Sniip® is a free mobile based payment solution providing customers with a simple, secure and organised way to receive, view and pay their bills. Customers can either scan a Sniip® payment code from their paper bill or move to paperless billing by electing to receive their bills directly into the Sniip® App via push notifications, reducing printing and postage overheads. Payment is fast and secure via a 4-digit PIN or biometrics, and is more secure than carrying a physical wallet. Sniip® also offers the ability to set calendar reminders and adjust the payment amount.