SyncPay
Dashboard Receipts Invoices Activity Analytics Reports Customers Loyalty Expenses BAS Fraud
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Dashboard

Welcome back. Here's what's happening.

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Total Customers
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Repeat Customers
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Repeat Rate
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Avg Visits
Recent Transactions
SPTC Token Usage
0 used 0% 100 total
Lifetime receipts: —
Integrations
SquareNot connected
StripeNot connected
XeroNot connected
ShopifyNot connected
Quick Actions

Analytics

Anonymous customer intelligence from your card payments.

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New vs Returning Customers
Top Items
Top Customers
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Customers

Identified and anonymous customers across all transactions.

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One-time
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Returning
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Regular
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Loyal
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Connect WooCommerce

Your store needs the WooCommerce REST API and pretty permalinks on. Taking card payments through Stripe? Connect Stripe to SyncPay too for full payment matching. We'll remember your store, so next time it's one click.

Link Identity

Attach a customer identity to this anonymous transaction record. All past and future transactions for this card will be linked.

Loyalty

Configure your rewards programme, manage members, and track redemption.

Programme active
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Members by tier
Top rewards
Programme status
Programme active
Turn the loyalty programme on or off. When off, members stop earning and redeeming.
Auto-enrol on first purchase
New customers join automatically the first time they pay. No sign-up step at the counter.
Tier model

How a member's status tier is calculated. Thresholds below are in the unit you choose.

Returning
Reaches this tier at or above the threshold.
visits
Regular
Reaches this tier at or above the threshold.
visits
Loyal
Reaches this tier at or above the threshold.
visits
Points earned
Points a member earns for every $1 spent. Used to redeem rewards.
/ $1
Expiry rules
Points expire after
Unused points are cleared after this many days of inactivity. Set 0 to never expire.
days
Rewards expire after
An earned reward must be redeemed within this many days. Set 0 to never expire.
days
0
One-time
0
Returning
0
Regular
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Loyal
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Add a reward
Email members

Invoices

Create, send, and track invoices with SPTC codes.

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Invoices other SyncPay merchants have sent to your account email.

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Recipient
Line Items
DescriptionQtyPrice $
Subtotal (excl. GST)$0.00
GST (10%)$0.00
Total$0.00
Notes optional
Invoice sent · Bank reference
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PDF not attached, connect Gmail/Outlook in Settings to send with PDF automatically.
STRIPE PAYMENT LINK
Saved • 1 credit charged
Live Preview
Your Business
Invoice
INV-####
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DescriptionQtyUnit PriceTotal
Subtotal (excl. GST)$0.00
GST (10%)$0.00
Total Due$0.00
Bank reference: SPTC code generated on send
This SPTC is the only code your customer will see. Your internal invoice number stays in your dashboard.
SyncPay Core — Generate POS Receipt
ItemQtyPrice $
Subtotal (excl. GST)$0.00
GST (10%)$0.00
Total$0.00
SPTC Code — show this to your customer
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Stored and cryptographically verified

All data is anonymous. No names, emails, or card numbers are stored.

Connect your Stripe account in Settings to start charging payments.

Payment Details
Line Items (optional)
✅
Payment Successful
SPTC Code
Invoice Defaults
Received Invoice Inboxes

Your account email automatically receives invoices addressed to it. Add extra email addresses below to consolidate invoices sent to other inboxes you control.

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Payment Details

Bank transfer details shown on PDF invoices so customers know where to pay.

Recurring Invoices
Customise Invoice

Customise what appears on PDF invoices, logo, display name, and footer message. Customers only see the SPTC code on the email and PDF, the invoice number is internal.

Logo
Click to upload Invoice logo

Receipts

All SPTC-linked receipts for your account.

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Receipt Settings

Activity

SPTC credit usage and event log for your organisation.

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SPTC Generated
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Resolved (matched)
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Credits Used (period)
Credit Usage, Current Period
Activity used—
0% of plan used
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Reports

Period:

GST Summary
Revenue
Reconciliation

Expenses

SPTC receipts this business has received. Track what you buy, not just what you sell.

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Receipts Received
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Total Spend (incl. GST)
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GST Paid (input tax)
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Deductible
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Scan Connected Bank Feeds

Pulls transactions from your connected banks (Basiq / Up Bank), finds SPTC codes in descriptions, and matches them to issued receipts across the SyncPay network. Matched receipts land in your Received list automatically.

Manual SPTC Lookup

Paste an SPTC code from your bank statement. We'll look it up and save it to your Received list.

12-22 uppercase letters/numbers, from your bank statement descriptor.
Push Expenses to Xero as Bills

Every received SPTC receipt can be pushed to Xero as a Bill (ACCPAY invoice). The GST line items come through itemised so reconciliation is one-click.

Checking Xero connection…
Loading bill queue...

BAS

Business Activity Statement. Output tax, input tax, net GST owed, ready for your accountant or MyGov.

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GST Collected (output)
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GST Paid (input)
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Net GST Owed
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Current Period
BAS-ready Checklist
Checking readiness...
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Expenses by ATO Category (this quarter)
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Export for BAS Lodgement

CSV columns: date, sptc_code, description, direction (sale/expense), subtotal, gst, total, category, deductible. Matches the ATO Business Activity Statement worksheet format.

Fraud & Disputes

Chargebacks, pre-dispute alerts, and queries raised by banks and enterprise clients via the SyncPay network.

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Open
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Won
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Lost
Chargeback Requests
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Pre-dispute alerts are sent by banks before a formal chargeback is filed.
Responding within 72 hours with a matching SPTC receipt typically prevents escalation.
Active Alerts
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About Bank Queries

Enterprise clients (banks and financial institutions) can query transaction records via the SyncPay network using the bank portal. These queries are logged here so you can track what data was accessed and respond to any open requests.

Query Log
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Cards flagged as high fraud risk on other online retailers.
These signals are surfaced via the SyncPay network when a card used in your store has triggered fraud flags elsewhere in the last 24 hours.
Flagged Cards
Card (last 4) Signal Source Risk Type SPTC / Ref Flagged Risk
•••• 4821 The Iconic Card testing SPTCK2FCV0HT 2h ago HIGH
•••• 9034 Catch.com.au Stolen card SPTCQFXHUUPI 5h ago HIGH
•••• 1157 Kogan Velocity abuse SPTCM24KIH10 9h ago MED
•••• 6603 Big W Online Disputed order SPTCR77BNX42 14h ago MED

Settings

Business details, billing, and integrations.

Profile Picture

Shown beside your name in the sidebar.

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PNG, JPG, GIF or WebP. Square images look best.
Business Details
MYBIZ* SPTC-XXXXXXXX
Account
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Change Password
API Key

Used to authenticate requests from your integrations. Keep this secret.

Copied ✓
Email Sending

Connect your Gmail or Outlook so invoices send automatically from your address. If no account is connected, the Send button falls back to opening your local email app pre-filled.

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Invoice Branding

Customise what appears on PDF invoices, logo, display name, and footer message. Customers only see the SPTC code on the email and PDF, the invoice number is internal.

Logo
Click to upload Invoice logo
Current Plan
No plan selected
Change plan
Usage This Period
SPTC Activity used—
0% of plan used
Integrations
Connect
Square
POS terminal integration. SPTC codes auto-embedded in every payment.
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Dashboard
Stripe
Payments integration. Auto-attach SPTC codes to Stripe charges.
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Xero Connect
Xero
Auto-reconcile bank feed transactions with itemised receipts.
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Shopify Checking…
Shopify
Checking connection…
WooCommerce Connect
WooCommerce
E-commerce integration. SPTC codes auto-embedded in every WooCommerce order.
Connected · Disconnect
CBA Westpac ANZ NAB
Not connected
Bank Login
Connect via your bank's secure portal. Supports CBA, Westpac, ANZ, NAB and 150+ Australian banks.
MYOB Coming Soon
MYOB
Auto-sync SPTC receipts to MYOB AccountRight and MYOB Business.
MYOB integration is in development. Notify me
Airwallex Coming Soon
Airwallex
Embed SPTC codes into Airwallex payment descriptions for instant receipt matching.
Airwallex integration is in development. Notify me
Clover Coming Soon
Clover
POS integration. SPTC codes auto-embedded in every Clover transaction.
Clover integration is in development. Notify me
Pinch Coming Soon
Pinch
Payments integration. SPTC codes auto-embedded in every Pinch payment.
Pinch integration is in development. Notify me
Fat Zebra Coming Soon
Fat Zebra
Payment gateway integration. SPTC codes auto-embedded in every Fat Zebra transaction.
Fat Zebra integration is in development. Notify me
Loyalty Platforms

Connect an existing loyalty platform. SyncPay tracks non-loyalty transactions alongside it so you never lose a sale.

Not connected
Square Loyalty
Two-way sync: SyncPay members ↔ Square tier/points in real time. Non-Square transactions tracked automatically.
Synced — last sync: 2 min ago · 892 members
T Not connected
Toast Loyalty
Sync Toast POS loyalty members into SyncPay. SyncPay tracks gaps — any payment not through Toast is still captured.
Connected · 0 members synced
Not connected
Generic POS API
Any POS system with a loyalty API — Lightspeed, Vend, Revel, or custom. SyncPay polls your endpoint for member updates.
Connected · polling every 2 min
Invoice
Customer
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Visits
$0
Lifetime
$0
Avg basket
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Days since visit
Email
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Phone
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First seen
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Last seen
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Preferences
Transaction history
Privacy controls
Track this customer's purchases
When off, future payments from this customer are recorded but not linked to their profile. Existing history is kept.
SyncPay
Console
The Data Layer For Payments
© 2026 SyncPay Pty Ltd · ACN 684 923 147
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