Turn your bill payments into rewards with PayTo Plus+
Earn 1 Qantas Frequent Flyer or Velocity point per $1 you pay using Sniip — uncapped — on every bill, from just 1.98% per transaction.
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WHY PAYTO PLUS+?
BREAK THE CAP.
EARN ALL THE POINTS.
Why leave points on the table? Bank Transfer is free, but PayTo Plus+ earns you 1 point per dollar on every bill, uncapped, with next business day settlement. A small per-payment fee unlocks the lot.
WHAT IS PAYTO PLUS+?
Pay with PayTo. Earn on every transaction.
Turn your bill payments into rewards. Pay with PayTo and earn points on every transaction.
PayTo Plus+ is Sniip’s new point hack payment method. Set up a PayTo agreement once — directly with your bank — and every bill you pay through Sniip earns 1 Qantas Frequent Flyer or Velocity point per dollar, no monthly cap, from just 1.98% per transaction.
Payments are authorised in real time by your bank. No card details. No delays. Just a smarter way to pay rent, rates, school fees, insurance, and everything else.
KNOW THE PERKS
Three reasons it's the smarter way to pay.
BEFORE YOU MAKE YOUR FIRST PAYMENT
Link your Loyalty account.
Points credit directly to the loyalty account you’ve set as your default in the Sniip app. You’ll need to connect your Qantas Frequent Flyer or Virgin Australia Business Flyer account before you transact through Sniip to earn the points.
TWO WAYS TO CONNECT TO PAYTO PLUS+
Connect with BSB & Account Number or PayID.
Both paths set up a PayTo agreement directly with your bank. Pick whichever works for you.
Faster setup with a PayID.
If your bank account is already linked to a PayID, just choose your type and enter it — Sniip validates with your bank in real time.
BSB and account number.
No PayID? No problem. Enter your account name, BSB, and account number — Sniip detects your bank automatically and shows an error if the BSB isn't found.
Pay your bill with PayTo Plus+
STEP BY STEP
From the Sniip app, you’re a few taps away from earning on every bill.
Make a payment with PayTo Plus+
- Add your bill tapping the blue '+' button at the top roght of your Sniip dashboard.
- Once your bill has been uploaded, tap ' Pay'.
- Select PayTo PLus+ as your payment method.
- Follow the prompts for the payment process.
- You will now have 10 minutes to authorise the transaction in your bank account app.
- Go back to the Sniip app and follow the prompts to finalise the payment.
- Great! you have now paid your first bill with PayTo Plus+ and earned your reward points!
WANT EVEN MORE POINTS ON TOP?
Introducing Points Booster 
Earn up to 4x points per $1.
Rack up to 4 points per $1 on any bill, uncapped each month. Goes straight to your Qantas Frequent Flyer or Virgin Australia Business Flyer account.
How Australia's real-time payment platform works, and how to earn points on your bills with PayTo Plus+.
The basics, explained.
What is PayTo?
PayTo is a faster, smarter way to pay directly from your bank account in Australia. Launched on the New Payments Platform (NPP), it lets you authorise payments in real time through your banking app, replacing older systems like direct debit with something safer and easier to manage.
How does PayTo work?
When you pay with PayTo, your bank shows you the payment agreement inside your banking app and asks you to approve it. Once authorised, payments happen in real time straight from your account. You can pause, amend, or cancel any agreement at any time.
Is PayTo safe?
Yes. PayTo runs on Australia's New Payments Platform and every agreement is authorised directly by your bank. Your account details are never shared with the biller, so you stay fully in control of who can take payments and when.
Is PayTo free?
PayTo itself is a payment rail, so cost depends on who you're paying with. On Sniip, paying your bills with PayTo Plus+ comes with a small per-payment fee of 1.98% per transaction, letting you earn 1 Qantas Frequent Flyer point or Velocity point per $1 transacted.
What is a PayTo agreement?
A PayTo agreement is a pre-authorised arrangement between you and a biller that you approve inside your banking app. Once it's set up, future payments go through in real time without you needing to re-enter your bank details each time.
What's the difference between PayTo and PayID?
PayID is a way to link your bank account to something easier to remember, like a mobile number or email. PayTo is a payment method that uses your account details (or your PayID) to set up an agreement for ongoing or one-off payments. On Sniip, you can connect to PayTo Plus+ using either your BSB and account number or your PayID.
Earn points on every bill.
How do I use PayTo to pay my bills with Sniip?
In the Sniip app, tap the blue '+' button on your dashboard to add your bill, then tap 'Pay' and select PayTo Plus+ as your payment method. You'll have 10 minutes to authorise the payment in your banking app, then jump back to Sniip to finalise. Done.
How do I set up PayTo Plus+?
Setup only takes a few minutes. In the Sniip app, head to your payment methods, choose PayTo Plus+, and connect using either your BSB and account number or your PayID. Sniip detects your bank automatically and you'll approve the agreement directly inside your banking app.
How many points do I earn when I pay my bills with PayTo Plus+?
You earn 1 Qantas Frequent Flyer or Velocity point per $1 on every bill, uncapped. Points credit directly to the loyalty account you've set as your default in the Sniip app.
Are there fees to pay my bills with PayTo Plus+?
There's a small per-payment fee from just 1.98% per transaction. Points are not earned on the processing fee itself.
What's the minimum and maximum I can pay with PayTo Plus+?
You can set your transaction limit anywhere between $1,000 and $25,000 per payment.
Which banks support PayTo?
Most major Australian banks support PayTo, including the big four and many smaller institutions. Your bank will confirm in-app whether PayTo is available on your account.
What happens if my PayTo Plus+ payment fails?
If a payment can't be processed (for example, due to insufficient funds), you'll be notified in the Sniip app and via email. You can retry the payment or switch to a different method.
How do I cancel or change a PayTo agreement?
You can pause, amend, or cancel your PayTo agreement at any time directly in your banking app. Any changes take effect immediately.
The easy way to pay.
What is Sniip?
Sniip is Australia's bill payment app that turns routine bill payments into points-earning opportunities. Pay any BPAY or non-BPAY bill with the payment method of your choice, earn loyalty points on every eligible payment, and manage all your bills in one place. Sniip is the easy way to pay.
Is Sniip safe and secure?
Yes. Your payment security is our top priority. All payment data entered into the Sniip app or transmitted as part of a transaction is managed with the highest level of security. Sniip is fully Tier 1 Payment Card Industry Data Security Standard (PCI DSS) compliant, the same standard that Australian banks meet. To learn more about how we manage compliance and security, contact the Sniip Support Squad at [email protected] or call (07) 3268 7710.
Is Sniip PCI compliant?
Yes. Sniip is certified Tier 1 Payment Card Industry Data Security Standard (PCI DSS) compliant. This is the same standard that an Australian bank must comply with.
What are the benefits of Sniip?
With Sniip, you can:
- Earn loyalty points like Qantas Frequent Flyer or Virgin Australia Business Flyer points on every eligible payment
- Pay any BPAY or non-BPAY bill (including payments to a biller's BSB and account number) with ease
- Use your payment method of choice, even if your biller doesn't accept it directly
- Store, manage, import, and schedule bills in one place
- Create recurring payments for bills like rent
- Enjoy fast, secure payments without re-entering your card details
- Pay with no monthly fees (Points Booster is an optional per-payment upgrade)
Terms and Conditions apply.
Which bills can I pay with Sniip?
You can pay almost any BPAY and non-BPAY bill in the Australian market with Sniip. This includes ATO payments, council rates, rent, utilities (electricity, gas, water, internet), school and childcare fees, insurance premiums, vet bills, medical bills, and supplier invoices. Restricted industries apply. For more information see our Terms and Conditions.
Are there monthly fees to use Sniip?
No. Sniip itself has no monthly fees. You only pay Sniip's standard processing fees on each payment, which vary by payment method and biller category.
How do I sign up for Sniip?
Download the Sniip app from the Apple App Store or the Google Play Store. Once downloaded, tap "Sign up" and create an account using your Apple or Google account, or your email. Once your account is set up, head to the Loyalty section to connect your Qantas Frequent Flyer or Virgin Australia Business Flyer number, and you're ready to start earning points on bills.
How do I contact Sniip support?
You can reach the Sniip Support Squad by emailing [email protected] or calling (07) 3268 7710.
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Start earning rewards on every bill.
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