UniPay Powered by UniCash
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How UniPay works

Accept payments.
Keep every cent.

UniPay is the merchant side of UniCash. Accept instant payments from any UniCash customer — with zero chargebacks, zero holdbacks, and every cent paid out to your AUD bank account.

A payment, end to end

How a payment works.

1
Step one
Your customer pays

Show the amount on your terminal, screen, or a payment link. Your customer taps their phone — or their UniCash card from Apple or Google Wallet — or scans your QR code, then approves it — the payment goes through on the spot.

Tap or scan
NFC tap-to-pay on a UniPay Terminal — phone or UniCash card from a Wallet — or scan your QR code.
Customer approves
They see the amount in UNC and approve it in their app.
2
Step two
You're paid instantly

The moment your customer pays, your UniPay balance updates in real time. You're paid in UNC, where 1 UNC always equals 1 AUD — instantly, with no waiting days for the money to land.

Real-time balance
Your balance updates the instant a payment is made.
1 UNC = 1 AUD
No FX, no conversion. What you're paid is what it says.
3
Step three
Payout to your bank

Request a payout of your UniPay balance to your nominated AUD bank account whenever you're ready. Payouts are sent via PayID, so they reach your bank almost instantly — there's no fixed schedule, and we never hold back a percentage. Every cent is yours.

Payout on demand
Almost-instant PayID payouts to your AUD bank account, whenever you choose.
Zero holdbacks
No rolling reserve. The full amount is always available.
Ways to accept

Take payments however
you do business.

At the counter

A dedicated UniPay Terminal with NFC tap-to-pay and QR. Fast, familiar, and built for a busy counter — just like contactless, without the card.

On your phone or browser

Generate a QR invoice or payment link from the UniPay app or the web dashboard on any device. No extra hardware required.

Online

Add UniPay to your online store with our WooCommerce and Shopify integrations, so customers can pay with UniCash at checkout.

The difference

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

Card providers quietly hold back 5–15% of every payment you take — sometimes for months — and even the money that does reach you can take days to settle and clear. They can also claw funds back through chargebacks long after the sale. UniPay does none of this. A UniCash payment is made in full at the point of sale, so you're paid the moment the sale happens — there are no card-style chargebacks, and we never hold back a percentage of your money. The moment you're paid, it's all yours.

What it costs

One flat rate.
Everything else zero.

One simple service rate on every UniCash payment you receive — no interchange, no scheme fees, no PCI fees, no payout fees.

1.2%
Maximum service rate
(down to 0.6% on higher-volume plans)
Zero
Interchange, scheme,
PCI & payout fees
See full pricing
What is UNC?
UNC — UniCash Digital Credits

UNC is the digital credit your customers pay with, and the unit your UniPay balance is held in. There's no exchange rate or conversion to track — 1 UNC is always 1 AUD. UNC isn't fiat currency, e-money, or stored value, and is only used within UniCash and UniPay. Customers buy UNC with AUD and pay you instantly — and whenever you're ready, you can request a payout to your bank account in AUD.

1:1
UNC to AUD, always
Instant
Real-time balance updates
AUD
Payouts to your bank
Common questions

Things merchants ask.

Your UniPay balance updates the moment a customer pays. You can request a payout to your AUD bank account at any time — there's no fixed schedule. Payouts are sent via PayID, so the money reaches your bank almost instantly.
Correct. A UniCash payment is made in full at the point of sale, so there are no card-style chargebacks or clawbacks — funds aren't reversed out of your account weeks later.
Open the payment in your UniPay app or web dashboard, tap "Issue refund", and confirm. The refund returns to the customer's UniCash balance as UNC, almost instantly. Issuing a refund is at the merchant's discretion and handled in line with the Australian Consumer Law.
No. UniPay runs entirely on the app on your phone or the web dashboard in any browser — your customer just scans a QR code you display. If you'd prefer purpose-built counter hardware, a dedicated UniPay Terminal with tap-to-pay is available from the UniPay Store.
One flat service rate on each UniCash payment you receive — a maximum of 1.2%, down to 0.6% on higher-volume plans. No interchange, scheme, PCI, or payout fees. See the pricing section for full details.
UNC is the digital credit customers pay with, where 1 UNC = 1 AUD. Amounts are always shown in UNC. The customer simply sees the amount and approves it. Your UniPay balance is held in UNC, and payouts reach your bank as AUD.
Yes. The UniPay web dashboard at merchant.unipay.network gives you full access to payments, payouts, invoices, settings, and reports from any browser. Your mobile app and web dashboard stay in sync.
UniPay integrates with WooCommerce and Shopify for online stores, and Xero and MYOB for accounting, with more on the way. See integrations.unipay.network for setup guides.

Ready to get started?

Create your UniPay account and accept your first UniCash payment in minutes.

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