Getting started as a merchant

UniPay lets businesses accept UNC from customers via QR code scan or NFC tap-to-pay. This article walks you through creating a UniPay account and taking your first payment.

What you need to get started

• A business ABN or equivalent business registration number
• A smartphone running iOS 15+ or Android 9+
• A bank account in your business name for receiving payouts
• Your business address and contact details

Setup steps

• 1

  Download the UniPay app

  Search for "UniPay" in the App Store or Google Play. This is the separate merchant app — different from the UniCash consumer app.

• 2

  Create your UniPay account

  Sign up with your business phone number and email. Enter your ABN and business details. You'll receive a verification code via SMS.

• 3

  Complete business verification

  Upload your business registration documents. We verify your ABN against the ABR and confirm your business details. This typically takes 1–2 business days.

• 4

  Add your bank account

  Enter your bank BSB and account number. This is where payouts will be sent when you request them.

• 5

  Choose your pricing tier

  Select Starter, Growth, Business, or Enterprise. You can change your tier at any time. See the Pricing article for full details on each tier.

• 6

  Take your first payment

  Open the UniPay app, tap Quick Sale, enter an amount, and show the QR code for the customer to scan. (With a UniPay Terminal, customers can also just tap their phone to pay.)

Accepting your first payment

Once your account is verified, accepting payments is simple:

1. Open the UniPay app and tap Quick Sale
2. Enter the amount in UNC
3. A QR code appears on screen — the customer scans it with their UniCash app
4. The payment appears in your UniPay dashboard instantly

Can I have multiple locations?

Yes. You can register multiple locations under one UniPay account. Each location gets its own QR code and can have its own Terminal device. All balances and reporting are visible in the main dashboard.

How long does verification take?

Business verification typically takes 1–2 business days after you submit your documents. You'll receive an email and in-app notification when your account is approved. If you need faster processing, contact us at [email protected].