Simple, transparent pricing. No surprises.
The only thing you pay is a processing fee, charged once, on the payment itself.
Personal pricing
For everyday bills paid on a personal card.
American Express (personal) *
Visa Credit
WeChat
Alipay
PayTo Plus+
Qantas Pay
Crypto.com
* Personal Amex rates depend on the type of bill you’re paying — see the full Amex breakdown further down this page. All rates shown include GST.
Business pricing
Rates for business and corporate cards, across every card and payment method.
American Express Business/Corporate
Visa (credit)
WeChat Pay
Alipay
PayTo Plus+
Qantas Pay
Crypto.com
American Express business and corporate cards are charged on a tiered basis — the “from” rate is the entry point and drops as your payment volume rises. See the full Amex breakdown further down this page.
See what your business can payEverything, for one clear fee.
No monthly fees
Free to download, no account keeping fees, ever.
No surprises
You’ll always see your fee before you confirm a payment.
Full points
Earn points on bills that wouldn’t normally earn anything.
Amex pricing, explained.
American Express is the one card where your rate depends on more than the amount. Two rates, one simple rule: the card in your wallet and the biller you are paying decide whether you pay 1.29% or our business rate. Use the tool below to check yours.
What you will pay on Amex.
Choose your card type to see your rate. Switch any time, or compare both side by side.
Tiered rates from 1.99%.
Business and corporate Amex cards run on volume based tiers: the more you process per transaction, the lower your rate. Use your business Amex for more expenses to maximise points with our best in market processing fees.
American Express tiers.
Your rate is set per transaction, based on the payment amount.
| Tier, per transaction | Rate (+ GST) | Rate after tax* |
|---|---|---|
| $0 to $99,999 | 1.99% | 1.49% |
| $100,000 to $299,999 | 1.95% | 1.46% |
| $300,000 to $499,999 | 1.90% | 1.43% |
| $500,000 to $999,999 | 1.85% | 1.39% |
| Over $1,000,000 | 1.75% | 1.31% |
*Rate after tax assumes a business claiming GST credits and a 30% company tax deduction on the processing fee. Your effective rate may differ, check with your accountant.
You pay a flat 1.29%.
On bills in any of the 21 industries below. If your biller is not on the list, the business rate applies, even on a personal Amex.
Eligible personal industries.
Find your biller’s industry below. All 21 industries earn the flat 1.29% rate on a personal Amex.
Not seeing your biller above? Personal Amex on any other industry runs on the business rate. Switch to view it.
Flat rate, but only on the 21 eligible industries listed in the Personal tab.
Any other biller? You will fall back to the business rate.
Volume based tiers (+GST) apply to every payment on a Business Amex, no eligibility check needed. Higher transaction amounts unlock lower rates, down to 1.75%.
Also applies to Personal Amex if your biller is not on the eligible list.
One rule, two outcomes.
Behind the calculator, Amex pricing follows a single decision: card type first, then biller eligibility. Here is what it looks like.
You are paying with an Amex.
Personal or business, Sniip routes the payment based on the card.
Is it a Business Amex?
If yes, you go straight to the business rate. If no, we check the biller’s industry.
Your rate is set.
Personal plus eligible industry is 1.29%. Anything else is the business rate.
Get started today
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