org
OneDriveonedrive.co
OneDriveonedrive.eu
OneDrive1drv.ms
Skypeskype.com
Skypeskype.org
Skypeskype.net
Skypeskype.co.uk
Skypeskype.co
Skypeskype.eu
Outlook.comoutlook.com
Outlook.comoutlook.org
Outlook.comoutlook.co
Outlook.comoutlook.eu
Windows Mobilewindowsmobile.com
Windows Mobilewindowsmobile.co.uk
Windows Mobilewindowsmobile.org
Windows Mobilewindowsmobile.co
Windows Mobilewindowsmobile.eu
Windows Phonewindowsphone.com
Windows Phonewindowsphone.co.uk
Windows Phonewindowsphone.org
Windows Phonewindowsphone.co
Windows Phonewindowsphone.net
Zunezune.com
Zunezune.co.uk
Zunezune.org
Zunezune.net
Zunezune.co
Zunezune.eu
Xboxxbox.com
Xboxxbox.co.uk
Xboxxbox.org
Xboxxbox.co
Xboxxbox.eu
Xbox 360xbox360.com
Xbox 360xbox360.co.uk
Xbox 360xbox360.co
Xbox 360xbox360.eu
Xbox 360xbox360.org
Xbox Onexboxone.com
Xbox Onexboxone.co.uk
Xbox Onexboxone.co
Xbox Onexboxone.eu
Microsoft Officeoffice.com
Office 365microsoftonline.com

Four ways to add your bills to the Sniip app

We’re getting questions coming through asking about the different ways you can add your bills to the Sniip app.

We thought we’d share them with you here today. 

Fun fact! There are four ways you can add your bills to the app:   

1. Scan a bill 

2. Manually add a bill 

3. Import a bill from email 

4. Sign-up for auto email import

  1. Scan a bill

Open the Sniip app, tap the ‘+’ icon

Select ‘Scan’ 

However your phone camera over the BPAY Biller Code or Sniip QR code on your bill

Your bill will be automatically added to the Sniip app

Done! 

2. Manually add a bill 

Open the Sniip app, tap the ‘+’ icon 

Select ‘Manually add’ 

Locate the BPAY Biller Code on your bill and enter the number into the ‘Search Biller’  

Select the Biller, enter the amount to pay and the due date 

Done! 

3. Import a bill from email 

Open your emails on your mobile device 

Locate the email containing the bill you want to import. 

Open the PDF attached to the email 

Select the ‘share’ or ‘copy to’ icon, scroll to the Sniip icon and tap 

Select ‘Upload bill’

You’ll receive a push notification when you bill is added to the Sniip app. 

Done! 

4. Sign-up for auto email import*

Open the Sniip app, tap the menu bar on the top left corner 

Select ‘Import from Email’ 

Select ‘Connect Google’ and then ‘Continue’ 

Choose the email account you want to connect 

Select ‘allow’ 

Done! Your emails containing a BPAY Biller Code will be automatically added to the Sniip app ready for payment. You’ll receive a push notification when your bill is ready for payment.

*Please note: This feature is only available for Gmail accounts

New Feature alert: Instalment Payments

We completely understand 2020 was a tough year for most and we could often do with a little more time to get those never-ending bill payments sorted!

Enter, Sniip instalment plans. You can now pay off any bill in instalments with Sniip.

Simply enter the due date and select how many instalments you’d like to pay the bill off in. 

Sniip creates you an instalment plan and helps you clearly understand the amount and time of each payment.

Please note, this isn’t a ‘Buy Now, Pay Later’ offering (watch this space) – rather, this feature gives you the flexibility to pay off your bill in instalments, without missing the due date.

With Sniip instalments, we pay your bill off in instalments to the biller as we receive the money from you. We don’t hold any funds in the Sniip app, nor do we provide credit.    

Most billers are okay with receiving your bill in instalments as long as they’ve received all the funds by the due date. We calculate this for you as part of your instalment plan. 

To create an instalment plan, follow the simple steps below:

  1. Import your bill to the Sniip app using your method of choice
  2. Tap the ‘Schedule’ button
  3. Select create Instalments plan
  4. Customise the details on the following 4 pages to create an instalment plan that suits you

The schedule payments you have created through the instalment plan can be viewed via the schedule tab. The payments will go out on the date that you selected when creating the instalment plan.

If there’s a feature you’d like to see in the Sniip app, let us know! Email customercare@sniip.com or phone (07) 3268 7710.

FAST FIVE: Our Most Commonly Asked Questions

You know the old adage, there’s no such thing as a silly question. We’re big believers of that at Sniip! And the reality is, if you’re thinking it, it’s likely someone else is too. Plus, we really just love hearing from you too.

With that in mind, we thought we’d share the top five questions asked by our Sniip Superstars to our customer service teams this week. 

  1. When is my bill paid? 

We pay your bill as soon as we receive your funds. Generally speaking, we receive your funds the next business day.  

For example, if you pay your bill via Sniip on a Tuesday, we’ll receive your funds on Wednesday and your bill will be paid on the same day. 

If you use a Visa or Mastercard and pay by midnight AEDT, we’ll receive your funds the next business day. Your bill payment is made the same day that we receive the funds via BPAY.

Please note: If you pay on a Friday, we won’t receive the funds until Monday. That’s why it’s important to add your due dates to the app and we’ll automatically schedule when your bill is paid, so that you meet your due date.

  1. Do you pay my bill in full for instalment plans and then I pay Sniip back?  

Great question! With Sniip instalments, we pay your bill off in instalments to the biller as we receive the money from you. We don’t hold any funds in the Sniip app, nor do we provide credit.    

Most billers are okay with receiving your bill in instalments as long as they’ve received all the funds by the due date. We calculate this for you as part of your instalment plan. 

Sniip instalment plans are not currently a buy now, pay later offering (but watch this space). 

You can find out more about setting up an instalment plan, here.

3. Your app was recommended by Amex with a rate of 1.5%. What’s the benefit of using Sniip for Amex transactions?  

Hello friend, welcome to Sniip! We’re so happy you’re here. 

We recently reduced our processing fee from 2.2% to 1.5%. This was made possible through our direct partnership agreement with American Express Australia (Amex). 

The advantage of using Sniip is that you can pay your bill with Amex where it may currently not be an available payment method (many councils and Government agencies). Plus, you’ll earn full points on your card. 

As you’d know, paying through your bank or directly to billers (Government agencies or utility providers) generally means either reduced or no rewards points at all on these types of transactions. 

Paying with Sniip means that you always earn full points. 

Put simply, almost all bills that contain a BPAY Biller Code (there’s over 60,000 BPAY Billers in Australia), can be paid with your credit card using Sniip, earning you full points.  

4. Is there any other way to pay a bill than scanning the BPAY Biller Code and Reference Number. 


Absolutely! Firstly, you can enter the BPAY Biller Code and Reference numbers manually. 

Alternatively, you can ‘share’ or import the bill attachment to the Sniip app from your email. 

Or, our favourite option: If you have a Gmail account, you can sign up for auto bill import and have your bills automatically sent to the Sniip app for payment. 

(link to article of auto bill import). 

5. What are your processing fees? 

The processing fee for Amex, Visa and Mastercard is 1.5%. International cards attract a 3% processing fee. 

Plus, there’s a free option. You can use a debit card for free in the Sniip app. 

That covers all the processing fees in the Sniip app. 

Any other fees noted are from you biller. When you scan the BPAY Biller Code on your bill, all the rates are the same. 

If you’re scanning a Sniip QR code, the surcharges are defined by the billers and should be the same as paying through their website. 

These processing fees include GST which you can claim back at tax time a GST registered business.