As a requirement from American Express, we must process all ATO payments using any Amex at our business tiers. This includes Amex Personal, Business and Corporate cards.
With the new rates, Sniip still presents a better cost per point than paying the ATO directly!
You can learn more about the reason for the change here.
If you’re not a business, you can’t claim the GST component. You can claim the GST component only if you’re personally registered for GST and you have your own ABN. If you are a business, you need to be registered for GST to claim it back.
On some occasions, we may require you to upload a copy of your bank card.
Why is it necessary?
Card verification is an important part of our anti-fraud card security measures. It is our only method of ensuring that you are in possession of the card used to make payments within the Sniip app.
Therefore, if your account has been flagged within our systems, we might request you to upload a picture of your card which shows:
We will never ask you to provide your full card number, or CVV number.
How to submit?
You submit your payment method verification securely through the Sniip app. You will receive an in-app notification that appears when our team has requested that you verify your payment method. Simply tap on the pop-up message and you will be taken to the Verification screen. From here, simply follow the prompts to submit your payment method verification.
Great question! When signing up to Sniip, you do not have to verify your account. There a flags in our systems that will automatically request User Verification. This includes:
To verify your account, simply tap on the in-app prompt that appears when we have requested that you verify your account. Or, you can verify your account by tapping on the menu in the top left corner and selecting ‘Account’, ‘Verify Account’.
For User Verification, we require a copy of your valid government issued photo identification document (e.g. Australian Driver Licence or Passport) which clearly shows your:
At Sniip, we’re proud to have achieved full Tier 1 PCI DSS compliance — the same standard that Australian banks comply with. We have never had a security breach in our 8+ years of operations and have quarterly vulnerability scans to try and penetrate our systems.
Unfortunately, as determined by our bank partners, we are restricted from allowing payments to certain billers. Due to the risk profile, American Express has restricted payments to FOREX PTY LTD as it falls under a Foreign Exchange industry.
Some other restricted industries include:
“When the Sniip app asks for the ‘due date’, does that mean the actual due date of the bill or when I want it paid by?“
The due date refers to the due date of the bill 😊.
When you add a bill into the Sniip app, you may schedule a payment for the due date. BPAY payments need to be made three days prior to the due date to ensure that the biller will receive and reconcile the payment. This is set-up as a default to ensure your bill is paid on time (but can be amended by you).
Unfortunately, as determined by our bank partners, we are restricted from allowing payments to certain billers. Due to the risk profile, American Express has restricted payments to certain industries, including:
Our team is currently working hard on this feature. Launching Q3 2023!
This breaks our heart but, unfortunately, as DEFT payments don’t allow us to see who the final bill provider is, they are not currently approved by Amex.
You are still able to use a Visa or Mastercard for DEFT payments. We promise we’ll let you know if DEFT becomes available for Amex cards again.
When you add a credit card to the Sniip app, we process a $1 charge to authorise your card. Rest assured this amount is refunded in full to your card within 48 hours.
