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Leah Kidd

Our Most Helpful Q&A in 2023: You ask, we answer!

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Our Most Helpful Q&A in 2023: You ask, we answer!

Can I pay more than rates and water with Sniip?

Absolutely superstar! You can pay any* bill with a BPAY Biller Code and Reference Number on it using Sniip. 

The same way you scan the Sniip QR code, you can scan the BPAY Biller Code and Reference Number on any bill. You can explore scanning the BPAY Biller Code, here. 

Some other bills you may need to pay  include rent, school fees, ATO, land tax or a HELP (formerly HEX) debt. 

*restricted industries and payment method groups apply

Why do I have to verify my account/card? I’ve already verified?

Great question! There’s a number of flags that will trigger a request to complete user verification. This might include adding a blocked biller (new or restricted industry), adding a payment method that’s different to your legal name, or transacting whilst overseas. 

The good news is, you can verify yourself or your cards at any point to ensure your account gets the green tick from our compliance department. 

If you add another payment card down the track and trigger a fraud rule, you may be asked to further verify that specific card. This is a swift process requested for the security of your account to ensure you’re in possession of the card. 

This might include if the new card you’ve added is in a different name to the legal name on your account. 

You can read more about the Sniip user Verification process, here. 

What does ‘Biller Under Review’ mean?

Here’s a little insight into an important task we do – each BPAY biller is manually reviewed by the Sniip Operations Team to ensure it falls under an approved industry! 

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 BPAY Code. 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 a biller has been restricted by us, you will receive a ‘blocked biller’ message when you try to process the bill payment.

Due to the risk profile of certain billers, Sniip has been required by our banking partners to restrict payments that fall within the following sectors.

These categories include:

  • Travel or holiday accommodation products 
  • Banking and financial institutions (incl car and home loans) 
  • Hiring and leasing 
  • Remittance service provider (i.e overseas payments) 
  • Charities and not-for-profit
  • Intermediaries
  • Pay-day lenders
  • Gaming (incl Internet gambling and casinos) 
  • Goods dealers and foreign exchange currencies 
  • Securities and derivatives
  • Managed investment schemes
  • International business operations

If you believe you should be able to pay any of these billers, please email a copy of your invoice through to customercare@sniip.com and our team will evaluate your biller on a case-by-case basis.

When can I pay a payment to BSB and Account Number?

Our #1 requested feature from our valued users. We’re working on it right now and it’s currently looking to launch early in the new financial year. The good news is, by being a registered user of Sniip, you’ll be the first to know when it’s available! 

To prepare for this feature release, you can connect your eligible email account for auto bill import. When the feature is launched, we’ll be able to add your BPAY as well and any bills that need to be paid to a  BSB + Account Number (bank account), the minute it’s launched! 

Do you have a daily limit for transactions?

There’s no limit at Sniip’s end. We’re able to process bill transactions for any amount. 

What we do say is, if the transaction you’re making is unusual for your account, it may be blocked by your bank or card provider. This is more common with American Express. If this is the case, simply call the number on the back of your card and let them know it’s you making a large payment. 

Then you’re able to process the transaction with Sniip and earn those full reward points that we all love. 

High Tech: What happens when you turn on auto-import

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High Tech: What happens when you turn on auto-import

This is the ultimate way to streamline your bill payments

We weren’t lying when we said we wanted to take bill management to the next level!

We’re extremely proud of our Auto-Bill Import feature, which automatically imports your bills from your inbox into the Sniip app, allowing you to receive and pay your bills in seconds. We’ll even send you a notification when a new bill has landed in your account! This way, you can manage all your bills in one place and pay or schedule them with just a few clicks.

P.s. If there’s one thing we’d recommend to you, it’s getting this feature set up in your Sniip account ASAP in preparation for our exciting launch of our ‘Pay to BSB and Account Number’ capability (coming soon)! Let us help you to make sure you never miss a bill payment again. 

Here’s how you do it:

Log into Sniip and select the menu bar on the top left of your screen. 

Tap ‘Import from email’ and select ‘Connect Google’, ‘Connect Microsoft Exchange’ or ‘Connect Microsoft Outlook’. 

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

Click ‘continue’ and follow the prompts to connect your email address!

All 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 customercare@sniip.com or call (07) 3268 7710. We’re here for you! 

Click here for all the supported Microsoft accounts for email auto-import.

Please note: If your bill does not arrive with your email as a PDF attachment, you will need to download your bill first and share it to the Sniip app, as we need the attachment to create a successful auto-bill import. Don’t worry though, adding your bill to the Sniip app is easy! We’ve put together a page guiding you through how to do this, here. 

New Announcement: Sniip Finnies 2023 Finalist

Press Release

Sniip Nominated for Two Finnies Awards: Excellence in Payments and Best Workplace Diversity

We’ve got some exciting news to share: Sniip has been nominated as a finalist for the third year running in the Australian Fintech Awards! Yes, that’s right, three years in a row. If we don’t win this time, we’re starting to feel like the Steve Bradbury of the FinTech world.

Jokes aside, we’re thrilled and humbled to have been named a finalist in two categories at the 2023 Finnies Awards: Excellence in Payments (including Remittance/FX) and Best Workplace Diversity. These awards are like the Logies of the FinTech world, and we’re excited to be part of the action.

As a payment platform, we’re committed to providing a seamless experience for our users, and being recognized for our work in this area is a testament to the dedication of our team. But we’re not just about payments – we’re also committed to building a diverse and inclusive workplace where everyone feels valued and respected.

Our CEO, Damien Vasta, is a passionate advocate for diversity and inclusivity in the workplace, and he strives to provide job opportunities and career advancement to individuals from diverse backgrounds. As a result, our team comprises a diverse set of skills and backgrounds, which has been instrumental in our success.

We want to take this opportunity to thank our shareholders, staff, and supporters for their ongoing support and commitment to Sniip. We couldn’t have achieved this recognition without you, and we’re excited to continue working together to build a better bill payment experience for Australia.

The winners of the 2023 Finnies Awards will be announced on 31 May, 2023. Stay tuned for updates, and thank you again for your support.

New Q&A: Your Most Common Questions Answered

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New Q&A: Your Most Common Questions Answered

I added my bill and it says, ‘Under Review’, why?

It’s likely you’re simply the first person to pay this biller with Sniip. Every BPAY biller is reviewed before it’s approved to ensure the biller falls within a permitted industry. 

Our team will get an alert that you’ve attempted to add this bill and where possible, will review and approve it right away. Assuming it gets the “all clear”, you will then receive a push notification and an email, confirming that it’s ready to be paid. 

From time to time, we might reach out to you and ask for a copy of the invoice. To expedite this process, please send your invoice through customercare@sniip.com, then phone (07) 3268 7710.

We are prohibited from facilitating payments to the following industries: 

  • Remittance service providers
  • Charities and not-for-profit
  • Intermediaries
  • Pay-day lenders
  • Internet gambling
  • Casinos
  • Goods dealers/retailers
  • Foreign exchange currencies
  • Securities and derivatives
  • Managed investment schemes
  • International business operations
  • International students or travel products
  • Hiring and leasing
  • Payments/banking and financial institutions

Why have I been requested to verify my identification and payment method?

Short answer, for the protection of your account and that of all of our users.

There’s certain instances where verification will be required based on our automated fraud control protocols. This may include transacting while overseas, not having your legal name on your account, adding payment methods different to your legal name, adding multiple blocked billers, or creating multiple Sniip accounts. 

At Sniip, the security of your account is our top priority. We are a regulated Bill Payment Service Provider (BPSP) and an authorised BPAY Payer Institution Member (PIM). We adhere to Payment Card Industry, Data Security Standards (PCI DSS) Tier 1, the same level as the major banks. 

Our compliance team works through user verification as quickly as possible – usually within 24-48 hours. If you require this process to be expedited, please contact customercare@sniip.com or call (07) 3268 7710. 

Where do I view my credit card reward points?

If you have used a rewards credit card to pay bills in Sniip, rest assured that you are eligible to earn full points on your payments! Your reward points balance does not appear in the Sniip app as your credit card issuer provides these points.

To find out how to view your reward points balance, check out the links below:

Can I pay the ATO in partial payments?

Absolutely! With Sniip, we don’t restrict how you pay. The ATO accepts partial payments, so you’re good to go. 

There are however some billers who don’t accept partial payments. For example, infringement notices, car registration and licence renewal fees. If you’re ever unsure, just add the bill to the Sniip app and we’ll give you an alert to let you know. 

Partial payments not accepted

Partial payments accepted

Where are you based and what’s the best way to get in touch?

Great question, our headquarters are based in South Brisbane, Queensland. 

You can get in touch with our team one of three ways. 

  1. Live chat (between 7.30am AEST and 6.30pm AEST)

    This is the quickest way to get your question answered in live time (if you can’t find it on our website or in our FAQs). Live chat is on the bottom right of our website and you’ll be speaking with our Brisbane-based Sniip Support Squad.

  2. Phone (07) 3268 7710 (between 7.30am AEST and 5pm AEST)

    Sometimes it’s just easier to talk something out on the phone and we get that. Our Brisbane-based Sniip Support Squad are super friendly and always here to help in the way that works best for you.

  3. You can always simply email customercare@sniip.com (monitored throughout business hours)

New Interface Update: Bill Details Page

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We've got a new look for you!

Meet our newest interface design for your ‘Bill Details’ screen!

The interface displaying your bill details has gone through a complete makeover and we’re ready to show off its new and improved features!

With a focus on user-friendliness, intuitive navigation, and a sleek design, our team has been working hard to bring you a better and more efficient bill payment experience. 

So, whether you’re a seasoned bill-payer or just starting out, rest assured that we’ve got you covered with a hassle-free experience every step of the way.

before

after

Bill Details Updates

Reviewing your bill details before you make a payment has never been easier! We’ve covered all the basics for you including: 

  • View and change your due date.
  • Adding a unique description for your bill.
  • Review your bill information including your BPAY Biller Code and Reference Number. 
  • Set a custom reminder to pay your bill.

The new way to view your bills

At Sniip, it’s important to us that we ensure your bill payment process is as easy-as-can-be, as we strive to create a seamless bill payment journey. That’s why we are constantly working on perfecting the process. From the moment you log in to view your bill details, to the moment you hit ‘Pay’, we strive to create a journey that is effortless, efficient and stress-free!

4 Ways to Import Your Bills

Complete List: Top Billers Targeted In February 2023

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Our most popular payments in February

Are you making the most of your bill payments through Sniip? Find out what bill users like yourself are paying this month!

Here’s our forecast of the bills most likely to be paid with Sniip this month: 

1. ATO 
Whether it’s your personal ATO or your business ATO, it’s a great bill to pay with Sniip. 

Paying the ATO with Sniip allows you to earn full points on your points-based credit card on the payment, even if you’d get reduced/no points if you paid the billers directly. 

2. Energy bills
Here’s some of the top energy bills we see during the month of Feb. 

  • Origin Energy
  • Ergon Energy
  • AGL
  • Energy Australia
  • Alinta Energy
  • Red Energy 

3. Water bills
We all need water and these providers are our users’ favourites! Do you have one of these too? 

  • Sydney Water
  • Yarra Valley Water
  • City West Water
  • Energy Australia
  • Unity Water

4. DEFT (payment system)

  • Electricity
  • Gas
  • Body Corporate

*Please note: You are unable to pay DEFT with an American Express card using Sniip.

5. Phone and internet bills 

  • Telstra
  • Optus 
  • Vodafone

6. ASIC (Australian Securities and Investments Commission)

  • Annual fees

7. Transport and Main Roads Rego Renewal

  • VicRoads 
  • Queensland Department of Transport and Main Roads

8. Council Rates 

  • Brisbane City Council Rates 
  • City of Gold Coast
  • Sunshine Coast Council

9. Strata (unit levies) 

  • Body Corporate 

10. Private health 

  • Medibank Private 
  • BUPA
  • HCF
  • NIB
Bonus bill idea is land tax (11)! 
 

If you pay any of these billers frequently, we’ve got good news for you! In the Sniip app, you can easily set up recurring payments so you can set and forget your bills.

How to set up a recurring payment

  1. Scan or import the bill to Sniip 
  2. In the bill details, tap on ‘Schedule’ 
  3. Select ‘Recurring Payments’ 
  4. Select the frequency and end date for the payments 
  5. Confirm 
  6. Done! 
Manage all your recurring payments from the Scheduled section under ‘Bills’.
Learn more

Would you like a personalised meeting to discuss the best bills to pay to make the most of your experience with Sniip?

Book A Free Demo

Exclusive: Sniip partnership with Virgin Australia, unlocking more points

Press Release

How to earn Velocity Points Australia:

Sniip partners with Virgin Australia Business Flyer

Unlocking a first in the loyalty space. Sniip joins forces with Virgin Australia Business Flyer offering the ability to earn Velocity Frequent Flyer Points when paying business bills. 

Sniip, built on successful consumer bill payments, launches into the business bill payment sector through this marquee partnership.

Over 50,000 Virgin Australia Business Flyer customers can now benefit from additional Points-earning opportunities when using Sniip, including earning up to 7,500 bonus Velocity Points. 

How to earn Velocity Points Australia

How to Earn Velocity Points

Sniip, Australia’s popular mobile bill payments platform, today announces a new partnership with Virgin Australia Business Flyer. The partnerships provides customers the opportunity to earn Velocity Frequent Flyer Points when paying business bills with Sniip. 

New Sniip users will benefit from this compelling offer when making purchases with leading airline Virgin Australia, gaining 7,500 bonus Velocity Points when they spend a minimum of $2,500 on bills in 30 days. Virgin Australia Business Flyer members will also earn 1 Point for every $10 paid on business bills using Sniip. This is in addition to Points they would normally earn from their chosen credit card.

Damien Vasta, CEO of Sniip said the partnership heralds an exciting start to Sniip’s launch into the business payments space. 

“Being able to stand alongside Virgin Australia Business Flyer and Velocity Frequent Flyer is validation Sniip has disrupted the manner in which individuals and businesses choose how they make payments. We are so proud to be offering all users something that’s clearly valuable to them.” 

A Word from Virgin on the New Partnership

 Highlighting Sniip as a pioneer in mobile-bill payments, Velocity Frequent Flyer CEO Nick Rohrlach said, “Businesses can’t avoid paying bills – this partnership offers a compelling reason for our members to use Sniip. Not only can they make payments more easily, but they can now be rewarded at the same time.”

Sniip paves the way to manage all bills. Users can pay everything from ATO to superannuation payments, commercial rent, utilities and now business bills with ease. 

Sniip allows customers to turn Points into rewards seamlessly by transferring business’ Velocity Points to a Velocity Frequent Flyer account. 

About Virgin Australia

Virgin Australia Group is a major Australian airline headquartered in Brisbane, Australia. The company operates an extensive domestic network as well as short-haul international, charter and cargo services. Virgin Australia’s award-winning loyalty program, Velocity Frequent Flyer, now boasts more than 11 million members. The Group employs more than 7,000 people and has been a competitor in the Australian aviation landscape for 22 years.

About Sniip

Sniip is a mobile bill payments platform. The app allows consumers and businesses 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. This has grown by over 250% from 30,000 in January 2021 to more than 85,000 at the end of November, 2022. During the same period, Sniip saw a 1,000% monthly increase in BPAY payment transaction value. The company has now processed more than $600 million worth of bill payment transactions to date.

Learn more about earning Velocity Points here.

New Interface Update: Draft Bills

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New Year, new interface? Draft bills gets a glow-up!

It’s a new year and we’re freshening up your favourite app (we’re no biased) with a nice new interface for adding your draft bills to the Sniip app. 

Why the change? We’ve made this update in preparation for launching pay to BSB and Account Number later this year (yep we really weren’t kidding when we said we’re working hard on it).

You can explore more below, but at high level we’ve updated the interface for importing a bill the following ways: 

1. Import your bill from a photo
2. Share your bill from your email 

Please note: The interface remains the same for scanning a BPAY Biller Code and adding a BPAY Biller Code and Reference Number manually. 

How do I navigate the new flow? It’s easy!

Import bill from photo

  • Tap on the ‘+’ icon in the top right corner.
  • Select ‘Import from photo’, then ‘Take photo’. 
  • Take a photo of the bill you’d like to import into the Sniip app or import a photo from your ‘Photo Gallery’. 
  • Tap ‘Import’ once you have a photo of your bill.
  • Allow your bill to process under ‘Bills’.
  • Once processed, tap on your bill and review your details.
  • Tap ‘Review and submit’ and ‘Next’.
  • Tap ‘Add bill’.
  • Schedule or pay your bill in under a minute!

Import bill from your email

  • Open your emails and locate your bill.
  • Tap the ‘Share To’ icon and select the Sniip app.
  • Select ‘Import bill’.
  • Open your Sniip app to find your bill processing under ‘Bills’.
  • Once processed, tap on the bill and select ‘Add Bill’.
  •  Schedule and pay your in under a minute! 

Is there a new feature you’d like to see in the Sniip app? We’ve love to hear it! Send us an email with your idea to customercare@sniip.com and we’ll pass it onto our Technical Development team! 

New Feature Alert: Drag & Drop Your Bill

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New Feature Alert: Drag & Drop!

Introducing a brand new feature for Sniip – drag and drop!

You can now import your bills easily from your ‘Files’ or ‘Photos’ app by simply dragging and dropping your bill into Sniip, just like you would on your computer. This feature is perfect for individuals and businesses who want to streamline bill payment processes.

If you can’t tell already, we’re pretty big on saving our user’s time and energy when it comes to paying bills. So, say goodbye to the hassle of manual bill entry and hello to more time for the things that matter!

Note: To utilise this feature, ensure you’re running the latest version of the Sniip app (version 23.1.0 or later). 

How to use Drag & Drop

 

It’s super simple to import a bill using drag and drop.

Simply navigate to where you have saved your bill (either a screenshot in your Photo Library, or a PDF in your Files), and tap and hold the bill.

 

From here, you can exit out of the app (while still holding down on the bill), and move it into your Sniip app. 

Just make sure your photo or PDF clearly shows the bill details including the ABN, BPAY Biller Code and Reference Number! 

 

Make sure you wait until you see the green plus sign ‘+’ appear next to your bill, that’s when you’ll know the bill has been successfully added into your Sniip account.

Check out our video on how to import a bill from your photo below!

Just Arrived: Fast Five FAQ Exposed

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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.  

Need help?

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