Terms & Conditions

1. About SyncPay

SyncPay Pty Ltd (“SyncPay”, “we”, “us”, “our”) operates a fintech infrastructure platform that generates cryptographic transaction codes (SPTC) to link card payment records to itemised receipt data. These Terms govern your access to and use of syncpay.au and all associated services.

2. Acceptance of Terms

By accessing or using SyncPay, you agree to be bound by these Terms. If you do not agree, do not use the service. These Terms apply to all users including merchants, consumers, accountants, and API integrators.

3. Use of the Service

You agree to use SyncPay only for lawful purposes and in a manner consistent with all applicable Australian laws and regulations. You must not:

• Attempt to reverse-engineer or tamper with the SPTC cryptographic system
• Use the service to process fraudulent transactions
• Misrepresent your business identity or ABN
• Interfere with the platform’s infrastructure or security mechanisms
• Resell or sublicence API access without written authorisation

4. User Classes: Customers and Consumers

SyncPay has two user classes:

• Customers are businesses that use SyncPay to generate SPTC codes on their payments (typically via Stripe, Square, Shopify, Xero, or NetSuite). Customers pay for SyncPay under the SPTC Activity credit model described in Section 6.
• Consumers are the end users whose purchases are recorded. Consumers access itemised receipts through their bank app, the public lookup page at syncpay.au, or by signing up to the authenticated consumer portal.

These Terms apply to both classes. Sections 5 and 6 set out the obligations and billing specific to each.

5. Customer Accounts

Customers who create accounts must provide accurate business details including a valid Australian Business Number (ABN). You are responsible for all activity that occurs under your account. SyncPay reserves the right to suspend accounts that violate these Terms or that we reasonably suspect of fraudulent activity.

6. Billing

Merchants are not charged for access to the merchant portal or for the receipt records generated from their transactions.

Where SyncPay enters a paid arrangement with a partner organisation, the commercial terms of that arrangement are set out in a separate written agreement between SyncPay and that organisation, and are not governed by this section.

SyncPay will give written notice before introducing any charge that would apply to your use of the service.

7. Integrations and Bank Statement Descriptors

SyncPay integrates with third-party services including Square, Stripe, Shopify, Xero, NetSuite, PocketSmith, and Up Bank. Your use of these integrations is also subject to the terms of those third parties. SyncPay is not responsible for third-party service outages or changes to their APIs.

When a Customer processes a payment through SyncPay, a 22-character descriptor in the form {merchant_prefix} SPTC{8_alphanumeric} (for example, COFFEESUP SPTCA1B2C3D4) is attached to the transaction and will appear on the Consumer’s bank statement. The Consumer acknowledges that this descriptor will be visible to anyone with access to their bank statement and is not considered private information.

8. Intellectual Property

All content, branding, code, and technology on syncpay.au is owned by SyncPay Pty Ltd. The SPTC system and its cryptographic methodology is proprietary. No licence is granted to reproduce, copy, or adapt any part of the service without written permission.

9. Limitation of Liability

To the maximum extent permitted by Australian law, SyncPay is not liable for any indirect, incidental, or consequential damages arising from use of the service. Our total liability in any circumstance is limited to the fees paid by you in the 3 months preceding the claim. Nothing in these Terms excludes or limits any rights that cannot lawfully be excluded under the Australian Consumer Law.

10. Governing Law

These Terms are governed by the laws of Victoria, Australia. Any disputes will be subject to the exclusive jurisdiction of the courts of Victoria.

11. Contact

For questions about these Terms, contact us at our contact page or email hello@syncpay.au.