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

One platform. Every payment.

The acquirer-agnostic payments platform built for Australian and New Zealand businesses. Card-present, online, NPP, pay-by-link — on your terms, with your acquirer, your way.

Talk to us See the platform
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
✓
Payment redundancy Multiple independent apps
●●●
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. Card-present, online, real-time, and AI-powered integrations — all in a single acquirer-agnostic tech stack that works for any 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)
  • Multiple independent payment apps
  • 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

UrPay connects to the tools your business already runs — reservations, SaaS platforms, customer support, and accounts receivable — automating the connective tissue between payments and your operations.

  • Reservations & booking platforms
  • SaaS & ERP connectivity
  • Customer support integration
  • Accounts receivable automation
Explore AI platform

Why UrPay

Infrastructure built the right way

UrPay is built differently — acquirer-agnostic by design, redundant by architecture. Choose your acquirer, your POS, your rates. The platform works harder so you don't have to.

Acquirer A
Acquirer B
Acquirer C
↕ Multi-acquirer by design
UrPay UrPay Platform
Always agnostic & redundant

Acquirer-agnostic

Your rates.
Not theirs.

UrPay's tech stack and processing infrastructure are built acquirer-agnostic from the ground up — connected across multiple acquirers, not wired to one. When you process with UrPay, you're never beholden to a single acquirer's terms, appetite, or pricing. That independence is yours by design.

PAYFAC-licensed Multi-acquirer Acquirer-independent
Payment App A ● Active
Payment App B ● Active
No single point of failure

Redundancy by design

Payments that
don't go down.

UrPay operates multiple independent payment applications — each on its own switch. There's no single app carrying every transaction, no single point of failure. If one application encounters an issue, another is already running. Built-in redundancy, not a failover plan.

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 serves businesses across hospitality, retail, healthcare, SaaS, enterprise, and beyond — built by operators who know payments can't 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 infrastructure, and real-time reconciliation built for merchants processing at scale.

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Healthcare and medical
Healthcare

Healthcare & Medical

Clinics, specialists, allied health, and medical centres. Compliant payment flows, Medicare gap billing support, and seamless practice management integration.

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SaaS and platforms
SaaS & Platforms

SaaS & Platforms

Embed payments natively into your software. UrPay's API connects to your platform, ERP, or SaaS stack — enabling white-label payment flows for your end customers.

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Professional services
Professional Services

Professional Services

Legal, accounting, consulting, and service firms. Pay-by-link, invoice payments, NPP real-time settlement, and accounts receivable automation — without the bank fees.

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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
NPP
Live API
Webhooks
Multi-scheme
AI Platform

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. Custom pricing, acquirer choice, and a platform that works the way your business does.

Get in touch Explore the platform
UrPay merchant