Archives: FAQs

Sniip is a payment platform that you can use to pay most BPAY bills. Sniip is bank and card agnostic, meaning you can pay with whichever card or bank you like, for whichever bill you like – even if your biller doesn’t accept that payment method*.

If you have a points earning credit card, you’ll earn full points on your payments through Sniip – it comes down to the way we process the transaction.

How we process your transaction to allow you to earn full 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 the Sniip 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.

Using Sniip’s scan-to-pay feature, you can turn your paper/ PDF bills into digital bills within the Sniip app and pay them directly from your mobile phone. 

Once registered, simply scan the BPAY Biller Code/Sniip QR code and confirm your payment using Touch ID/Face ID or a 4-digit PIN. 

Sniip makes paying bills quick, easy and convenient! Learn more, here. 

*Restricted/ prohibited industries apply.

Sniip is an app available on the Apple App Store and Google Play Store. 

When paying with Sniip, you can use your digital wallets (Apple Pay/ Google Pay) or you can use a bank account, debit, credit, Amex or Diners card. 

To do this, tap the menu in the top left corner and select ‘Payment Methods’. Tap the ‘+’ icon in the top right-hand corner of the screen, and select whether you want to add a debit/credit card or a bank account. Follow the prompts and fill out all the necessary fields. 

When making a bill payment Apple Pay/Google Pay is the primary payment method. 

To change to a card in your Sniip Wallet, swipe on the Apple Pay logo to select your preferred payment method.

Everyone! Sniip is for anyone who wants to save time by managing and paying their bills electronically. 

Yes! Sniip is free to download from the app store. We have no subscription fees or hidden fees!

If making a payment using the BPAY Biller Code and Reference Number, paying from a bank account is completely free! Other payment methods incur a small processing fee. To see all our processing fees for different payment methods, click here. Your payment processing amount will always be displayed to you before making a transaction through Sniip.

If you’re making a payment using the circular Sniip QR code, the surcharge (if any) is determined by the biller. These will be displayed to you prior to processing any payment. Please note, scanning the Sniip QR code to pay your bill will not allow you to earn credit card points, and certain payment methods are also blocked by this action.

Sniip is supported on devices running: 

• iOS 12 or later
• Android 8.0 or later

To ensure the best experience using Sniip, we recommend updating your app to the latest version. To update your app, simply navigate to the app store, search ‘Sniip’, then select ‘Update’. 

Please note, the Sniip app does not support Beta versions of mobile operating systems. 

Great question! Currently, Sniip is only available as an app. 

We hear you though! Our team is working to develop a web portal which will be available in the future.

In the meantime, you can download Sniip on your mobile device via the Apple App and Google Play stores. 

Great question! Absolutely. This is a common question asked when users mention they would rather make payments on a computer or laptop.

Sniip is secure to use. We encrypt and safely store all data and monitor all transactions through our compliance department. 

Credit/debit card or bank account information is only sent to verified third parties at the time of payment. Once you make a payment, we require you to verify your identity with your PIN or ID login.

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.

Sniip is trusted Payer Institution Member (PIM) of BPAY. 

Sniip is an unlisted public company, founded in 2014. 

The company co-founder and CEO is Damien Vasta. 

The interests of the company are governed by a Board of Directors.