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The ‏‏‎ ‏‏‎ ‏‏‎ Big ‏‏‎ ‏‏‎ ‏‏‎ Questions

What is Sniip?

Sniip is the easy way to pay. Turn your smartphone into the ultimate bill payment experience. Sniip is a free mobile app that allows you to store your credit and debit cards to pay a bill in less than 10 seconds!

How does Sniip work?

Using Sniip’s scan-to-pay feature you can create digital bills and pay them directly from your mobile phone. Once registered, simply scan a Sniip QR code and confirm your payment using Touch ID/Face ID or a 4-digit PIN. Sniip makes paying bills quick, easy and convenient.

Who can use Sniip?

Sniip is for anyone who wants to save time paying bills and manage them electronically.

Is the Sniip app free?

Absolutely! Sniip is free to download and paying with Sniip is easier than paying directly via the service provider’s website.

*Credit card surcharges are at the discretion of the service provider and may apply to Sniip transactions. Please check the fine print on your bill or with your service provider.*

What bills can I pay?

Sniip has a number of Queensland based council and utility providers that have Sniip as a payment option. Look out for the circular Sniip QR code on these bills.

You can now scan BPAY codes. Look out for the BPAY biller codes and reference numbers to scan.

You can also pay selected Australia Post billers via the Sniip® App by scanning the Post Billpay barcode.

Getting ‏‏‎ ‏‏‎ ‏‏‎ Started

How do I create an account?

To create an account with Sniip, you will need to download the app. Once you have downloaded the app, click sign up. You can sign up using your social accounts, email or mobile. Select how you want to sign up and follow the prompts.

How do I add a payment method?

To add a payment method, click the menu button in the top left-hand corner and click ‘Payment Methods’. Click the + in the top right-hand corner and follow the prompts.

How do I scan a bill?

Firstly, locate a BPAY code or Sniip QR code usually located on the bottom of your bill – this can be an electronic pdf on your computer or a paper bill.

Open the scanner in the Sniip® app by click ‘Scan a bill’. Position the code in the middle of the guides and ensure you have sufficient lighting. Sniip will recognise the code and prompt you to add your bill.

How do I pay my bill?

Once you have added your bill, click ‘Pay’. Confirm your payment information and complete your purchase with your Touch ID/Face ID or 4-digit PIN. Alternatively, you can set a calendar reminder or schedule a future payment. It’s that easy.

Can I scan any code on a bill using Sniip?

You can now scan BPAY biller codes!
Over 45,000 billers Australia wide use BPAY, which means you’ll be able to enjoy Sniip’s effortless bill payment experience when you pay:

  • Energy bills
  • ATO tax bills
  • Rent (DEFT) and Body Corporate
  • Phone & internet bills
  • Insurance – car, health, home and contents etc
  • School fees
  • Rates and water
  • Car rego
    …and more!

Sniip is also partnered with selected billers that use the Sniip branded QR codes, therefore not all bills have a Sniip QR code, click here.


What bills can I pay?

You can now scan BPAY biller codes!
Over 60,000 billers Australia wide use BPAY, which means you’ll be able to enjoy Sniip’s effortless bill payment experience when you pay:

  • Energy bills
  • ATO tax bills
  • Rent (DEFT) and Body Corporate
  • Phone & internet bills
  • Insurance – car, health, home and contents etc
  • School fees
  • Rates and water
  • Car rego
    …and more!

Are there surcharges involved?

Yes, they are as follows:

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If I use my credit card, is it treated as a cash advance?

No, it is not treated as a cash advance.

Sniip is an authorised BPAY member. We process your funds through our payment gateway, into a trust account with our banking partner. Once these funds have cleared, we make the BPAY payment on your behalf. Because the funds are cleared in the trust account, it is treated as a normal credit card purchase, not a cash advance.

If you have a rewards credit card, you will earn points on the first leg of the transaction (payment into trust account).

Will I earn points on the transaction?

Yes, if you have a rewards credit card, you will earn points on the first leg of the transaction (payment into trust account).

Why can’t I pay my BPAY bill?

Due to the risk profile of certain billers, Sniip has initially restricted certain sectors.
Theses categories include:
Remittance Service Provider
Charities & Non-For Profits
Pay Day Lenders
Internet Gambling
Goods Dealers
Foreign Exchange Currencies
Securities & 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 these billers individually.

Frequently ‏‏‎ ‏‏‎ ‏‏‎ Asked ‏‏‎ ‏‏‎ ‏‏‎ Questions

Why can’t I scan my bill?

If you are having difficulties scanning your bill, try some of the following troubleshooting steps:

  • Make sure there is ample light,
  • Try holding your phone closer/further away from the code
  • Clean your phone camera lens

Make sure you are scanning a Sniip® QR code. If you continue experiencing difficulties, please contact Sniip support at

Can I pay a bill using my Amex card?

Yes! Sniip does have the ability to process Amex for bills paid using a BPay Biller code and reference.

What if I lose my phone?

If you lose your phone, don’t worry, your credit card details remain secure. Simply download the Sniip® App on another device, log in and you will be able to continue using Sniip.

What if my card is stolen or replaced?

You will need to login into your Sniip account and remove that card from your payment methods. Simply navigate to ‘Payment Methods’ in your side menu and click ‘Remove payment method’. This will remove the card permanently from the app.

What is Sniip’s refund policy?

Sniip is unable to issue refunds. All refunds must be initiated by the biller, please contact them directly to request a refund.

Can I use Sniip overseas?

Yes! If you already have the app installed on your mobile device you can manage your bills from anywhere.

If you are wanting to install Sniip whilst overseas you will need to make sure your App store country is set to Australia.

Can I schedule a payment?

Yes! Once you navigate to the ‘Pay’ screen, select ‘Pay Later’ and pick the date you want Sniip to process your payment.

Leave the rest to us!

I have paid my bill outside of Sniip, why does it not show on my bill details in the Sniip® App?

Our system does not know when you have paid your bill outside of Sniip. So if you have paid your bill by other methods, this will be something you need to keep track of. If you are unsure of the amount that remains on your bill, please contact your biller.

I have over paid a bill, what do I do?

Once you have overpaid a bill, your account will go into credit. You have 2 options:

  • Wait until the credited amount is deducted from your next bill
  • Contact the biller to request a refund

If I scan a bill, will it automatically pay the next one too?

To set up a scheduled payment, simply select the bill you would like to pay and then select the “schedule” button in the Sniip app and choose the date you’d like the payment to be made on.


Is Sniip secure?

Absolutely! Sniip ensures all payment data entered into a Sniip application or transmitted as part of a transaction is managed with the highest level of security.

How does Sniip store my credit card?

Your credit card data is encrypted and securely stored. Credit/debit card details are only sent to verified 3rd party payment gateways at the time of payment.

Where does my money go?

Payments are processed directly by the service provider, Sniip never holds any money.

Who does Sniip share my personal information with?

Sniip only shares your personal information with the service provider you make payments with for reconciliation purposes. We never share your information with any other 3rd party.

Is Sniip PCI compliant?

Yes. Sniip is certified Tier 1 PCI DSS Compliant. This is the same standard that an Australian bank must comply with.


How long do payments take to reach the biller?

Sniip uses the same payment gateway the biller uses. However, each biller may have different transfer time-frames.

Can I use Apple Pay or Google Pay?

We now allow our users to make payments using Apple Pay. We are still working on setting up Google Pay but we promise it will be available soon.

Can I partially pay a bill?

Yes! Once you add your bill, simply amend the amount to be paid and partially pay your bill.

Will I get a receipt?

Yes. After a successful payment you will get a transaction receipt which is stored in your history tab. This receipt can be emailed from the app.

What happens if my payment fails?

If your payment fails, please check your card details are correct and up to date. As your information is securely stored, you will only be able to view the last 4 digits of your card. You may need to delete your current card in ‘Payment Methods’ and re-enter the card details.

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 plan. To create an instalment plan simply tap on the bill you wish to pay and select “Schedule”, then select “Create Instalment Plan”. You can then set up a bill due date and the number of instalments you wish to pay.

Can I pay a bill with BSB and account number?

Unfortunately, we are currently only allowing Amex payments with companies that provide a BPAY Biller Code. We are working towards allowing direct bank transfers.

My bill is a different amount each time, how do I automate this payment?

We completely understand some bills like phone bills differ from month to month. There’s two options we’d suggest. 

1. Set-up a recurring payment 

Add your bill to the Sniip app using your preferred method of import. Type in the maximum amount you anticipate your bill will reach any given period.

2. Hook-up your email 

Alternatively, if you don’t fancy being in credit with your biller using option 1, set up email connect with Sniip.

Customer ‏‏‎ ‏‏‎ ‏‏‎ Experience

Is Sniip available on all mobile phones?

We currently support most devices running:

  • iOS 10 or later
  • Android 6.0 or later

Does Sniip support Touch ID and Face ID?

Yes! Sniip supports both Touch ID and Face ID, as long as your mobile device does.

How do I reset my password?

If you are logged in to your account and wish to change your password, click on the menu button in the top left-hand corner and navigate to ‘Account’. Select ‘Change Password’ and follow the prompts.

If you are logged out of your account and wish to reset your password, click on the ‘log in’ button. Select Mobile or Email and click ‘Forgot your password?’ Follow the prompts to reset your Password.

How do I reset my PIN?

To reset your PIN, click on the menu button in the top left-hand corner and navigate to ‘Account’. Select ‘Change PIN’ and follow the prompts.

How do I delete my account?

Please email Sniip at so we can permanently delete your account, then simply uninstall the app.

How do I remove a payment method?

To remove a payment method, click the menu button in the top left-hand corner and click ‘Payment Methods’. Navigate (by swiping) to the payment method you want to remove. Click ‘Remove payment method’ – a confirmation alert will be displayed. Click ‘remove’.

Can I share my bill?

You can share your bill with your allocated email address. When you have a bill open, click on the more options icon in the top right-hand corner. Select ‘Email to me’ and a confirmation alert will be displayed. Click ‘Send email’. The bill has now been sent to your account email and can be forwarded from there to any recipients’ email.

I just accidentally deleted a bill, how do I recover it?

If you have deleted your bill, you can rescan the original bill or if you no longer have the original, please email Sniip at and we can recover it.


What is m-Billing?

Go paperless and choose to receive your bills straight into Sniip®. Get a push notified when new bills arrive, and have them stored in your To Do list until they’re paid, so you’ll never miss a payment again!

How do I register for m-Billing?

If you are unable to register for m-Billing this is because your council doesn’t support our m-Billing service yet. Please contact your council and express your interest in using Sniip® to receive future bills via your mobile.

How do I remove an m-Billing subscription?

To remove an m-Billing subscription, click the menu button in the top left-hand corner and click ‘m-Billing subscriptions’. Click ‘Remove’ on the selected subscription.

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