Payment Logic Personal is a phone only app that enables you to pay your personal and household bills in seconds, using your American Express Card to earn full rewards points at the low rate of 1.25% incl. GST.

Utilising our app enables you to optimise your cash flow, payment efficiencies and rewards earned on your personal and household expenses.

The value of the points accrued is far greater than the fees charged, especially when redeemed for travel. In fact, many of our clients utilise our app to accrue enough points to completely offset their travel expenses.

In addition to earning the full points from your American Express Card’s reward program for every payment processed, you are able to leverage up to 55 days of interest free cash flow by paying thousands of BPAY Billers with your American Express Card.

The fees are charged per individual transaction and there are no ongoing subscription, account management or hidden fees. You simply pay a percentage of your transaction as a fee when processing.

There are no subscription, account management or hidden fees. You only pay a small processing fee on each payment.

Payments made using your American Express card on Payment Logic Personal are charged at 1.25% incl. GST.

Any Australian issued personal American Express Card can be utilised on the app.

Yes - you will always earn the full reward points associated with your American Express Card’s reward program.

We have undertaken the highest level of PCI Compliance. This includes having an Annual Report on Compliance (RoC) completed by a Qualified Security Assessor (QSA), performing monthly network scans through an Approved Scan Vendor (ASV), and an annual Attestation of Compliance (AoC) form also completed by our QSA.

As part of this ongoing compliance program, our Qualified Security Assessor (QSA) conducts two external penetration tests (you can think of these like "ethical hacks'') on our platform each year. In addition, our software development process and change management systems include security planning as a fundamental part of our application development and maintenance lifecycle.

Here is a summary of some of our key security achievements:

• We have not experienced any security or data breaches on our platforms to date.
• We have achieved 100% uptime since our launch in 2013.
• We use only industry best practices for card data security (all cards are tokenised - which means we don't store the full card number in our database).

Payment Logic Personal is available to anyone located in Australia.

Accounts can be set up and ready to go within 5 minutes of downloading the app provided that the required user verification has been completed.

Payment processing timelines are dependent on the time that the payments are processed.

To make certain that your payments are received on time, ensure that you have processed your payments at least 2 business days (before 6pm AEST) prior to the due date.

Provided that your payments are processed by 6pm AEST on any given business day, the payments will be pushed out the following business day at 3pm and received that evening.

To make certain that your payments are received on time, ensure that you have processed your payments at least 2 business days (before 6pm AEST) prior to the due date.

No, there is no limit to the amount of points you can earn through Payment Logic Personal.

Payment Logic Personal enables you to pay your personal and household bills with any Australian issued personal American Express Card. Bills that you can pay via our app include but aren’t restricted to:

• Water
• Rent
• Phone and Internet
• Energy
• Health insurance
• Real estate fees
• Child care and school fees
• Medical/Hospital

We enable you to process the majority of your personal and household expenses. However, when using a personal American Express Card there are a few exceptions which are classified as prohibited industries or prohibited payment types (e.g. the ATO or DEFT).

Getting started with Payment Logic Personal is easy.

1. To begin, download the app by clicking on the relevant link below:
   • IOS
   • Android
2. Login to the Payment Logic Personal app and register your details as prompted.
3. Add your American Express Cards.
4. Enter the BPAY Biller details.
5. Specify the amount you want to pay.
6. Select the American Express card you wish to pay with.
7. Authorize your payment.

To add a card to Payment Logic Personal, simply follow the steps as listed below.

1. Login to the Payment Logic Personal app.
2. Select Cards on the Home Dashboard.
3. Select the plus button located in the top right hand corner of your screen.
4. Proceed to enter in the details of your card as prompted.
5. Once the details have been entered, press Save.

To make a payment with Payment Logic Personal, simply follow the steps as listed below.

1. Login to the Payment Logic Personal app.
2. Select Pay Bill on the Home Dashboard.
3. Proceed to enter in the details of your bill as prompted.
4. Once the details have been entered, press Confirm.