FINANCIAL INFRASTRUCTURE · AUSTRALIA

Every payment.
Full picture.

SyncPay is the infrastructure layer that turns every card transaction into verified, itemized, intelligent data — for consumers, merchants, banks, and government.

See the live demo ↓ Our products →
$1.7T
In card transactions processed
in Australia annually
16M
Australians using mobile
banking every week
$6.4B
Lost to expense fraud
in Australian businesses yearly
68%
Of tax returns contain errors
due to missing receipts
The problem

The entire financial system
runs on paper scraps

Every card transaction generates a digital payment — but the receipt is still printed on thermal paper that fades, tears, and disappears.

🧾
$5,000 lost per business, per year
The average Australian small business misses $5,000 in legitimate tax deductions annually — not because they didn't spend, but because receipts were lost, faded, or never filed.
🏦
Banks see numbers. Not reality.
Every bank feed shows "Woolworths — $124.60." It tells you nothing. Was it groceries or office supplies? GST claimable or not? One number hides everything your accountant, insurer, and the ATO actually need.
🔍
91% of fraud starts with bad data
91% of financial fraud investigations trace back to unverifiable transaction records. Without item-level receipt data attached to payments, businesses are exposed — and auditors are flying blind.
How it works

One payment. Full picture.

SyncPay sits invisibly between POS systems and banks. When you tap your card, a cryptographic SyncPay Transaction Code (SPTC) links the payment to its full itemized data — forever.

1
Customer pays by card
Tap, swipe, or online — any card payment at any SyncPay-integrated POS
2
POS sends itemized data
Items, prices, GST, SKUs, and merchant details flow to the SyncPay API instantly
3
SPTC is generated
A cryptographically secure unique code links the payment to its itemized receipt permanently
4
Bank displays receipt
Full itemized breakdown appears in the customer's banking app within seconds
5
Data flows to partners
Accountants, ATO, insurers, and lenders access verified data with permission
Live demo

Watch it happen in real time

Press "Tap to Pay" to trigger a real transaction flow. Watch the SPTC generate and the receipt appear live in the bank app.

🖥️
POS
→
⚙️
SPTC
→
🏦
BANK API
→
📱
SYNCPAY BANK
MERCHANT:
POS TERMINAL
Bunnings Warehouse
Richmond VIC
🖥️
TOTAL $152.45
SPTC ENGINE — UNIQUE TRANSACTION CODE MANAGEMENT
SPTC-AU-••••••••-••••
status:"waiting for payment..."
9:41
●●●● WiFi 🔋
SYNCPAY BANK
Sarah Davies
$4,820.35
RECENT
Make a payment to see SyncPay in action
B2B Invoice Flow

Scan the SPTC. Bank fills everything in.

Your supplier includes an SPTC code on their invoice. Enter it once — your bank app instantly pre-fills BSB, account number, amount and full line items. One tap to confirm. Receipt permanently attached.

INVOICE FROM:
TAX INVOICE
Buildcorp Pty Ltd
ABN 55 123 456 789
UNPAID
Invoice #INV-2026-0441
Due: 23 Mar 2026
Subtotal
GST (10%)
Total Due
PAYMENT DETAILS
BSB062-000 Account1234 5678 NameBuildcorp Pty Ltd ReferenceINV-2026-0441
SPTC CODE
Powered by SyncPay
SPTC-AU-8KX92MBP-2026
Enter this code in your banking app to auto-fill all payment details and attach this invoice to the transaction.
9:41
●●●● WiFi 🔋
BUSINESS ACCOUNT
SyncPay Pty Ltd
$48,320.00
RECENT PAYMENTS
💼
Tap ↗ Enter SPTC on the invoice
to auto-fill and pay
The product suite

Five layers. One infrastructure.

SyncPay isn't a single product — it's a platform. Each layer solves a distinct problem for a distinct buyer, all powered by the same SPTC standard underneath.

SYNCPAY CORE
⚙️
The SPTC Infrastructure
The foundation. Every card transaction gets a cryptographic SyncPay Transaction Code linking payment, merchant, items, GST, and timestamp — forever. Integrates via Square API and bank APIs. No new hardware required.
FOR: BANKS · MERCHANTS · POS PROVIDERS
SYNCPAY INSIGHT
📊
Merchant & Consumer Analytics
Merchants see real repeat customer rates, item-level trends, and true basket data. Consumers get automatic budget tracking, spending categories, and subscription detection — all without lifting a finger.
FOR: MERCHANTS · CONSUMERS · ACCOUNTANTS
SYNCPAY LOYALTY
🎯
Payment-as-Loyalty
The payment becomes the loyalty event. No app, no scan, no separate card. SPTC automatically triggers points at checkout and updates in the consumer's banking app in real time. Every loyalty program runs through one standard.
FOR: RETAILERS · HOSPITALITY · BRANDS
SYNCPAY SHIELD
🛡️
Fraud & Protection Layer
Insurance claims verified instantly against SPTC. Warranty claims tied to the original transaction. Returns fraud eliminated — every return is matched to a cryptographic receipt. Chargeback disputes resolved with immutable evidence.
FOR: INSURERS · RETAILERS · LENDERS
SYNCPAY GOV
🏛️
ATO & Compliance Integration
Verified SPTC data feeds directly into myTax. Deductibles flagged automatically. GST credits pre-calculated. Business compliance reporting automated. SyncPay becomes the infrastructure the ATO and Treasury have been waiting for.
FOR: ATO · BUSINESSES · ACCOUNTANTS
THE SYNCPAY FLYWHEEL
💳
More card payments
Consumers prefer card for automatic tracking
→
🏪
Merchants integrate
Analytics, loyalty & receipt savings
→
🏦
Banks adopt
Consumer demand drives integration
→
📱
Richer consumer data
Better tracking, insurance & tax
→
🔄
Network grows
More data = more value for everyone
Why SyncPay wins

The network that makes itself irreplaceable

Every new merchant, bank, and consumer makes SyncPay more valuable for all the others. That's a moat that compounds.

🔗
True network effects
More merchants generate more SPTC data. More data gives consumers better insights. Better insights drive more card usage. More card usage attracts more banks. More banks push more merchants to integrate. The loop is self-reinforcing and gets stronger with every participant.
🔐
Cryptographically verified
Every SPTC is encrypted, timestamped, and immutable. Court-admissible, ATO-ready, insurer-verified, and tamper-proof. The receipt becomes as trustworthy as the payment itself — which means it can replace paper in every legal and financial context.
📲
No app. No friction. No behaviour change.
SyncPay works invisibly through Square and bank APIs. Consumers don't download anything. Merchants don't change how they operate. Receipts simply appear in the banking app automatically. The best infrastructure is the kind nobody notices.
🏛️
National infrastructure play
SyncPay Gov feeds verified transaction data directly into ATO systems. The Australian government has been trying to close the cash economy and reduce deduction fraud for decades. SyncPay is the infrastructure that makes it possible — which means government becomes a distribution partner, not just a regulator.
Get involved

The infrastructure for the future of money

We're looking for bank partners, merchant integrators, and a technical co-founder to build the next layer of Australian financial infrastructure.

Get in touch → See the demo again