The simple fast best easiest ultimate savvy better preferred way to make business payments
Free to download, easy to use. No monthly fees and the best way to earn full points on all your payments.
Pay all your business expenses with your credit card
Sniip enables you to pay all your business expenses* with your preferred payment method, even if your supplier doesn’t accept it directly.
*Restricted/prohibited industries apply
Trusted partner of
American Express Tiers
Use your business/corporate Amex for more business expenses and maximise your points with our best in market processing fees.
* Assumes corporate tax rate of 25% and GST is claimed
Calculate your reward points!
Bill amount
1
Select your payment method
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
Amex Centurion Card
Diners Club Business Card
NAB rewards signature
NAB Qantas Business Signature Card
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Mastercard Business Awards
Mastercard Business Platinum Awards
Citi Prestige Mastercard
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
Amex Centurion Card
Diners Club Business Card
NAB rewards signature
NAB Qantas Business Signature Card
Mastercard Business Awards
Mastercard Business Platinum Awards
Citi Prestige Mastercard
Total points earned*
10,219
Velocity Points
Bill amount
$10,000
Processing fee (excl GST)
(Tier 1: $0 - $99,999)
$199.09
GST
$19.91
Total
$10,219.00
Assumes points earn based on 1 point/s per dollar spent.
Velocity Points
Bill amount
$10,000
Processing fee (excl GST)
(Tier 1: $0 - $99,999)
$199.09
GST
$19.91
Total
$10,219.00
Assumes points earn based on 1 point/s per dollar spent.
$10,000
Processing fee (excl GST)
(Tier 1: $0 - $99,999)
$199.09
GST
$19.91
Total
$10,219.00
Assumes points earn based on 1 point/s per dollar spent.
(Tier 1: $0 - $99,999)
$199.09
GST
$19.91
Total
$10,219.00
Assumes points earn based on 1 point/s per dollar spent.
GST
$19.91
Total
$10,219.00
Assumes points earn based on 1 point/s per dollar spent.
Total
$10,219.00
Assumes points earn based on 1 point/s per dollar spent.
Assumes points earn based on 1 point/s per dollar spent.
* 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.
You can't afford not to pay business bills this way!
FAQ
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 American Express – Business 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.
Points are provided by your credit card provider and your points earn per $1 spend (i.e. 1.25 points) can differ from card to card. Please review your card providers terms and conditions for points earning eligibility.
I thought the Amex rate was 1.5%, what happened?
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 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! 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.
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%.
How do I know what tier my payment falls under?
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 | 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% |
** After Tax Rate assumes a 25% Small Business company tax rate.
If I’m a sole trader, will I be charged the business, or the personal rate if I pay the ATO?
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.
What is Sniip's criteria for determining what is business and personal payments?
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. Payments to the ATO, including superannuation, are charged at the business rate when using any American Express card.
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 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.
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!
I always use a personal Amex card for business expenses. Can I just use my business Mastercard instead now? What’s the fee?
Absolutely! The processing fee for all Visa/Mastercards is 1.5%.
Looking for personal payments?
Payments from your phone
Download the Sniip app, your go-to for all your business bill payments, right from your phone. It’s the simplest way to make payments, manage your bills (and earn full points).
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