Merchant Acceptance Platform

Instant payments.
Zero chargebacks. Zero holdbacks.

Accept UniCash payments at a maximum service rate of 1.2%. No rolling reserve, no holdbacks, no chargebacks — every cent paid out to your bank in full, on demand.

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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 ›

⬡

Request

QR · NFC · Link

🏦

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, 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 AUD bank account at any time. No lock-ins, 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 — 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 — or their UniCash card from Apple or Google Wallet — to pay, no QR scan needed. 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.

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 — real-time updates.

Payout to your bank

Request a payout of your UniPay balance to your AUD bank account 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.

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

1.2%

Per transaction

Up to AUD 5,000/month

✓Unlimited invoices

✓Instant payments

✓Real-time dashboard

✓AUD bank payouts

✓Zero chargebacks

✓No rolling reserve

✓No subscription fee

Growth

1.0%

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

0.8%

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

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 + Wi-Fi — 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 — 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 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 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.