Merchant Acceptance Platform

Instant payments.
Zero charge-backs.

Accept UniCash from your customers with competitive service rates from 0.6%. Real-time confirmation. On-demand AUD payouts to your bank — whenever you're ready.

Start accepting payments → See how it works

⚡

Instant confirmation

🏦

On-demand AUD payouts

🛡️

Zero charge-backs

📲

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 ›

⬡

Request

QR · NFC · Link

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Payout

To bank

📄

Invoice

New

🕐

History

All txns

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.

A simple service rate on every UniCash payment you receive — from 1.2% on Starter, as low as 0.6% on higher plans. No interchange, no scheme fees, no chargebacks. Bank your balance any time — free.

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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.

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Instant confirmation

UniCash payments confirm in real time. No waiting for authorisation, no failed transactions — and UniCash has no charge-backs. Once confirmed, you keep it.

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On-demand AUD payouts

Your balance is yours — keep it in UniPay or request a payout to your AUD bank account at any time. No lock-ins, no forced sweeps, no waiting.

⊞

Real-time dashboard

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

🛡️

Zero charge-backs

UniCash payments are confirmed and cannot be reversed. No fraudulent reversals, no dispute windows, no funds held. Once paid, you keep it.

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NFC tap-to-pay

Customers tap their phone to pay — no QR scan needed. UniPay Terminal has NFC built in, always ready at your counter.

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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.

How it works

Up and running in minutes.

From signup to your first payment in under five 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 — real-time confirmation.

Payout to your bank

Request a payout of your UniPay balance to your AUD bank account whenever you're ready. Transparent, fast, no surprises.

Pricing

Simple, transparent fees.
No surprises.

Four tiers to suit every business. A simple service rate on every UniCash payment you receive. No interchange, no chargebacks. Payouts to your bank are free.

✓ Our service rate applies to each UniCash payment received. No interchange, no card scheme fees, no chargebacks. Payouts to your bank are always free.

Starter

1.5%

Per transaction

Up to AUD 5,000/month

✓Unlimited invoices

✓Instant payment confirmation

✓Real-time dashboard

✓AUD bank payouts

✓Zero charge-backs

✓No subscription fee

Growth

1.2%

Per transaction

AUD 5,000 – 50,000/month

✓Everything in Starter

✓Priority support

✓Xero & MYOB integration

✓Dedicated account manager

✓AUD 49/month subscription

✦ Most popular

Business

0.9%

Per transaction

AUD 50,000 – 250,000/month

✓Everything in Growth

✓Multi-location management

✓Advanced analytics

★UniPay Terminal included free

✓AUD 149/month subscription

Enterprise

0.6%

Per transaction

AUD 250,000+/month

✓Everything in Business

✓REST API + webhooks

✓White-label option

✓SLA guarantee

★Multiple Terminals included free

✓AUD 499/month subscription

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

Add the counter — NFC, QR, and a thermal printer built in.

The UniPay Terminal is a branded Android POS device, pre-loaded with the Terminal app and pinned as the launcher. Plug it into your counter and it's ready to accept payments. 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 + Wi-Fi — works anywhere

Kiosk-locked — professional, no distractions

+ UniPay POS

Activate full POS on the same device — no extra hardware.

UniPay POS runs on the same Terminal device — the same software, optimised for the 5.5" screen. Build your catalogue, ring up orders, manage staff, and run end-of-day reports — all on one device. The Terminal flips to customer-facing payment mode at checkout.

Full product catalogue with categories and images

Cart, cash, card reference, and UniCash checkout

Staff management and per-staff reporting

End-of-day Z-reports and daily sales summaries

UniPay POS Pro

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

The hardware

Purpose-built.
Beautifully simple.

Every device ships pre-loaded 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 + Wi-Fi · Staff PINs

UniPay Terminal

NFC · QR · Thermal printer · 4G + Wi-Fi

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 Pro

15.6" cashier · 10.1" customer · Terminal

UniPay Terminal

No card fees.
Ever.

The latest Android POS hardware, pre-loaded with UniPay. Everything built in, nothing to configure. Unbox, enter one pairing code, take your first payment within 60 seconds.

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NFC tap-to-pay + QR invoice scan

🖨️

58mm thermal receipt printer built-in

👤

Staff PINs with individual permissions

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4G + Wi-Fi — works anywhere

📊

Daily sales reports sent to your phone

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Surcharge-free — compliant from day one

Free

Included with Business & Enterprise plans

$19/mo

24-month lease plan

$299

Own it outright

Order your Terminal → Talk to us

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 charge-backs, zero surcharges

Open the UniPay app →

Instant payments.
Zero charge-backs.

Built for businesses
that move fast.

Up and running in minutes.

Simple, transparent fees.
No surprises.

Start simple.
Scale with your business.

Purpose-built.
Beautifully simple.

No card fees.
Ever.

One network.
Two powerful products.

Connect UniPay to
your platform.

Start accepting payments today.
It takes five minutes.

Instant payments.Zero charge-backs.

Built for businessesthat move fast.

Up and running in minutes.

Simple, transparent fees.No surprises.

Start simple.Scale with your business.

Purpose-built.Beautifully simple.

No card fees.Ever.

One network.Two powerful products.

Connect UniPay toyour platform.

Start accepting payments today.It takes five minutes.

Instant payments.
Zero charge-backs.

Built for businesses
that move fast.

Simple, transparent fees.
No surprises.

Start simple.
Scale with your business.

Purpose-built.
Beautifully simple.

No card fees.
Ever.

One network.
Two powerful products.

Connect UniPay to
your platform.

Start accepting payments today.
It takes five minutes.