Every payment Tells the full storyA smart receipt, in the bank app
01
Merchant Checkout
Customer pays at a connected terminal. Square, Stripe, and Clover are integrated, with more POS partners in build.
POS layer
02
SPTC Generated
A unique code is generated and attached to the transaction as metadata, keyed to one permanent record.
03
Bank Receives Code
The code rides the existing payment reference to the bank. No change to the payment rails, and nothing for the merchant to do.
Bank rail
04
Full Receipt Displayed
One API call resolves the code. 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.
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.
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.
Fraud signals from every processor aggregate into one risk score, so banks can block in real time and merchants are warned before they ship. Disputes are flagged before they become chargebacks, and refunds or cancellations update every party the moment they happen.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
Verify
Verifiable Transaction Records
One permanent record per payment, with GST, categories, and itemised proof captured at the point of sale. It stands as evidence for warranty claims, insurance, returns, ATO deductions, and government audits, instead of screenshots or lost receipts.
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.
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.
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 a connected terminal. Square, Stripe, and Clover are integrated, with more POS partners in build.
POS layer
02
Receipt Code Generated
A unique cryptographic code is generated and attached as metadata to the transaction.
SyncPay
03
Bank Receives Code
The code travels to the bank inside the existing rawText field. No bank integration required for data flow.
Bank rail
04
Full Receipt Displayed
Bank resolves the code via API. A complete smart receipt appears in the bank app: items, loyalty rewards, and fraud checks, no paper.
Consumer UI
Sign Up →Free for merchants. One integration, under a minute to connect.
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
Flat White × 1$4.50
Sourdough Toast$8.00
Total$22.50
SPTC-AU-4F2A9C17
Core
Paperless Smart Receipts
Every card payment becomes a smart digital receipt. SyncPay connects your POS and delivers the full itemised receipt straight into the customer’s bank app, zero paper.
02
1,240pts
Loyalty No. PM-4821-0093
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
Item-level proof
Purchase verified
Warranty active
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.
03 · At the counter
Your customers feel it, before your books do
The receipt is attached to the payment before the card is back in the wallet. Nothing to print, nothing to type, nothing to download.
01
The receipt question disappears
No “receipt with that?”, no email typed into a terminal, no loyalty card to find. One tap and the queue keeps moving.
Line speed
02
Returns without the paper
The customer arrives with no receipt, which today means a manager override or a refused return. Item-level proof sits on the payment, so staff verify the purchase itself.
Fewer disputes
03
You are in the app they open daily
Not an unreadable statement line. Your name, your items, your total, inside the banking app. The same clarity that stops “I don’t recognise this charge” chargebacks.
Brand surface
04
Loyalty with nothing to join
The payment is the loyalty event, so there is no sign-up at the till and no enrolment rate to worry about. Every paying customer is already in.
Zero friction
The counter today
“Do you want a receipt?”
“What’s your email?”
“Are you a member? Do you have the app?”
“Sorry, no receipt, no return.”
The counter with SyncPay
“Tap when you’re ready.”
Receipt lands in the bank app.
Loyalty applied, nothing to scan.
Returns verified from the payment.
Free for merchants. Always.
You are never billed for SyncPay. Connect the POS you already use, keep the terminal you already have, and every card payment starts carrying a smart receipt.
Not seeing your POS or payment provider? Tell us which one and we will have it up and running in under a week.
04 · 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.
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
Merchants are not charged for the merchant portal or for the receipt records generated from their transactions. Paid partner arrangements are set out in a separate written agreement.
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.
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