Merchant Acceptance Platform

Instant payments.
Zero chargebacks. Zero holdbacks.

Accept UniCash payments at a maximum service rate of 1.0%. No rolling reserve, no holdbacks, no chargebacks, every cent paid out to your bank in full, on demand.

Download on theApp Store

Get it onGoogle Play

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See how it works Why UniPay

⚡

Instant payments

🏦

On demand AUD payouts

🛡️

Zero chargebacks

📲

NFC + QR ready

9:41 ▲ ●●●●

UniPay

GROWTH

Today's Revenue

$1,240.00

≈ 1,240.00 UNC

MTWTFSS

8 txns today

↑ +17% vs yesterday

1 terminal online

Manage ›

Quick Sale

Simple payment

New Invoice

Itemised bill

Pay

People or invoices

Analytics

Sales & reports

Recent Payments View all

Table 12: Dinner

2 min ago

$184.00

Online order #847

18 min ago

$67.50

Home

Payments

Analytics

Settings

Features

Built for businesses
that move fast.

Everything you need to accept payments, and nothing that slows you down. From a single QR code to a full counter POS system.

One rate. No hidden fees.

One simple rate on every UniCash payment you receive. It starts at 1.0% and gets cheaper as you grow, down to 0.6%. No interchange, no scheme fees, no chargebacks, no holdbacks. Payouts to your bank are always free.

⬡

QR invoice generation

Create a payment request in seconds. Display the QR code on any screen and your customer pays instantly from their UniCash app.

⚡

Instant payments

UniCash payments are instant. No waiting for authorisation, no failed transactions, and UniCash has no chargebacks. Once paid, you keep it.

🏦

On demand AUD payouts

Your balance is yours. Keep it in UniPay or request a payout to your PayID at any time, paid in full. No lock in contracts, no rolling reserve. Payouts on demand.

⊞

Real time dashboard

Track every payment, manage invoices, and monitor your balance from a clean, powerful portal, on any device, anywhere.

🛡️

Zero chargebacks. Zero holdbacks.

UniCash payments have no chargebacks, and once paid, the funds are yours. No rolling reserves, no funds held back, ever. Every cent is yours.

📲

NFC tap to pay

Customers tap their phone, iPhone or Android, to pay. UniPay Terminal has NFC built in, always ready at your counter.

📒

Books that update themselves

Connect Xero or MYOB and every UniPay payment, invoice, and payout syncs to your books automatically, in real time. No exports, no manual reconciliation.

💛

Built in tipping

Let customers add a tip at the terminal or on screen. Tips go to you in full, with no service rate.

🎟️

Run deals and rewards

Offer vouchers, discounts, and points boosts to bring customers back. You set the budget, we handle the rest.

🔗

Pay by link

Send a customer a payment link or QR code. They pay in seconds, with no card details and no account number.

Getting started

Up and running in minutes.

From signup to your first payment in minutes.

Create your account

Generate an invoice

Enter the amount in your dashboard and a QR code invoice is instantly generated. Display it on any screen or print it out.

Customer pays instantly

Your customer scans the QR code or taps via NFC with their UniCash app. Your balance updates immediately, in real time.

On demand payouts to your PayID

On demand payouts to your PayID, paid in full, whenever you're ready. Transparent, fast, no surprises.

See how it works

Zero holdbacks

No chargebacks.
No holdbacks.
Every cent, in full.

Most card payment providers quietly hold back 5–15% of every payment you receive, sometimes for up to 6 months. You've worked for it, your customer paid it, but it sits in their account, not yours. At UniPay, we never hold a single cent. The moment it's paid, it's all yours.

Card providers

UniPay

Money held back from your transactions

5–15% held for 90–180 days

Zero

Chargeback reversals

Funds clawed back, fees charged

Zero

Interchange fees

0.2–1.5% per transaction

Zero

Card scheme fees

Visa / Mastercard levy per transaction

Zero

Payout / transfer fees

$0.25–$0.75 per bank transfer

Zero

PCI compliance fees

$99–$299/year

Zero

One flat service rate on every UniCash payment you receive. Everything else is zero.

Create a UniPay account

Pricing

Simple, transparent fees.
No surprises.

One rate on every UniCash payment you receive, and it gets cheaper as you grow. No monthly fee, no lock in contract, and none of the usual extras. No interchange, no card scheme fees, no chargebacks. Payouts to your bank are always free.

Included with every account

✓Unlimited invoices

✓Instant payments

✓Real time dashboard

✓Bank payouts, always free

✓Zero chargebacks

✓No rolling reserve

✓Xero and MYOB integration

✓REST API and webhooks

1.0%

Per transaction

Up to $100,000 a month

On $10,000 a month
you pay $100.

0.8%

Per transaction

$100,000 to $250,000 a month

On $150,000 a month
you pay $1,200.

0.6%

Per transaction

Above $250,000 a month

On $400,000 a month
you pay $2,400.

✓ As you grow we move you to the lower rate automatically. Nothing to choose, nothing to apply for, and no contract to renegotiate.

Product suite

Start simple.
Scale with your business.

UniPay grows with you. Every step adds capability. Nothing gets replaced. Start with the UniPay app today and add hardware when you're ready.

UniPay

The UniPay app, your business foundation.

Accept UniCash payments, manage invoices, track revenue, and request AUD payouts, all from the UniPay app on web, iOS, or Android. Zero hardware required. Self sufficient for small merchants from day one.

QR invoice generation in seconds

Real time payment dashboard

On demand AUD bank payouts

Xero & MYOB integration for automatic reconciliation

UniPay Terminal

Built for the counter: NFC, QR, and a thermal printer, all in one.

The UniPay Terminal is a purpose built payment terminal that ships ready to use. Plug it in, enter a pairing code, and you're taking payments in under 60 seconds. NFC tap to pay and QR scan, always on, always ready.

NFC tap to pay + QR invoice scan

58mm thermal receipt printer built in

Staff PINs with individual transaction attribution

4G + WiFi, works anywhere

Kiosk locked, professional, no distractions

UniPay Terminal + POS Software

Turn your UniPay Terminal into a full POS, no extra hardware.

UniPay POS turns your Terminal into a full point of sale system, with no extra hardware required. Build your product catalogue, ring up orders, manage staff, and run end of day reports, all from the same 5.5" screen. At checkout, the Terminal flips to customer facing payment mode automatically.

Full product catalogue with categories and images

UniCash, cash, and card payments, all tracked in one place

Staff management and per staff reporting

End of day Z-reports and daily sales summaries

UniPay POS System

The full counter station: 15.6" cashier + 10.1" customer display.

The complete counter setup for cafés, restaurants, and retail. A 15.6" landscape cashier display with full catalogue and cart, paired with a 10.1" customer facing display and the UniPay Terminal as the dedicated payment device. Full screen real estate, professional counter presence.

15.6" cashier display, catalogue + cart side by side

10.1" customer facing display

UniPay Terminal as the dedicated payment device

Table layout, order management, kitchen routing

Same UniPay POS software, full landscape layout

Shop hardware & software

The hardware

Purpose built.
Beautifully simple.

Every device ships preloaded with UniPay. Unbox, enter a pairing code, take your first payment in under 60 seconds.

9:41●●●● ▲

UniPay Terminal READY

Amount

$0.00

NFC tap to pay

QR invoice scan

Payment link

58mm thermal printer · 4G + WiFi · Staff PINs

UniPay Terminal

NFC · QR · Thermal printer · 4G + WiFi

Order #142

2×Long Black$10

1×Muffin$4.50

1×OJ Juice$6

$20.50

☕

Long Black

$5.00

🧁

Muffin

$4.50

🥤

OJ Juice

$6.00

🍵

Flat White

$5.00

🥪

Sandwich

$12.00

🍰

Slice Cake

$7.50

Drinks

Food

Snacks

Specials

Desserts

UniPay POS System

15.6" cashier · 10.1" customer · Terminal

Shop hardware & software

The ecosystem

One network.
Two powerful products.

UniPay and UniCash work together. Your customers pay with UniCash. You accept with UniPay.

For customers

UniCash

The digital credit app for individuals. Transfer UNC to any UniCash user, or spend at any UniPay merchant, always fee free. Available on iOS, Android, and web.

Transfer UNC to any UniCash user, fee free

Spend at any UniPay merchant, fee free

Real time balance and transaction history

Available on iOS, Android, and web

Learn about UniCash

For businesses

UniPay

The merchant acceptance layer for UniCash. Generate invoices, receive instant UniCash payments, and request AUD payouts, all from one portal.

QR invoice generation in seconds

Real time payment dashboard

On demand AUD bank payouts

Zero chargebacks, zero surcharges

Open the UniPay app

Instant payments.
Zero chargebacks. Zero holdbacks.

Built for businesses
that move fast.

Up and running in minutes.

No chargebacks.
No holdbacks.
Every cent, in full.

Simple, transparent fees.
No surprises.

Start simple.
Scale with your business.

Purpose built.
Beautifully simple.

One network.
Two powerful products.

Connect UniPay to
your platform.

Start accepting payments today.
It only takes minutes.

Instant payments.Zero chargebacks. Zero holdbacks.

Built for businessesthat move fast.

Up and running in minutes.

No chargebacks. No holdbacks. Every cent, in full.

Simple, transparent fees.No surprises.

Start simple.Scale with your business.

Purpose built.Beautifully simple.

One network.Two powerful products.

Connect UniPay toyour platform.

Start accepting payments today.It only takes minutes.

Instant payments.
Zero chargebacks. Zero holdbacks.

Built for businesses
that move fast.

No chargebacks.
No holdbacks.
Every cent, in full.

Simple, transparent fees.
No surprises.

Start simple.
Scale with your business.

Purpose built.
Beautifully simple.

One network.
Two powerful products.

Connect UniPay to
your platform.

Start accepting payments today.
It only takes minutes.