PayTo Plus+ is Sniip's smarter way to pay your bills straight from your bank account, with the added bonus of earning full reward points along the way. Traditional PayTo lets you authorise real-time payments from your bank, replacing clunky direct debits with more control and visibility.

PayTo Plus+ takes it a step further. It combines the security and simplicity of bank-to-bank payments with Sniip's signature points-earning power, so you can pay eligible bills (BPAY or non-BPAY) using your preferred payment method and unlock full reward points on every transaction, even on bills that don't usually accept credit cards.

PayTo is Australia's modern account-to-account payment system, run by Australian Payments Plus (AP+) on the New Payments Platform (NPP). It lets you authorise payments directly from your bank account in real time, with far more control and transparency than traditional direct debit.

Sniip uses the PayTo platform to power PayTo Plus+, so your bill payments earn you reward points and are fast, secure, and authorised straight from your own banking app.

There are three big ones.

First, a strong base earn of 1 point per $1 with no cap on bills paid through Sniip.

Second, the ability to stack Points Booster bonuses on top, taking you up to 4 points per $1 with the Platinum tier.

Third, full control: every PayTo agreement is authorised, paused, or cancelled directly inside your banking app, so you always know where your money is going.

Yes. When you set up PayTo Plus+ in the Sniip app, you can link your bank account using either your PayID or your BSB and account number. Both options are supported across all participating Australian banks, and your banking app handles the secure authorisation of your PayTo agreement.

PayTo Plus+ works with most major Australian banks that have rolled out PayTo on the New Payments Platform, including ANZ, CommBank, NAB, Westpac, ING, Macquarie, Bendigo Bank, and many others. If your bank supports PayTo, you can set up PayTo Plus+ inside the Sniip app in under 5 minutes and start earning points.

You can use PayTo Plus+ to pay any eligible Australian bill on Sniip, including BPAY bills and payments to a biller's BSB and account number. That covers ATO payments, council rates, rent, electricity, gas, water, internet, school fees, insurance, childcare, and most everyday Australian billers. Restricted industries apply. For more information see our Terms and Conditions.

Set up PayTo Plus+ in the Sniip app, link your bank account, and authorise the PayTo agreement inside your banking app. Once it's active, every eligible bill you pay earns you 1 point per $1 base. If you have a Points Booster tier active, you'll earn bonus points on top, up to a total of 4 points per $1 with Platinum. Points are credited to your loyalty of choice once your payment is processed.

PayTo Plus+ is designed to do exactly that. By turning routine bill payments into points-earning transactions, you can accumulate loyalty points fast on spending you can't avoid. Stack your Points Booster tier on top of the 1 point per $1 base earn, break the points cap and redeem your points for flights, gift cards, or statement credits, and effectively offset the cost of your everyday bills through rewards.

Yes. PayTo is built on the New Payments Platform, Australia's national real-time payments infrastructure, and every payment is authorised in real time through your own banking app. You can pause, amend, or cancel your PayTo agreement at any time directly in your banking app. Sniip also holds PCI DSS Tier 1 certification, the highest level of payment security in the industry.

Setup takes less than 5 minutes. You'll enter your PayID or BSB and account number in the Sniip app, then open your banking app to authorise the PayTo agreement. You have 10 minutes to complete the authorisation once initiated, so it's worth having your banking app open and ready before you begin.

Points Booster is a new Sniip feature that lets you earn more loyalty points when paying bills with a credit card. Pay with your card on Sniip as normal and you continue to earn your card's regular reward points. Activate Points Booster at the point of payment and Sniip credits 0.5 to 3 points per $1 directly into your Qantas Frequent Flyer or Virgin Australia Business Flyer account, with no monthly cap. The tier you choose determines the rate.

When you pay bills with a credit card on Sniip, base earn is subject to a 2,000 point monthly cap on Qantas Frequent Flyer points. Activate any Points Booster tier (Bronze, Silver, Gold, or Platinum) and that cap disappears. You earn great points on every single eligible payment, no matter how much you put through Sniip in a given month.

There are four Points Booster tiers, each with its own earn rate when paying with a credit card:

• Bronze: 0.5 points per $1 spent
• Silver: 1 point per $1 spent
• Gold: 2 points per $1 spent (our most popular tier)
• Platinum: 3 points per $1 spent

You choose your tier at the point of payment, on a bill-by-bill basis.

Yes. Points Booster works alongside your card's existing rewards program. You'll keep earning whatever your card normally earns (Qantas Frequent Flyer, Velocity, Amex Membership Rewards, ANZ Rewards, NAB Rewards, CommBank Awards, and so on), and Booster credits points straight into your Qantas Frequent Flyer or Virgin Australia Business Flyer account at the same time. Basically, you'll be double dipping points on everyday bills.

Sniip accepts personal and business Visa, Mastercard, and American Express cards issued by major Australian banks, including ANZ, CommBank, NAB, Westpac, Amex, Citi, Bankwest, and many others. Any eligible credit card you use to pay bills on Sniip can earn Points Booster points when your tier is active for that payment.

You can pay almost any Australian bill with a credit card on Sniip, including BPAY bills and payments to a biller's BSB and account number. That covers utilities (electricity, gas, water, internet), council rates, ATO payments, school and childcare fees, insurance premiums, rent, vet bills, and medical bills. Restricted industries apply. For more information see our Terms and Conditions.

Yes. Whether your electricity, gas, water, internet, or phone provider accepts credit cards directly or not, Sniip lets you pay them with your credit card and still earn rewards. With Points Booster on, those payments also earn points at your tier's rate, with no monthly cap.

The best card depends on your rewards goal. For Qantas Frequent Flyer points, look at Qantas-earning cards from ANZ, CommBank, NAB, or Amex. For Velocity points, Virgin Money or Amex. For flexibility, an Amex Membership Rewards or ANZ Rewards card lets you transfer points to several loyalty programs. Whichever card you choose, Points Booster works alongside it, so it's the combined earn that matters most.

Use the Points Calculator on the Points Booster landing page. Enter your bill amount, choose your payment method (Credit Card or PayTo Plus+), pick your loyalty program (Qantas Frequent Flyer or Virgin Australia Business Flyer), and select your Booster tier. Sniip will show you the exact points earn for that payment, with no cap when Booster is active.

Sniip's standard credit card processing fees still apply, and these vary by card type and biller category. Each Booster activation also has a small per-payment fee that varies by tier, shown clearly in the app before you confirm the payment. Points are not earned on processing fees. See more about processing fees here.

Points Booster is a new Sniip feature that lets you earn more loyalty points on every eligible bill you pay through Sniip. It's an optional upgrade applied at the point of payment, with a small per-payment fee that depends on the tier you choose. Whether you pay with a credit card or via PayTo Plus+, Points Booster lets you boost your earn directly into your Qantas Frequent Flyer or Virgin Australia Business Flyer account.

Points Booster is built into the Sniip app, you just switch it on at payment. Add your bill, choose your payment method (Credit Card or PayTo Plus+), select a Booster tier (Bronze, Silver, Gold, or Platinum), and confirm. Your boosted points are credited to your default loyalty program once the payment is processed.

There are four tiers to choose from on a bill-by-bill basis: Bronze, Silver, Gold (our most popular), and Platinum. Each tier has its own earn rate, with the rate differing slightly between Credit Card and PayTo Plus+ payments.

No. Points Booster is not a subscription, plan, or recurring product. It's a per-payment upgrade applied bill by bill, with a small fee charged only on the individual payments you choose to boost. You can pick a different tier (or skip Booster entirely) for every payment, completely flexibly.

Not at all. Points Booster is completely optional and applied bill by bill. You can boost some payments and not others, choose different tiers depending on the bill amount, or skip Booster entirely for any payment. The choice is yours each time.

Points are credited to your default loyalty program, set once inside the Sniip app. You can choose between Qantas Frequent Flyer or Virgin Australia Business Flyer. Every boosted payment earns points directly into the program you've selected.

Each Booster activation has a small per-payment fee that depends on the tier you choose (Bronze, Silver, Gold, or Platinum) and the bill amount. The fee is shown clearly in the Sniip app before you confirm the payment, so you always know exactly what you're paying and what you'll earn.

Yes. The Sniip app shows you the projected points earn for each Booster tier in real time, based on your bill amount and payment method. You can also use the Points Calculator on the Points Booster landing page to model different bill amounts, payment methods, loyalty programs, and tiers before you start.

No. Points are calculated on the bill amount only. Sniip's standard processing fees and Points Booster fees do not earn points.

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.

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.

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.

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.

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.

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.

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.

You can reach the Sniip Support Squad by emailing [email protected] or calling (07) 3268 7710.