---
title: "Payment Logic Personal - Reviews, Revenue and Downloads in Australia | Apple App Store"
description: "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 ca"
---

# Payment Logic Personal — Australia
> The Smarter Way To Pay

![Payment Logic Personal App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/30/6c/c2/306cc2d4-9ed2-51e1-b6c4-6fb5cfc6ea57/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/434x0w.png)

**Developer:** [Payment Logic Pty](https://apptail.io/developer/payment-logic-pty-Iymb) (Australia)
**Category:** Finance
**Rating:** 2.5/5 (19 ratings)
**Price:** Free
**Bundle ID:** com.pl-consumer.app
**Store:** Apple App Store
**Country:** Australia
**Version:** 2.14.0 (released 2026-03-03)
**Original Release:** 2022-10-11
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/au/app/app/id1644481974)
**AppTail Page:** [https://apptail.io/app/payment-logic-personal-fFzg/australia](https://apptail.io/app/payment-logic-personal-fFzg/australia)

## Payment Logic Personal Description
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).

## Payment Logic Personal Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/fd/33/48/fd334898-855d-3d0b-7c0b-08a0e0e28c69/7d5d253e-1737-4437-afdf-d6fed138220a_Appstore1.png/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a7/5f/c8/a75fc840-9c16-eb79-8762-39d84a8e61a2/281f4d1b-777b-4706-8a3c-cddd63fdd0d7_Appstore2.png/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8d/63/a8/8d63a833-d7e1-52e0-ee90-7265e0032b2e/bb1508cd-7ac8-425f-b62f-5bfb595de786_Appstore3.png/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/aa/16/8b/aa168b62-bc38-7c71-91f4-1a9a098d52ba/c542e99c-01af-4cb7-b0bd-97fcb98a9aa9_Appstore4.png/1242x2688.png)

## Payment Logic Personal Rating Breakdown in Australia
- 5 stars: 7 (37%)
- 4 stars: 0 (0%)
- 3 stars: 0 (0%)
- 2 stars: 1 (5%)
- 1 stars: 11 (58%)

## Payment Logic Personal Reviews in Australia

### *---- "Faulty App"
I experienced what many other reviewers have – I kept submitting my identity information and it went nowhere, constantly returning to the page asking me to submit my identity information. There’s clearly something faulty with the app which still hasn’t been fixed, despite multiple reviewers giving this feedback. I’m also very concerned about my identity information, having submitted my ID details twice – I want this to be wiped now that I won’t be using this app. Until the issue is fixed, avoid this app.
-- Jogaz7, 2026-02-07

### *---- "Useless"
Went through the verification process just to be stuck in a loop.  I’m no concerned who I’ve sent a copy of my passport to given the site doesn’t work.  Wish I had read the reviews before attempting to sign up.  Amazed a business like this would have such a flawed sign up process.
-- earlbking, 2024-06-25

### *---- "Gave up"
After taking a photo of my license (back and front) for the 4th time, because it couldn’t verify it, it asked for my passport details, sorry got frustrated and removed it. Not saying this doesn’t work, I didn’t get that far to check.
-- Jado72, 2024-06-09

### *---- "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
-- Angry Zane, 2023-03-04

### *---- "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.
-- KIMP SYD, 2023-02-15

### ***** "Great value payment option for Amex cards"
A very simple and great value App for using my Amex card to pay my household payment👍
-- plowie06, 2022-10-13

[View all Payment Logic Personal reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)



## Payment Logic Personal Discovered Keywords
- american express
- amex app for iphone
- personality express

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---

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