Leah Kidd

Just Arrived: Fast Five FAQ Exposed

Fast Five FAQ: Our most commonly asked questions

I saw you’re offering Velocity Points through Virgin Australia Business Flyer. What membership number do I use to link my account to Sniip?

Great question! Your Virgin Australia Business Flyer membership number is your ABN/ACN. 

To add your Virgin Australia Business Flyer number to Sniip, do the following: 

  • Login to the Sniip app
  • Tap the menu bar in the top left corner and select, ‘Loyalty’, then ‘Add membership’
  • Select ‘Virgin Australia Business Flyer’ from the available options 
  • Enter in the ABN/ACN associated with your Virgin Australia Business Flyer account in the ‘Membership number’ field

If entering this number does not work, please contact businessflyer@virginaustralia.com.

Is there a way I can send my bills directly to Sniip?

Absolutely! We’re really proud of this feature, it’s called, ‘Import from Email’. Simply connect your Gmail or Microsoft email account to Sniip, we’ll automatically add the bill to your Sniip app when it arrives in your inbox and send you a handy push notification when it’s ready for payment. 

Here’s how to connect, ‘Import from Email’

  1. Tap the menu bar in the top left corner and select, ‘Import from Email’ 
  2. Connect your email (we support these emails
  3. Done! We’ll import your bill directly into the Sniip app when it arrives in your inbox.

What type of bills can I pay with Sniip?

You can pay personal and business bills with Sniip. If your bill is one of the 60,000+ billers with a BPAY Biller Code and Reference Number, chances are you can pay it with Sniip! 

Here’s some of the top bills paid using Sniip: 

  • ATO, payroll tax 
  • DEFT 
  • School feels (incl higher education) and childcare 
  • Superannuation 
  • Rent, rates and body corporate (STRATA)
  • Energy and water providers
  • Phone and internet providers 
  • Insurance (health, car home and contents)
  • Energy, gas and water
  • Vehicle registration, fines and vehicle club membership fees (e.g. RACQ, RACV)
  • Accounting services

When does Sniip process my bill payment? How long does it take? I’ve left it a bit late and I’m worried it won’t be paid on time.

It takes approximately 24 to 48 hours for Sniip to receive your funds. We process your bill payment as soon as we receive your funds. 

The cut-off times for payments to be made the next business day are: 

  • 11.59pm AEDT Visa/Mastercard
  • 6pm AEDT Amex
  • 6pm AEDT Diners (+ 1 extra business day)
  • 6pm AEDT Bank Accounts (+ 1 extra business day)

Payments made after this cut-off will not be processed on the next business day – they will be processed the following business day. 

As the funds take roughly 24 hours to finalise and be deposited into the billers account, we suggest always paying your bill two (2) days in advance. The biller must recognise the BPAY payment as the date that the bill was paid. You may refer to the time-stamped Sniip receipt under the “Receipt” tab in the app for record/reconciliation purposes.

Can I pay to a BSB and Account Number (bank account) using Sniip?

This is a hot question and we’re working on it right now. Pay to a BSB and Account Number will be launched in 2023. 

As a subscriber to Sniip, you’ll be the first to know when the feature launches.  

5 Gifts Under $5

Gifts under $5

Are you looking for some affordable, last minute gift ideas for the holidays? Look no further!

With Christmas quickly approaching, we’ve put together some great Christmas gift ideas that won’t break the bank. So whether you’re on a tight budget, or looking add some small, inexpensive touches to their holiday gift giving, this list was made for you!

Maxx Crew Gingerbread Man Socks

The perfect festive stocking filler.

Kadink Wooden Pick Up Sticks Game (31 Piece)

Just imagine the concentration face they’ll make playing this nostalgic game!

Pretty much like the board game but it won't drag on for hours (and cause as many sibling fights)!

W7 Nail Polish

Just add a handwritten card and you're good to go!

Put a smile on the face of the sweet tooth in your life.

More on the Sniip blog

FEATURE FOCUS: Scan and schedule any bill

Scan your BPAY Biller Code and Reference

  1. Tap the ‘+’ button in the top right corner 
  2. Select ‘scan’ 
  3. Position the BPAY Biller Code within the scan frame 
  4. Review the bill details 
  5. Select your payment method and pay!
When you scan the BPAY Biller Code on your bill with Sniip, you never have to question if you’re paying the right biller!

Sniip gives you the choice of payment methods to pay your bills. Watch the how-to video, here. 

Schedule your bill!

Schedule your bills for when they’re due. That way, you can rest easy knowing that when the due date rolls around, your payment is scheduled and you are sorted!

This is a great time hack for rego, rates, or any bills that arrive early. You don’t want to pay them before they’re due, but don’t want to miss the due date either!

Now, you can relax knowing your bills are scheduled and you’re sorted! Nice work! 😎 

Christmas gifting list – 50 gifts under $50 

50 Gifts Under $50

We share our Gifting Guide – 50 Gifts Under $50! We’ve curated this ultimate list into clusters (family, friends, colleagues) to cover even the trickiest of recipients. 

For your friends

Frank Green 595ml ceramic water bottle

For your friend who lives for an emotional support water bottle.

Summer Fridays lip balm

Find a better balm. We’ll wait!

Mecca Complexion Stick Trio

Bronzer, highlighters, blush. Summer, sorted!

Ultra Violette SPF $49 (plus free shipping)

Our Head of Marketing loves this sunscreen! Take the sting out of the summer sun.

For your family


our Marketing Assistant loves this!

Lush Giftset

vegan friendly skincare

27 Inch Tabletop Pool Game

doesn't have room for a full table

Conair Bubbling Hydro Foot Spa

Mums love a good foot spa (don't we all)

Jaffle Iron

the camping obsessed one

Laser 10000mAh Power Bank with LED Display

For that family member who always has a flat phone.

Custom Family Portrait

bonus points for personalisation

Detangling Brush

the only brush you need in your life

Shell Pink Plate

the ocean lover

For your colleagues

For the kids

Christmas Gifting List 2022

Gifting List
Gifting List

Christmas Gifting List

In true Sniip Christmas tradition, we’re sharing our Christmas Gifting Wishlist to help you get your gift buying under control (and not breaking the bank). Print it out, stick it on the fridge and start scribbling!

More on the Sniip blog

Fast Five FAQ: Our most frequently asked questions November 2022

Fast Five FAQ: Our most frequently asked questions

I heard that I can pay my rent with my credit card using Sniip to earn points? How do I do this?

Great question! If your rent has a BPAY Biller Code and Reference Number* or DEFT** you can pay it using Sniip. Plus, you’ll earn the full points rate on your credit card! 

*Unfortunately we don’t facilitate payments to a BSB and Account Number right now. Your bill must have a BPAY Biller Code and Reference Number, or Sniip QR code to be paid using Sniip. 

**Sniip is unable to facilitate DEFT payments with an American Express card.

My bill says Under Review/Blocked Biller

Each BPAY biller is reviewed by Sniip to ensure it is in a permitted industry. This review process is completed within one business day of you adding a biller for the first time into the Sniip app. 

Due to the risk profile of certain billers, Sniip initially restricts payments for certain sectors. Some exceptions may be possible upon a successful review

These categories include:

  • Remittance service provider
  • Charities and Not-for-Profit
  • Intermediaries
  • Pay-day 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
  • PaymentsBanking and financial institutions

I submitted my User Verification, how long does it take to approve?

Our team is working hard to verify each account as quickly as possible. User verification usually takes between 24-48 hours and is reviewed during business hours. 

Please ensure you have uploaded all the requested documentation, whether that is your ID, your bank card(s), or both. In the meantime, please check to see if you have received an email from a member of our Sniip Support Squad requesting any further information or clarification.

If your payment is urgent and you require your User Verification to be expedited, please call (07) 3268 7710 or email customercare@sniip.com

How do I update my card details?

Under ‘Payment Methods’ in the app, you can easily edit or remove a card! 

Simply swipe to find the card you need to update, and tap ‘edit’ at the bottom of the screen. This will open the edit function, where you can update your card details. 

Alternatively, there is a delete icon in the top right corner of the app where you can remove your card. 


How is my information protected?

Sniip is an Australian-based regulated Bill Payment Service Provider. Your private information and payment security is our top priority. Sniip is a member of BPAY and has undertaken significant compliance assessments in order to provide our service.

As part of this commitment, Sniip is required to identify our customers and verify that their information is correct for the purpose of addressing Anti Money-Laundering/Counter-Terrorism Funding risk, fraud and misappropriation risk, as well as requirements imposed by our banking and regulatory partners.

At Sniip, we’re proud to have achieved full Tier 1 PCI DSS compliance — the same standard to which Australian banks must comply. Sniip has never had a security breach in our 9+ years of operations and have quarterly vulnerability scans to try and penetrate our systems. However, we appreciate data protection is a high priority and is top of mind for many right now and it is our duty to remain eternally vigilant.

EXCLUSIVE HOW TO: Fantastic feature, make bulk payments now

bulk payments
bulk payments

Our secret feature: Bulk Payments

How to: Make a bulk payment

Step 1: Navigate to your ‘To pay’ tab 

Step 2: Tap ‘Select’ and then choose the bills you want to bulk pay 

Step 3: Choose your payment method 

Step 4: Confirm the payment details 

Step 5: Watch as your bills are all paid together!

It's as easy as

✅ One

✅ Two

✅ Three

For the ultimate Amex reward pay your bills with Sniip

For the ultimate Amex reward pay your bills with Sniip ​
For the ultimate Amex reward pay your bills with Sniip ​

For the ultimate Amex reward, pay your bills with Sniip

A new financial year is upon us, and for the savvy points earner, it’s the perfect time to take a look at how to make the most of your personal expenses with your Amex on your everyday outgoings. 

What’s the best way to do this? Use Sniip! Pay all your personal expenses using your Amex, even if your biller doesn’t accept American Express directly.  

If you’re on your search for the ultimate Amex reward pay experience, Sniip offers the best rate in the market. Your ATO bills, superannuation payments, school fees, body corporate etc.

Essentially, all BPAY payments can be made using Sniip! You earn more reward points and use Apple Pay/Google Pay wallet for seamless payment. 

What is Sniip?

Sniip, as a Bill Payment Service Provider, allows you to pay approximately 60,000+ BPAY Biller Codes with the payment method of your choice*.

How do Sniip payments work?

Put simply, Sniip aggregates all payment and bank networks into one central place, making it easy to pay your bills.

It’s the ultimate in payment logic! This means that with Sniip, you can pay with whatever card or bank you like, for whatever bill* you have. 

For example, Jane has a $50k personal tax bill to pay. She uses her American Express Velocity Platinum Card and pays $375 p.a. In fees. She gets 1.25 Velocity points per $1 spent on purchases.

When she pays the ATO with Sniip, she still earns 1.25 points per $1 spent, unlike paying the ATO directly where she would earn 0.5 points per $1 spent. 

How does Sniip benefit me using my Amex card?

Sniip is a Bill Payment Service Provider (BPSP), meaning you make your everyday bill payments to Sniip, and Sniip pays the biller or supplier on your behalf – it’s a two-legged transaction. 

When you make a payment through Sniip with your American Express, you earn FULL POINTS on the first leg of the transaction at 1.29% (incl GST). As of 1 March, all payments to the ATO/superannuation with any Amex card are required to be processed at our business rates. Unfortunately this change in the processing fee has been imposed on Sniip. This fee change doesn’t reflect a margin increase for Sniip – rather, it is simply the cost we are being charged to process these payments. 

With Sniip, you only pay the processing fee of 1.29% (incl GST). There are no other biller surcharges, monthly account keeping fees or subscription-based fees.

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? Accumulating American Express Membership Rewards Points throughout the year by paying your rates, insurance or ATO bill means that the sky’s the limit with Sniip. 

Point Hacks recommends Sniip, saying ‘The true value of Sniip lies in its new 2021 partnership with American Express that sees it offer a reduced 1.5% (processing) fee, (now 1.29% as of 1 March, 2023), for Amex transactions. … it makes sense to funnel some of your bigger bills through a service like Sniip to maximise rewards and boost your cash flow.’

Drew at the Points Brotherhood, outlined in his article how he used Sniip to pay the ATO and boost his points balance. 

For example, on a $50,000 ATO bill, you can earn 63,868 points on your Amex Velocity Platinum Card. You can calculate the points you would earn on different payments with your American Express here!

When you pay your bills with Sniip, you unlock the full earning potential of your Amex Membership Rewards Points. For the ultimate Amex reward pay your bills with Sniip. 

Summing up

Sniip is the best way to pay all your personal and household bills and earn FULL POINTS on your American Express card. Maximise your cash flow and unlock your full points earned by downloading the app for free today. Getting started only takes a few minutes, and you can check out our guide, here

*Restricted/ prohibited industries apply.

Ready to get started?

How to pay personal ATO bills and earn credit card rewards points

Pay your personal tax bills with a credit card
Pay your personal tax bills with a credit card

Ultimate Guide:

Pay personal ATO tax bills and earn credit card rewards points

Paying the ATO

ATO Credit Card Payment with Sniip Earn your full point allocation Receive full points on the ...

Earn bonus Velocity Points

Your Virgin Australia Business Flyer membership number is your ABN/ACN linked to your Virgin ...

Best way to pay BPAY with a credit card

Personal payments Business payments Pay BPAY with your American Express Sniip has partnered with ...

Tax time can be busy enough without having to worry about making sure you’re getting the full benefits from your points-earning credit card. This easy to ready article will explain how to pay personal tax bills to the ATO and earn credit card rewards points at unbeatable rates. 

More frequently, banks and other credit card providers are restricting the rewards points for payments made directly to billers, including the Australian Taxation Office (ATO)

With Sniip, you can use any type of card you choose and will always earn full points on payments to the ATO! Please note that payments with any American Express card (personal/business/corporate) are required to be processed at our business rates

The Sniip app is free to download on your phone and simple to use, making tax time a breeze.

How can I pay personal ATO bills with a credit card?

Paying your tax bill with a points-earning credit card is an easy way to get  that little bit closer to your next holiday destination or business class upgrade. 

However you need to be savvy, and research whether you will earn full or reduced points for your payment. When you pay the ATO directly, you pay a 1.45% fee and earn a reduced amount of rewards points. 

When you pay with Sniip, you only pay a 1.5% processing fee using a personal Visa/Mastercard, and you earn full points on your transaction! Personal payments to the ATO using an American Express are processed at our business rates.

What’s more is that Sniip is an extremely secure payment option.  Sniip is proud to have achieved and maintained Tier 1 Payment Card Industry Data Security Standard (PCI DSS) compliance.This means you can rest assured that you are protected by the highest standard of secure payment processing.

Everyday Sniip processes hundreds of payments on behalf of its users to the ATO via their rewards credit card. The only fee you will pay is the Sniip 1.5% fee for processing Visa and Mastercard credit card payments. 

How many points can I earn by paying personal ATO tax bills with a credit card?

When you process your payments through Sniip, you’re eligible to earn full rewards points on your credit card. 

If you’re an avid points chaser with the right credit card, by using Sniip you can potentially earn 1.25 points per dollar paid to the ATO. 

Sniip charges a 1.5% credit card processing fee for Visa and  Mastercard. American Express payments to the ATO (including superannuation) are processed at our business rates.

The cherry on top is that you are also eligible to earn points on the processing fee! 

Check out our Points Calculator to find out an estimate of your potential points earned on your next personal or household bill. 

American Express Points Calculator

Please note: the above calculator is not an exhaustive list of the Amex cards you can use with Sniip. Sniip accepts American Express cards. 

This information is provided as a guide only, please refer to the Amex website for the most accurate information or contact Amex directly. 

What other bills can I pay with Sniip?

With Sniip, you can pay more than just the ATO! 

We have many customers who process all their personal and household bills through Sniip, to make sure they are maximising their points earning! 

With Sniip, you can pay your superannuation, rates,  school fees, water and every other household bill with a credit card, while only paying the 1.5% processing fee for Visa and Mastercard. Personal bills (excluding ATO and superannuation) receive a lower processing rate of 1.29%!

If it has a BPAY Biller code and reference number on the bill, you can pay it with Sniip and earn your full points!

How do I sign up?

Signing up is easy! Simply download the Sniip app from either the Apple App Store or the Google Play Store and follow the prompts to sign up! 

Join the 70,000+ Australians using Sniip to pay their personal and household bills to maximise their rewards points. 

Enter your mobile number and we’ll send you a link to download the app!

How do I pay?

Making payments through Sniip is seamless and super fast. Once you have signed up and downloaded the app, you can upload and pay your bills within seconds. 

Scan your bill or import it from your emails, then add your payment method or pay directly with your card from your ApplePay or GooglePay digital wallet. 

Fast Five FAQ: Our most frequently asked questions in August

Fast Five FAQ: Our most frequently asked questions

1. Can I switch my existing direct debit/auto-debit bill payments over to Sniip?

Absolutely! If you have a direct debit/ auto-debit set-up through your bank or with a biller for the same amount every period, you can use Sniip’s recurring payment feature. 

Many Sniip users have switched to recurring payments for bills such as rent, internet, monthly insurance instalments etc. In doing so, users earn full points on each payment if they choose to pay with a points earning card. 

Ready to get set-up? All you have to do is add your bill to your Sniip account, tap ‘Schedule’ and setup a recurring payment. 

2. What are the processing times for payments?

It can take between 24 and 48 hours for Sniip to receive your funds. We process your bill payment the same day as we receive your funds. 


The cut-off times for payments to be made the next business day are: 


  • 11.59pm AEDT Visa/Mastercard
  • 6pm AEDT Amex
  • 6pm AEDT Diners (+ 1 extra business day)
  • 6pm AEDT Bank Accounts (+ 1 extra business day)

Payments made after this cut-off will not be processed next business day – they will be processed the business day after. 

Payments made after this cut-off will not be processed next business day, they will be processed the business day after.

Please note any payments made over the weekend will be processed on Monday (or the next business day for instances of a public holiday). For payments made with a BSB and Account number, it can take 2-3 business days for your payment to be processed.

3. How long does it take to review a biller?

Great question! If you’ve tried to add a BPAY Biller Code and it says ‘Biller Under Review’, it means that you are the first person to pay this biller. We are required to review each BPAY biller to ensure that it is in a permitted industry and not restricted by any of our banking or acquiring partners.This process is usually completed within one (1) business day of you adding that biller for the first time in Sniip. If you require us to review your biller urgently, please email us a copy of the invoice/bill to pay to customercare@sniip.com.

4. Is my payment treated as a cash advance?

When you make a payment through Sniip, it is not treated as a cash advance. The payment is treated as a standard purchase/payment on your credit card and does not incur any cash advance fees.

5. Why does it say this biller does not accept Amex?

If you scan the Sniip QR code on a bill (rather than the BPAY Biller Code), it may come up that the biller doesn’t accept American Express. 

In this instance, you can scan or enter the BPAY Biller Code on that bill, which will allow you to make the payment with your American Express credit card (and earn full points).  

This will also occur when you try to pay billers currently restricted by American express (e.g. DEFT). Billers that are classified as a ‘Payment Aggregator’  are currently restricted when paying via Sniip.