Payment Logic Personal 4+

The Smarter Way To Pay

Payment Logic

Designed for iPad

    • 3.4 • 12 Ratings
    • Free



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).

What’s New

Version 2.4.0

What’s new in Version 2.4.0:

JCB Card Acceptance: We are pleased to announce that our app now supports payments made with JCB (Japan Credit Bureau) cards. This enhancement expands the range of payment options available to our users, making transactions even more convenient.

Minor Improvements: We've made general improvements to enhance the overall user experience.

Ratings and Reviews

3.4 out of 5
12 Ratings

12 Ratings

plowie06 ,

Great value payment option for Amex cards

A very simple and great value App for using my Amex card to pay my household payment👍


Worlds longest sign up process

After providing ridiculous amounts of personal data the app asks you to take a picture of your face with your credit card and then just hangs. Total waste of time.

Developer Response ,

Hi Kimp,

Thankyou for your feedback.

We ensure that our platform is as secure as possible by adhering to AML (Anti-Money Laundering) and KYC (Know Your Client) regulations and therefore our stringent onboarding process is required for verification purposes as a one off while creating your account.

We have also passed on your feedback to our development team.

Should you require any further assistance please reach out to our customer service team on 1300 756 442.

Kind Regards,
The Team at Payment Logic Personal

Angry Zane ,

Great concept, app doesn’t work

Trying to add a picture of card as required by set up process. App just gets to the photo stage, activates camera and hangs. So I can’t add a card to use

Developer Response ,

Hi there,

Thank you for your feedback and we're sorry to hear about the issue that you have encountered.

We would love to be able to help you out with this. Please reach out to our customer service team on 1300 756 442 or email us at and a member of our team will be able to assist you.

Kind Regards,
The Team at Payment Logic Personal

App Privacy

The developer, Payment Logic, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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