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Payment Context LayerPaperless Smart Receipts

Turning PaymentsSmart receipts, Into Transactionsstraight into the bank app

SyncPay is the data layer for payments, infrastructure that connects every transaction to the record behind it.Every card payment becomes a smart digital receipt, delivered straight into your customer's bank app. No paper, no app to download, no friction.

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5B receipts printed globally every year
13M Australians tap a card daily
$32B in work deductions go unclaimed annually
85% of receipts are still paper or PDF
62 receipts lost per Australian per year
$4K+ SMB receipt reconciliation cost annually
14M ATO tax returns processed annually
2019 card overtook cash in Australia
5B receipts printed globally every year
13M Australians tap a card daily
$32B in work deductions go unclaimed annually
85% of receipts are still paper or PDF
62 receipts lost per Australian per year
$4K+ SMB receipt reconciliation cost annually
14M ATO tax returns processed annually
2019 card overtook cash in Australia
85% of receipts are still paper or PDF
62 receipts lost per person every year
5B receipts printed globally each year
0 paper needed with SyncPay
1-tap loyalty at the moment of payment
100% item-level proof to stop fraud
13M Australians tap a card daily
1 smart receipt, straight to the bank app
85% of receipts are still paper or PDF
62 receipts lost per person every year
5B receipts printed globally each year
0 paper needed with SyncPay
1-tap loyalty at the moment of payment
100% item-level proof to stop fraud
13M Australians tap a card daily
1 smart receipt, straight to the bank app
0
Paper receipts
eliminated
0
CO₂ saved
from paper receipts
0
Trees equivalent
preserved
Since beta launch · Growing every day
01 How It Works

Every payment
Tells the full storyA smart receipt,
in the bank app

01
Merchant Checkout
Customer pays at any SPTC-enabled terminal: Square, Stripe, Adyen, Tyro, and more.
POS layer
02
SPTC Generated
A unique cryptographic code is generated and attached as metadata to the transaction.
03
Bank Receives Code
SPTC travels to the bank inside the existing rawText field. No bank integration required for data flow.
Bank rail
04
Full Receipt Displayed
Bank resolves SPTC via API. Complete itemised receipt: categories, items, GST, ATO flags.A complete smart receipt appears in the bank app: items, loyalty rewards, and fraud checks, no paper.
Consumer UI
01 How It Works

A smart receipt,
in the bank app

The payment carries a SyncPay code, so the full itemised receipt lands right inside your customer's banking app. No paper, no lookup. Loyalty and fraud protection come built in.

  • Itemised, not just a merchant name
  • Loyalty rewarded automatically
  • Item-level proof that stops fraud
Without SyncPayWith SyncPay (SPTC)
ANZ · SQ *PROUD MARY COF · $22.50
→
ANZ · SQ *PROUD MARY COF SPTC-AU-4F2A9C17 · $22.50 · 3 items ✓ ATO flagged
Up · BUNNINGS 3056 · $284.40
→
Up · BUNNINGS 3056 SPTC-AU-7C3B1E22 · $284.40 · 8 items ✓ WorkDeduction flagged
NAB · SYNCPAY CAFE* · $67.40
→
NAB · SYNCPAY CAFE* SPTC-8B1E3D92 · $67.40 · 16 items resolved ✓

See SyncPay
in action

Real API calls. Live SPTC generation. Both consumer and business flows.

Open Demo →
02 Product Suite

Six layers
One infrastructureFour layers
Built for merchants

01
Core
Transaction Data InfrastructurePaperless Smart Receipts
SyncPay creates the data layer behind every transaction. It generates the SPTC, connects POS systems, links payments to itemised records, and lets banks, apps, and platforms resolve the full transaction context in real time.Every card payment becomes a smart digital receipt. SyncPay generates the SPTC, connects your POS, and delivers the full itemised receipt straight into the customer's bank app, zero paper.
02
Insight
Merchant Analytics & Consumer BudgetingMerchant Insights
Verified itemised transaction data turns every sale into useful intelligence. Merchants understand what was actually purchased, while consumers get smarter budgeting based on real products, not vague bank categories.Every smart receipt tells you what was actually bought, not a vague bank category. See your best products, busiest times, and real customer behaviour from verified item-level data.
03
Accounts
Accounting Software Integration
SyncPay sends clean itemised transaction data into accounting platforms. Purchases can be matched, categorised, and reconciled automatically, reducing manual entry, missing receipts, and messy bank feeds.
0403
Loyalty
Payment-Native Loyalty
The payment becomes the loyalty event. No app scan, no card, no extra step. Rewards can trigger automatically from verified purchases, specific items, spend rules, or merchant campaigns.The payment is the loyalty event. No app to scan, no card, no extra step, rewards trigger automatically from verified purchases, specific items, or spend rules. More repeat customers, zero friction.
0504
Protect
Insurance, Warranty & Fraud DetectionFraud Prevention & Warranty
SyncPay gives insurers, merchants, and customers verified proof of purchase at item level. Claims, warranties, returns, and fraud checks can be supported by trusted transaction records instead of screenshots or lost receipts.Stop fraud and chargebacks with item-level proof of purchase. Every smart receipt is a trusted record for fraud checks, returns, and warranty claims, no screenshots, no lost paper.
06
Tax
ATO Ready Transaction Records
SyncPay helps create cleaner tax records by linking GST, categories, and itemised proof at the point of sale. This gives businesses and consumers better evidence for deductions, reporting, and compliance workflows.
01
Core

Paperless Smart Receipts

Every card payment becomes a smart digital receipt. SyncPay generates the SPTC, connects your POS, and delivers the full itemised receipt straight into the customer's bank app, zero paper.

02
Insight

Merchant Insights

Every smart receipt tells you what was actually bought, not a vague bank category. See your best products, busiest times, and real customer behaviour from verified item-level data.

03
Loyalty

Payment-Native Loyalty

The payment is the loyalty event. No app to scan, no card, no extra step, rewards trigger automatically from verified purchases, specific items, or spend rules. More repeat customers, zero friction.

04
Protect

Fraud Prevention & Warranty

Stop fraud and chargebacks with item-level proof of purchase. Every smart receipt is a trusted record for fraud checks, returns, and warranty claims, no screenshots, no lost paper.

Integration Partners & Pipeline
Square
Stripe
Xero
Adyen
Tyro
Clover
Pinch
Windcave
Ingenico
MYOB
QuickBooks Online
Afterpay
NetSuite
Weel
Airwallex
LiveComing soon
Tyro Windcave Ingenico
03 Contact

Build the
future with
usBuilt for
merchants

SyncPay is seeking neobank pilots and POS partnerships. If you're building serious financial infrastructure, let's talk.Replace paper with smart receipts that land straight in your customers' bank apps, and turn every sale into loyalty and fraud protection. Let's get you set up.

[email protected]
Banks & Neobanks
Neobank Pilot Program
Integrate SPTC display natively into your app. Be the first bank to show customers what they actually bought. Pilot-ready today.
Start conversation
POS Providers
SDK Integration
Integrates with all POS. One SDK call adds SPTC to every transaction you process.
Get the SDK
Paperless Smart Receipts

Smart receipts,straight into the bank app.

Every card payment becomes a smart digital receipt, delivered straight into your customer’s bank app. No paper, no app to download, no friction.

Sign Up → See how it works ↓
0 paper 1-tap loyalty 100% item-level proof
The paper problem
85%
of receipts are still paper or PDF
62
receipts lost per person every year
5B
receipts printed globally each year
13M
Australians tap a card daily
01 · How it works

A smart receipt, in the bank app

The payment carries a SyncPay code, so the full itemised receipt lands right inside your customer’s banking app. No paper, no lookup, loyalty and fraud protection built in.

01

Merchant Checkout

Customer pays at any SPTC-enabled terminal: Square, Stripe, Adyen, Tyro, and more.

POS layer
02

SPTC Generated

A unique cryptographic code is generated and attached as metadata to the transaction.

SyncPay
03

Bank Receives Code

SPTC travels to the bank inside the existing rawText field. No bank integration required for data flow.

Bank rail
04

Full Receipt Displayed

Bank resolves SPTC via API. A complete smart receipt appears in the bank app: items, loyalty rewards, and fraud checks, no paper.

Consumer UI
Our footprint, in reverse
0
Paper receipts eliminated
0
CO₂ saved from paper receipts
0
Trees equivalent preserved
Since beta launch · Growing every day
02 · Product suite

Three layers, built for merchants

01
Core

Paperless Smart Receipts

Every card payment becomes a smart digital receipt. SyncPay generates the SPTC, connects your POS, and delivers the full itemised receipt straight into the customer’s bank app, zero paper.

02
Loyalty

Payment-Native Loyalty

The payment is the loyalty event. No app to scan, no card, no extra step, rewards trigger automatically from verified purchases, specific items, or spend rules. More repeat customers, zero friction.

03
Protect

Fraud Prevention & Warranty

Stop fraud and chargebacks with item-level proof of purchase. Every smart receipt is a trusted record for fraud checks, returns, and warranty claims, no screenshots, no lost paper.

Integration Partners & Pipeline
Tyro Windcave Ingenico
LiveComing soon
03 · Contact

Built for merchants

Replace paper with smart receipts that land straight in your customers’ bank apps, and turn every sale into loyalty and fraud protection. Let’s get you set up.

Email · hello@syncpay.au Melbourne, Australia
SDG Alignment
UN SDG 9: Industry, Innovation and Infrastructure
Industry, Innovation & Infrastructure

The data layer for payments.

UN SDG 12: Responsible Consumption and Production
Responsible Consumption & Production

Eliminating paper receipts.

SyncPay :: Terms & Conditions
Legal · V1
· syncpay
📄 terms.md
📄 privacy.md
📄 contact.md
(Terms & Conditions, summary. Read the full terms →)
1 · About SyncPay
SyncPay Pty Ltd operates a fintech infrastructure platform that generates cryptographic transaction codes (SPTC) linking card payments to itemised receipt data. These Terms govern your use of syncpay.au and all associated services.
2 · Acceptance
By accessing or using SyncPay you agree to these Terms. They apply to all users, businesses, consumers, accountants, and API integrators.
3–5 · Use & Accounts
Use the service lawfully. Customer and Consumer user classes have separate account and billing rules. Keep your credentials secure.
6 · Billing
Customer, each SPTC Activity (POS receipt, invoice with SPTC, or Xero reconciliation) consumes one credit from your plan allocation.
Consumer, Free tier (bank-feed connect, SPTC matching, lookup) is always free. Pro is $7.99/mo for AI search, analytics & budgeting; cancel anytime.
source: syncpay · melbourne, au · v1
(Privacy Policy, summary. Read the full policy →)
Data Collection & Use
SyncPay collects transaction metadata (merchant, amount, date, SPTC code) to enable receipt lookup and reconciliation. We do not store full card numbers or PII beyond what you explicitly provide.
Consumer Privacy
Consumers retain full control. Bank data is encrypted; you can revoke access anytime. SPTC lookups are anonymous — no login required.
Data Retention & Deletion
We retain data for billing and legal compliance. You can request erasure under GDPR. Deleted data is purged within 30 days.
source: syncpay · melbourne, au · v1
Get in Touch
Email: hello@syncpay.au
Web: syncpay.au
Location: Melbourne, Australia
Support
For account issues, integration help, or billing questions, email us. We typically respond within 24 hours.
source: syncpay · melbourne, au · v1