How the BillNip Fee Works?
When you send a BillNip, you choose how to fund the payment. Fees vary based on your payment method and are shown before you send.
When using ACH or card, you can choose to cover the fee or have it deducted from the amount sent.
When a BillNip is sent or a BillNip Wallet is funded through ACH, the service fee is only $2.95, regardless of the amount.
Example:
If you send a $1,000 BillNip to help cover one or more bills:
Total service fee = $2.95
Save $40 by paying through ACH.
When a BillNip is sent or a BillNip Wallet is funded by card, the service fee is $2.95 plus 4% of the amount.
Example:
If you send a $1,000 BillNip to help cover one or more bills:
Total service fee = $42.95
Card gives you more ways to pay bills.
BillNip Calculator
| Payment Method | You send | Fee | Applied to a bill |
|---|---|---|---|
| ACH (You cover fee) |
$
|
$2.95 | $75.00 |
| ACH (Fee deducted) |
$
|
$2.95 | $72.05 |
| Card (You cover fee) |
$
|
$5.95 | $75.00 |
| Card (Fee deducted) |
$
|
$5.95 | $69.05 |
Where the money goes
Payment Safeguards:
- BillNip payments are sent directly to the biller
- Funds are never sent directly to an individual
- BillNip Cash can only be used to pay bills
- Funds cannot be withdrawn to a personal bank account
Why we charge a fee
Fees support:
- Payment processing
- Banking and regulatory infrastructure
- Verification and fraud prevention
- Platform development and support
BillNip is not a charity - we're a mission-driven platform built to make financial assistance direct, safe, and efficient.
Transparent
pricing
Fees are always shown before you send a payment. You can choose how to fund each transaction.
Fees are always shown before you send a payment. You can choose how to fund each transaction.