When you pay via the BPAY Biller Code and Reference Number using Sniip before our cut-off times, funds are acquired by Sniip the following business day. The same day Sniip receives the funds, they are transmitted to the service provider via the BPAY network. Please note, funds may take up to 24 hours to land in the billers account, so we always suggest paying your bill 2-3 business days before the due date.
The process is simple: Sniip receives the payment for the bill from a user and once these funds have cleared, Sniip processes that payment on your behalf via BPAY.
Sniip is an authorised BPAY Payer Institution Members (PIM) member. You can read about our partnership with BPAY on their wesbite, here.
How you earn uncapped credit card points:
We process your transaction as a two-legged transaction. When you use a rewards credit card, you will earn points on the first leg of the transaction (payment into trust account) even if your payment method isn’t accepted directly, and even if you’d earn reduced points/ no points if you pay the biller directly (for example government billers). Sniip will make payments via BPAY on the second leg of the transaction and this utilises the BPAY Scheme. This process allows you to earn full points on all of your bills which is a big reason why our users love Sniip so much.
If you scan the Sniip QR code (offered on some Queensland council and utilities bills), payments are processed directly to the service provider. Please note, these payments will not earn credit card reward points.