Personal payments

Pay BPAY with your American Express

Sniip has partnered with American Express, pay all your bills and earn full points. 

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

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Discover why Steve Hui endorses Sniip

Trusted by


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

Using points to fly Business Class is like alchemy – turning metal into gold.


Talent Butler

Thanks Sniip, I’d highly recommend you to other businesses and thank you for your great customer service.

Points Calculator

Bill amount
Select AMEX card
Amex Velocity Business Card
Amex Velocity Business Card
Amex Platnium Business Card
Amex Qantas Business Rewards Card
Amex Business Explorer Credit Card
Amex Gold Business Card
Amex Qantas Corporate Platinum Card
Amex Corporate Card
Amex Qantas Corporate Gold Card
Amex Qantas Corporate Card
Amex Corporate Platnium Card
Amex Corporate Gold Card
Total points earned*
Velocity Points
Bill amount
Processing fee (excl GST)
(Tier 1: $0 - $99,999)

* Please note: the above calculator is an estimate and not an exhaustive list of the Amex 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 accurate information or contact Amex directly.

The Value of Points​

Why Sniip?

Sniip allows you to get the most points on your personal bills, whilst also helping you manage your bills seamlessly in the one app. Sniip makes it easier to determine value from ALL your personal bills.

Whether it’s an around the world trip, or an upgrade to business class, travel is always the best use of your points!

amex earn full 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. Use your amex to pay bills 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? Accumulating Amex Membership Rewards Points throughout the year by paying your rates, insurance or tax bill means that the sky is the limit. Pay bills with amex with Sniip!

*General advice only, please refer to the Amex website for the most accurate information. 

We prioritise your payment security

Sniip is a trusted partner of Amex. Payment security is of the highest priority at Sniip.

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. 

Sniip is proud to have achieved and maintains Tier 1 Payment Card Industry Data Security Standard (PCI DSS) compliance.

This mean 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). All BPAY payments made through Sniip happen via a two-legged transaction. 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. The payment that you make to us will appear on your statement as ‘Sniip Ltd’. 

We have processed over $500 million worth of bill payments to date. 

For more detailed information, you can read our terms and conditions. 

Ready to get started?

Personal Payments
Sniip offer's the lowest processing fees for personal payments.
Business Payments
Sniip offer's a tiered pricing structure for Business or Corporate payments.


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. 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. Please refer to our full terms and conditions for more information. 

Unfortunately, we are restricted from allowing payments to certain billers using credit facilities, as determined by BPAY and our banking partners. 

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. 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. 

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. 

Great question! We’ve built a points calculator just for you, superstar! You can explore the points calculator, here.

Sniip was a consumer app, offering a consumer rate. We appreciate there was growing demand for business payments with Sniip and to continue to offer this service, we were required by Amex 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%!

Absolutely! You earn full points (even at the ATO) on the transaction amount and the processing fee. 

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%.

Sniip has no transaction limit. There are however, minimum and maximum payment amounts determined by each biller. 

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. 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.

Good question! 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




$100,000 – $299,999




$300,000 – $499,999




$500,000 – $999,999








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

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! 

We’re working on it as you read this. Launch 2023! Promise. 

Download now 🚀

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