Blog Post

My BPAY Biller Code isn’t accepted, what can I do? 

Great question! If you’re the first person to make payment to a specific biller in the Sniip app, you’ll receive a pop-up that says “Biller is not available”. 

Please contact us via customercare@sniip.com or call (07) 3268 7710. We will review the bill you’re attempting to pay and where possible, add the biller to our system. 

Sniip has restrictions on some billers. These include: 

• Remittance service provider
• Charities & non-for-profits 
• Intermediaries
• Payday 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
• Banking and financial institutions

If you believe you should be able to pay any of these billers, please contact Sniip and we will evaluate your biller on a case by case basis. 

Can I pay a bill with BSB and account number? 

Not right now but watch this space – we’re working on a solution! We currently facilitate bill payments through the more than 60,000+ billers who offer a BPAY Biller Code on their bills or utilise the Sniip circular QR code. 

Rest assured we’re towards facilitating direct bank transfers with BSB and account numbers in the Sniip app. 

What’s the cost to use the Sniip app?

Sniip is a free app that allows customers to easily make bill payments on their mobile device. There are no subscription fees, service fees or other hidden costs. 

Debit cards are completely free to use in the app. Visa, Mastercard and Amex credit cards incur a 1.5% (incl GST) processing fee, however you receive full points on your bills (including the ATO). This is the lowest possible surcharge you can pay when making a bill payment using a credit card.

Can I set up a recurring payment for my bills?

Absolutely! To create a recurring payment, follow these simple steps: 

1. Import your bill to the Sniip app using your chosen import method 

2. Tap on the bill you’d like to pay from the home menu

3. Tap ‘schedule’ from the bottom right of the screen

4. Select ‘create recurring payment’ 

5. Choose the amount you’d like to pay and the frequency you’d like to pay it. Then choose the end date, or select no end date. Done!

How do instalments work? Is it Buy Now, Pay Later? 

Sniip provides users with the flexibility to pay their bills in instalments before the bill is due. Currently, we do not offer a ‘Buy Now, Pay Later’ option in the Sniip app. 

To create an instalment payment, follow these simple steps: 

1. Import your bill to the Sniip app using your preferred import method 
2. Tap on the bill you wish to pay and select “Schedule”
3. Select “Create Installment Plan”
4. Input the bill due date and the number of instalments you wish to pay.
5. An instalment schedule will be populated for you to ensure you’ve got the right amount of money to pay your bill when it’s due. 

Please note: To allow for adequate processing time and ensure your bill is paid on time, the money will be debited from your account three days before the bill due date. 

If you have any questions, please email customercare@sniip.com or call (07) 3268 7710. 

You asked, we answered! You can now set and forget all the recurring payments/ subscriptions in your life in the Sniip app. We’re talking rent, phone bills, internet, gym subscriptions, health insurance, lessons and tutoring, you name it! If it’s got a BPAY Biller Code, you can make it recurring.

With Sniip recurring payments, you take back control of your payments! Gone are the days of handing over your bank accounts to the mercy of a merchant and jumping through endless hoops to have them halted/ cancelled. 

Here’s how it works:

Add your bill to the Sniip app by scanning, manually importing or auto importing. 

1. Tap on the bill you’d like to pay from the home menu
2. Tap ‘schedule’ from the bottom right of the screen
3. Select ‘Create Recurring Payment’
4. Choose the amount you’d like to pay and the frequency you’d like to pay it 
5. Choose the end date, or select no end date. 
​​​​​​​Done! 

We’re getting questions coming through asking about the different ways you can add your bills to the Sniip app.

We thought we’d share them with you here today. 

Fun fact! There are four ways you can add your bills to the app:   

1. Scan a bill 

2. Manually add a bill 

3. Import a bill from email 

4. Sign-up for auto email import

1. Scan a bill

Open the Sniip app, tap the ‘+’ icon

Select ‘Scan’ 

However your phone camera over the BPAY Biller Code or Sniip QR code on your bill

Your bill will be automatically added to the Sniip app

Done! 

2. Manually add a bill 

Open the Sniip app, tap the ‘+’ icon 

Select ‘Manually add’ 

Locate the BPAY Biller Code on your bill and enter the number into the ‘Search Biller’  

Select the Biller, enter the amount to pay and the due date 

Done! 

3. Import a bill from email 

Open your emails on your mobile device 

Locate the email containing the bill you want to import. 

Open the PDF attached to the email 

Select the ‘share’ or ‘copy to’ icon, scroll to the Sniip icon and tap 

Select ‘Upload bill’

You’ll receive a push notification when you bill is added to the Sniip app. 

Done! 

4. Sign-up for auto email import*

Open the Sniip app, tap the menu bar on the top left corner 

Select ‘Import from Email’ 

Select ‘Connect Google’ and then ‘Continue’ 

Choose the email account you want to connect 

Select ‘allow’ 

Done! Your emails containing a BPAY Biller Code will be automatically added to the Sniip app ready for payment. You’ll receive a push notification when your bill is ready for payment.

*Please note: This feature is only available for Gmail accounts

We completely understand 2020 was a tough year for most and we could often do with a little more time to get those never-ending bill payments sorted!

Enter, Sniip instalment plans. You can now pay off any bill in instalments with Sniip.

Simply enter the due date and select how many instalments you’d like to pay the bill off in. 

Sniip creates you an instalment plan and helps you clearly understand the amount and time of each payment.

Please note, this isn’t a ‘Buy Now, Pay Later’ offering (watch this space) – rather, this feature gives you the flexibility to pay off your bill in instalments, without missing the due date.

With Sniip instalments, we pay your bill off in instalments to the biller as we receive the money from you. We don’t hold any funds in the Sniip app, nor do we provide credit.    

Most billers are okay with receiving your bill in instalments as long as they’ve received all the funds by the due date. We calculate this for you as part of your instalment plan. 

To create an instalment plan, follow the simple steps below:

1. Import your bill to the Sniip app using your method of choice
2. Tap the ‘Schedule’ button
3. Select create Instalments plan
4. Customise the details on the following 4 pages to create an instalment plan that suits you

The schedule payments you have created through the instalment plan can be viewed via the schedule tab. The payments will go out on the date that you selected when creating the instalment plan.

If there’s a feature you’d like to see in the Sniip app, let us know! Email customercare@sniip.com or phone (07) 3268 7710.

You know the old adage, there’s no such thing as a silly question. We’re big believers of that at Sniip! And the reality is, if you’re thinking it, it’s likely someone else is too. Plus, we really just love hearing from you too.

With that in mind, we thought we’d share the top five questions asked by our Sniip Superstars to our customer service teams this week. 

1. When is my bill paid? 

We pay your bill as soon as we receive your funds. Generally speaking, we receive your funds the next business day.  

For example, if you pay your bill via Sniip on a Tuesday, we’ll receive your funds on Wednesday and your bill will be paid on the same day. 

If you use a Visa or Mastercard and pay by midnight AEDT, we’ll receive your funds the next business day. Your bill payment is made the same day that we receive the funds via BPAY.

Please note: If you pay on a Friday, we won’t receive the funds until Monday. That’s why it’s important to add your due dates to the app and we’ll automatically schedule when your bill is paid, so that you meet your due date.

2. Do you pay my bill in full for instalment plans and then I pay Sniip back?  

Great question! With Sniip instalments, we pay your bill off in instalments to the biller as we receive the money from you. We don’t hold any funds in the Sniip app, nor do we provide credit.    

Most billers are okay with receiving your bill in instalments as long as they’ve received all the funds by the due date. We calculate this for you as part of your instalment plan. 

Sniip instalment plans are not currently a buy now, pay later offering (but watch this space). 

You can find out more about setting up an instalment plan, here.

3. Your app was recommended by Amex with a rate of 1.5%. What’s the benefit of using Sniip for Amex transactions?  

Hello friend, welcome to Sniip! We’re so happy you’re here. 

We recently reduced our processing fee from 2.2% to 1.5%. This was made possible through our direct partnership agreement with American Express Australia (Amex). 

The advantage of using Sniip is that you can pay your bill with Amex where it may currently not be an available payment method (many councils and Government agencies). Plus, you’ll earn full points on your card. 

As you’d know, paying through your bank or directly to billers (Government agencies or utility providers) generally means either reduced or no rewards points at all on these types of transactions. 

Paying with Sniip means that you always earn full points. 

Put simply, almost all bills that contain a BPAY Biller Code (there’s over 60,000 BPAY Billers in Australia), can be paid with your credit card using Sniip, earning you full points.  

4. Is there any other way to pay a bill than scanning the BPAY Biller Code and Reference Number. 

Absolutely! Firstly, you can enter the BPAY Biller Code and Reference numbers manually. 

Alternatively, you can ‘share’ or import the bill attachment to the Sniip app from your email. 

Or, our favourite option: If you have a Gmail account, you can sign up for auto bill import and have your bills automatically sent to the Sniip app for payment. 

(link to article of auto bill import). 

5. What are your processing fees? 

The processing fee for Amex, Visa and Mastercard is 1.5%. International cards attract a 3% processing fee. 

Plus, there’s a free option. You can use a debit card for free in the Sniip app. 

That covers all the processing fees in the Sniip app. 

Any other fees noted are from you biller. When you scan the BPAY Biller Code on your bill, all the rates are the same. 

If you’re scanning a Sniip QR code, the surcharges are defined by the billers and should be the same as paying through their website. 

These processing fees include GST which you can claim back at tax time a GST registered business.