We’re really proud of our partnership with American Express and being able to offer the best business rates in the market.  As part of our contract with American Express, we determine business versus personal based on the purpose of the payment. Please note that all payments to the ATO are charged at our business rates. If the purpose of the payment is for business, i.e, to pay a business bill/ invoice/ stock, you’ll be charged at the business rate.  If you have any questions, please email customercare@sniip.com or phone (07) 3268 7710.