Business payments

Pay your business bills.
Earn full points.

Suppliers, invoices, ATO, BAS, super, and more. Pay with the card you choose, even when your supplier doesn’t accept it directly, and earn full points on every payment.

Trusted by 200,000+ Aussies
Paying a $1,000,000 ATO bill on Amex through Sniip and earning up to 3,000,000 loyalty points
Don't have an Amex Business card yet? Earn rewards on every business payment.
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What can my business pay?

If it has a BPAY biller code, BSB or invoice, chances are you can pay it with Sniip.

Suppliers and invoices

Pay on your terms, even if your supplier only takes bank transfer.

ATO, BAS and superannuation

Keep cash flow flexible and earn points on payments you have to make anyway.

Rent and operating costs

Office rent, utilities, insurance, all payable by card.

Some payment types are subject to eligibility and processing rates. See pricing for details.

Pricing

Tiered rates that fall as you scale

Sniip offers tiered processing rates for American Express business and corporate cards. The higher your payment, the lower your effective rate after tax.

Single payment amount Rate (inc GST) Rate (+GST) After tax rate
$0 to $99,999 2.19% 1.99% 1.49%
$100,000 to $299,999 2.15% 1.95% 1.46%
$300,000 to $499,999 2.09% 1.90% 1.43%
$500,000 to $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 and that GST is claimed.

Visa and Mastercard credit cards: 1.50% flat
Points calculator

See what your everyday bills are really worth.

Your business already pays the ATO, super, suppliers and rent. Run the numbers and see the points you're leaving on the table, earned on the full amount, fee included.

Points on ATO, BAS, super & more Your favourite payment method
Points Booster

Turn every bill into a points machine.

Earn up to 3 points per $1 on any bill, uncapped, every month. Most billers cap or block points on the ATO, rates and insurance. Sniip doesn't.

Stacks on any card

Bonus points on top of your card's standard earn rate.

Uncapped each month

No monthly cap, boost whenever you want.

Qantas Frequent Flyer or Virgin Australia Business Flyer

Straight to your loyalty of preference.

Built into the app

Nothing to set up, toggle it on per payment.

🚀 Points BoosterBoost
A REAL SNIIP PAYMENT EXAMPLE
$80,000
ATO tax bill, paid on Amex
Most cards & billers
Capped or blocked
With Points Booster, you'd earn
up to 240,000
Loyalty points

Calculation based on a $80,000 payment using Points Booster with the Platinum tier choosing Credit Card as your payment method.

Why Sniip for business

1

No monthly fees

Free to download, no account keeping fees, ever.

2

Best rates in market

Our after tax Amex business rates sit below 1.5% across every tier.

3

Set and forget

Schedule recurring payments and stay on top of cash flow.

4

Secure

Tier 1 PCI DSS compliant, protected by the highest encryption standards in the business.

Why does my Amex rate depend on what I'm paying for?

American Express sets the rate, not Sniip. They classify every payment as either personal or business based on the industry of your biller, not your intention.

Personal rate

1.29%

Applies to everyday bills like utilities, rent, insurance, telecommunications, medical and education costs, and most government fines and fees.

Business rate

from 1.99%

Applies to ATO and superannuation payments (on any Amex card, personal or business), and any payment outside the personal categories above.

Either way, you'll always see your rate before you pay, and you'll always earn full points.

Frequently asked questions

Sniip lets you pay business costs like rent, supplier invoices, utilities and the ATO with the card or payment method you choose, even when the biller does not normally accept it. You can earn your card's rewards on the payment, earn points through Sniip on top, and lift that further with Points Booster. There is no subscription or monthly fee, just a small fee per payment.

There are two types of points, and they work differently.

Your card's own rewards: your card is charged the full amount that goes through Sniip, which includes the processing fee. You earn your card's rewards on that full amount, at your card's standard earn rate.

Points earned through Sniip: these are credited to your Qantas Frequent Flyer or Velocity account and are calculated on the payment amount only, so the processing fee does not earn points through Sniip.

Business rate, regardless of card type. See the rate explainer above.

Visa and Mastercard credit cards are a flat 1.50% for all payment types. See more about fees here.

All rates are shown before you pay, and you can check with us first if you're unsure.

Want to talk it through?

Book a demo with our support team and get your questions answered.

Book a demo

Get started today

Download Sniip and start earning full points on your business payments.

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