Financial Data Infrastructure

Every Payment. Full picture.

SyncPay attaches verified, item-level receipt data to every card transaction, so your bank shows what you actually bought, not just who you paid.

Zero consumer install. Zero new hardware.

Live Demo Partner With Us
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5 Billion receipts printed globally every year
13 Million Australians tap a card daily
$32B in work deductions go unclaimed annually
85% of receipts are still paper or PDF
Average Australian loses 62 receipts a year
Receipt reconciliation costs SMBs $4,000+ per year
ATO processes 14 million tax returns annually
Card overtook cash in Australia in 2019
5 Billion receipts printed globally every year
13 Million Australians tap a card daily
$32B in work deductions go unclaimed annually
85% of receipts are still paper or PDF
Average Australian loses 62 receipts a year
Receipt reconciliation costs SMBs $4,000+ per year
ATO processes 14 million tax returns annually
Card overtook cash in Australia in 2019
01 — The Problem

The entire financial system
runs on paper scraps.

Every day, 13 million Australians tap a card and get back one line of text. A merchant name. A number. The receipt, if it exists at all, is a thermal strip in a bin. It's 2026 and the financial system is still running on paper scraps.

$32B
in work deductions go unclaimed every year because Australians can't find their receipts
400M+
card transactions processed in Australia annually. Zero show itemised data in a banking app
85%
of small businesses still issue paper or PDF receipts with no digital record attached to the payment
$0
cost to consumers. SyncPay requires no app, no sign-up, no behaviour change whatsoever
02 — How It Works

One payment.
Full picture.

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 embedded into the transaction's statement descriptor field.
SPTC protocol
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 ✓
03 — Live Demo

Real APIs.
Real SPTC.

SIMULATED:
LIVE API:
POS
→
SPTC
→
BANK API
→
SYNCPAY BANK
POS TERMINAL · SIMULATED
Bunnings Warehouse
Richmond VIC
TOTAL$152.45
SPTC ENGINE / 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
04 — Product Suite

Six layers.
One infrastructure.

01
Core
SyncPay Transaction Infrastructure
The foundational layer. SPTC generation, POS SDK integration (Square & Stripe live), bank API connectors, and the resolution network. Adyen, Tyro, Windcave in pipeline. Every other product runs on top of it.
02
Insight
Merchant Analytics & Consumer Budgeting
Real item-level purchase intelligence for merchants. Automated category budgeting for consumers. Powered by SPTC data no one else has.
03
Accounts
Accounting Software Integration
Xero, MYOB, and QuickBooks users get every transaction auto-reconciled with full item-level receipt data attached. No manual data entry. No chasing receipts. SyncPay charges the software platform a per-user fee — the accountant and their clients just see it work.
04
Loyalty
Payment-Native Loyalty
The payment IS the loyalty event. No app scan, no card. Rewards trigger automatically from verified purchase data at item level.
05
Shield
Insurance & Warranty Verification
Verified item-level purchase data for insurance claims, warranty periods, returns fraud prevention, and proof of purchase at scale.
06
Gov
ATO & myTax Integration
Automatic GST and tax deductible flagging for every transaction. Work expenses identified at point of sale. Tax time becomes instant.
05 — 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 with every transaction.

True network effects
More merchants generate SPTC data. More data gives consumers better insights. Better insights drive more card usage. More card usage attracts more banks. 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.
Zero friction
SyncPay works invisibly through existing POS and bank APIs. Consumers download nothing. Merchants change nothing. The best infrastructure is the kind nobody notices.
National infrastructure play
SyncPay Gov feeds verified data into ATO systems. Government becomes a distribution partner, not just a regulator. The incentives all point the same direction.
THE SYNCPAY FLYWHEEL
More card payments
Consumers prefer card for automatic receipt capture
→
Merchants integrate
Analytics, loyalty & receipt savings drive adoption
→
Banks adopt
Consumer demand pulls neobanks into the network
→
Richer data
Better insights, automated tax, insurance verification
↩
Network grows
More data = more value = loops back stronger
Integration Partners & Pipeline
Square
Stripe
Adyen
Tyro
Up Bank
Windcave
Ingenico
ANZ / NAB / CBA
06 — Contact

Build the
future with
us.

SyncPay is seeking neobank pilots, POS partnerships, and early investors. 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
Square and Stripe are live. One SDK call adds SPTC to every transaction you process.
Get the SDK
Investors
Seed Round
Pre-revenue. Live infrastructure. Strong patent position. The data layer making every payment smarter.
Request deck