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The ‏‏‎ ‏‏‎ ‏‏‎ Big ‏‏‎ ‏‏‎ ‏‏‎ Questions

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!

Using Sniip’s scan-to-pay feature you can create digital bills and pay them directly from your mobile phone. Once registered, you 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.

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

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.

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

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.

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.

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.

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.

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.

BPAY

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!

Yes, they are as follows:

 DebitVISA/MasterCardVISA/MasterCard InternationalAMEXDinners
Incl. GST0.65%1.55%3.00%2.20%2.65%

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).

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

Due to the risk profile of certain billers, Sniip has initially restricted certain sectors.
Theses categories include:
Remittance Service Provider
Charities & Non-For Profits
Intermediaries
Pay Day Lenders
Internet Gambling
Casinos
Goods Dealers
Foreign Exchange Currencies
Securities & Derivatives
Managed Investment Schemes
International Business Operations
International Students or Travel Products
Hiring and Leasing
Banking and Finical 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

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 info@sniip.com.

Sniip does have the ability to process Amex and Diners. However currently, it depends on whether the biller accepts Amex or Diners as a form of payment. Once a bill has been added, all accepted payment methods will be displayed.

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.

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.

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

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.

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!

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.

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

Security

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.

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.

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

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.

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

Payments

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

Not currently, but we are always working to bring new features to the app and it’s users.

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

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.

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.

Customer ‏‏‎ ‏‏‎ ‏‏‎ Experience

We currently support most devices running:

  • iOS 10 or later
  • Android 6.0 or later

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

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.

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.

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

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’.

You can shared 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.

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

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!

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.

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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