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Payment Context Layer

Turning Payments Into Transactions

SyncPay connects records to payments by embedding a resolvable Payment Context Layer into every transaction.

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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
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 story

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.
Consumer UI
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 infrastructure

01
Core
Transaction Data Infrastructure
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.
02
Insight
Merchant Analytics & Consumer Budgeting
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.
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.
04
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.
05
Protect
Insurance, Warranty & Fraud Detection
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.
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.
Integration Partners & Pipeline
Square
Stripe
Xero
Adyen
Tyro
Up Bank
Windcave
Ingenico
ANZ / NAB / CBA
03 Contact

Build the
future with
us

SyncPay is seeking neobank pilots and POS partnerships. If you're building serious financial infrastructure, let's talk.

[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