Live across Australia & New Zealand — 2,000+ payment touchpoints

One platform. Every payment.

The acquirer-agnostic payments platform built for Australian and New Zealand hospitality and retail. Card-present, online, NPP, pay-by-link — all on your terms, never locked in.

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2,000+ Payment touchpoints
9+ Payment types
99.9% Platform uptime
PAX A920 payment terminal UrPay merchant Retail merchants
Payment Approved Smart routing · LCR active
✓
Multi-switch redundant Failover ready
●●●
NPP — Real-time Settled instantly · AU
⚡
Accepted payment types
Visa Mastercard eftpos American Express UnionPay Alipay PayID Diners Club

The platform

Built for every way
your customers pay

Four channels, one platform, zero lock-in. UrPay routes every transaction intelligently — whichever way gets approved fastest, at the lowest cost to your business.

Card Present

In-Person Payments

Tap, insert, swipe — on Android smart terminals with full POS ecosystem integration. Smart routing selects the lowest-cost network on every transaction automatically.

  • Full POS ecosystem integration
  • Least-cost routing (LCR)
  • Multi-switch redundant
  • Dynamic surcharging
Explore card-present
Card Not Present

Online & eCommerce

Accept payments on your website, over the phone, or via email — through a single API integration. Multi-gateway architecture means resilience and competitive rates.

  • API integration
  • Hosted payment pages
  • Multi-gateway routing
  • Recurring billing
Explore online payments
Real-Time Payments

NPP & Pay by Link

Australian real-time bank payments via the New Payments Platform. Send a payment link by SMS or email — paid in seconds, settled the same day, zero card fees.

  • NPP-native (AU)
  • PayID support
  • SMS & email payment links
  • Same-day settlement
Explore real-time payments
AI Platform

AI-Powered Merchant Intelligence

Your Merchant Dashboard learns from your transaction data — surfacing insights, flagging anomalies, and optimising routing decisions in real time.

  • Smart analytics dashboard
  • Real-time transaction insights
  • Automated reconciliation
  • AI routing optimisation
Explore AI platform

Why UrPay

Infrastructure built the right way

Most payment platforms lock you in. UrPay is built for freedom — choose your acquirer, your POS, your rates. The platform works harder so you don't have to.

Acquirer A
Acquirer B
Acquirer C
↕ Routes for best outcome
UrPay UrPay Platform
Always agnostic & redundant

Acquirer-agnostic

Your rates.
Not theirs.

UrPay sits across multiple acquiring banks, not tied to any one. Every transaction routes to the best outcome — lowest cost, highest approval rate — automatically. You're never held hostage to one bank's pricing.

PAYFAC-licensed Multi-acquirer No lock-in contracts
Switch 1 ● Primary
Switch 2 ● Failover ready
Switch 3 ○ Failover ready
No single point of failure

Multi-switch & multi-application

Payments that
don't go down.

UrPay's single tech stack includes multiple CP switches and payment applications built in. If one pathway has an issue, the platform routes through another — no downtime, no declined transactions, no frustrated customers at the counter.

Multi-switch Automatic failover 99.9% uptime
UrPay hospitality merchant

Your POS, your way

Works with the
tools you love.

UrPay integrates natively with Australia's leading POS platforms on Android. Split bills, settle tables, send digital receipts, and accept every payment type without changing a thing about how your team works.

POS integration Android POS Split payments Digital receipts

Industries

We understand
your business

UrPay was built in the field — with hospitality operators, retail managers, and high-volume merchants who couldn't afford for payments to be the weak link.

Hospitality — restaurant
Hospitality

Hospitality

Restaurants, cafes, bars and venues. Table-side payments, bill splitting, digital receipts, and POS integration with leading hospitality platforms.

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Retail
Retail

Retail

Boutiques to enterprise retail. Mobile EFTPOS, eCommerce integration, inventory-aware payment flows and enterprise reporting.

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Enterprise
Enterprise

Enterprise & High-Volume

Custom pricing, dedicated support, acquirer-agnostic routing, and real-time reconciliation built for merchants processing at scale.

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Integrations

Works with everything
you already use

UrPay connects natively with Australia's leading POS platforms and software ecosystems. API-ready for custom integrations, webhooks for your back office, and multi-scheme acceptance out of the box.

POS integration Android OS REST API Webhooks
View all integrations
POS Integration
Native POS integration — works with Australia's leading platforms
NPP
Live API
Webhooks
Multi-scheme

By the numbers

Trusted by merchants
across AU & NZ

2,000+
Payment touchpoints
T+1
Settlement cycle
9+
Payment types accepted
99.9%
Platform uptime
"UrPay gave us back control. We're not locked into one bank, not paying rates we didn't negotiate — and when something needs fixing, they actually pick up the phone."
— Hospitality operator, Melbourne

Ready to switch?

Tap into more.

Talk to our team about what UrPay can do for your business. No lock-in contracts, no one-size-fits-all pricing — just payments that work the way you do.

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UrPay merchant