Payment Logic Personal

Experience the smarter way to pay with Payment Logic Personal - the app trusted by thousands of Australians to pay personal and household bills while earning full points from their American Express card. At the low rate of just 1.25%, you can pay thousands of BPAY billers that don't directly accept American Express cards!

Since 2013, we've been the preferred bill-payment service provider, processing over 900,000 transactions, totalling $6,000,000,000 in American Express payments!

Payment Logic Personal empowers you to earn FULL POINTS on all* your personal and household bills that offer a BPAY Biller Code. Say goodbye to missed rewards on bills like school and childcare fees, car registration, insurance, council rates, rent, utility bills, land tax, medical and hospital bills.

How it Works:

In less than 30 seconds, you can process a bill with Payment Logic Personal.

Here's how it works:

1.) Login to the Payment Logic Personal app. 2.) Add your American Express Cards. 3.) Enter the BPAY Biller details. 4.) Specify the amount you want to pay. 5.) Select the American Express card you wish to pay with. 6.) Authorise your payment.

It's that simple! As a Bill Payment Service Provider, you pay Payment Logic, and we pay the biller on your behalf, even if they don't accept American Express directly. The biller receives the funds just like a regular BPAY payment.

Processing Fees:

All payments made with a personal American Express are charged at the low rate of 1.25% (incl. GST).

There are no account management or hidden fees. You only pay a small processing fee on payments successfully processed.

Don't miss out on any more points. Download Payment Logic Personal today and discover a smarter way to pay your bills.

*Please note that while Payment Logic Personal enables you to process the majority of your personal payments, there are a few exceptions due to prohibited industries (e.g., Financing) or prohibited payment types (e.g., ATO, DEFT).