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 funded via ACH/bank transfer, we offer a reduced flat fee of just $2.95, no matter the amount.
$2.95
Example:
Whether you're paying one or ten bills, when funded through ACH:
Total fee = $2.95
Service fee:
$2.95
Plus: 4%
Example:
If you send $75 to help cover a bill:
First $25 = $2.95 flat
The remaining $50 = 4% fee ($2.00)
Total service fee = $5.95
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?
Every payment is sent directly to the biller. Funds are not sent to individuals.
BillNip ensures payments are applied to bills, creating a clear and trackable record for both sides.
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.