UniPay is the merchant acceptance platform built to give businesses a better deal — a simple service rate, instant payments, zero chargebacks, zero holdbacks, and payouts to your bank on your schedule. More of every sale stays where it belongs: with you.
Traditional card payments come with fees that compound, chargebacks that drain time and money, rolling reserves that lock up your cash for months, and settlement windows that slow everything down. We built UniPay to remove all of that.
Accept UniCash from your customers and the payment is instant — with zero chargebacks, no rolling reserve, a simple service rate on each payment, and free bank payouts whenever you're ready. No batch windows. No payment reversals. No funds held back. No surprises.
From a café counter to a multi-location retail business, UniPay gives every merchant the same infrastructure: the UniPay Terminal for tap-and-scan payments, the UniPay POS system with full point-of-sale software — product catalogue, order management, staff accounts, and end-of-day reporting — plus invoicing, online acceptance via WooCommerce, Shopify, and REST API, a real-time dashboard, and Xero & MYOB integration that keeps your books current automatically.
The merchant acceptance platform of the UniCash ecosystem. Accept UniCash payments at your counter, online, or via API — with zero chargebacks and instant payment on every sale.
UniCash is the digital credit app your customers use to pay. They purchase UNC digital credits, then tap or scan at any UniPay merchant — instant, secure, and free.
Every payment is instant — not minutes, not business days. The moment a customer pays, it's there in your dashboard.
Once a UniCash payment is made, there are no chargebacks — and we never hold a single cent back. No fraudulent disputes, no reversal windows, no rolling reserve. You keep what you're paid.
A single service rate on every payment received — starting at 1.2%, dropping to as low as 0.6% as your volume grows. No interchange, no scheme fees.
Request a payout to your nominated bank account whenever you're ready. No batch windows. Payout on your schedule.
Every payment, every invoice, every payout — visible the moment it happens. From your phone or your desktop, always up to date.
Cafés, restaurants, retail, markets, e-commerce — UniPay is designed for the businesses that make communities tick. Simple to set up, powerful to run.
UniPay and UniCash are owned by Viera Digital Pty Ltd (ACN 696 985 047) and operated by Viera Digital Platforms Pty Ltd (ACN 698 942 817), both Australian companies. The platform is a closed-loop digital credit system operating under applicable Australian law.
UNC digital credits are issued and used within the UniCash and UniPay ecosystem only. They are not fiat currency, e-money, or stored value — they are a digital credit used exclusively inside our platform.
A simple service rate, zero chargebacks, zero holdbacks. Create your UniPay account and accept your first UniCash payment — with every cent paid out in full.