UniCash
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Our story

Built for the way
the world actually pays.

UniCash is a closed-loop digital credit platform designed to make everyday payments faster, simpler, and fee free — regardless of where you came from or how you bank.

"Payments should work for everyone — not just people with the right card or the right bank."

UniCash was founded on a simple belief: the complexity, cost, and friction of traditional payments shouldn't be the barrier between people and the things they need.

We built a closed-loop digital credit platform — one where paying a merchant, splitting a bill, or sending UNC to a friend is instant, fee free, and works the same way for everyone. No foreign transaction fees. No surcharges. No chargebacks.

On the merchant side, UniPay gives businesses a smarter way to accept payments — with purpose-built hardware, NFC tap-to-pay, and competitive service rates starting at 1.2%, dropping to as low as 0.6% as volume grows.

The platform

Two products.
One ecosystem.

UniCash
UniCash
For consumers

The UniCash app lets anyone purchase UNC digital credits and spend them instantly at any participating UniPay merchant. Tap your phone on the terminal, scan a QR code, or send UNC to a friend — all from one app.

1 UNC = 1 AUD, always. No conversion, no surprises.
Zero fees on every transaction inside the platform.
Available in 21 languages — built for multicultural communities.
Identity-verified accounts with full transaction history.
UniPay
UniPay
For merchants

UniPay is the merchant acceptance platform of the UniCash ecosystem. Businesses accept UNC payments through dedicated hardware, QR codes, or online integrations — with zero surcharges and instant payments on every sale.

UniPay Terminal — branded NFC + QR counter terminal with built-in printer.
UniPay POS — full point-of-sale software on dedicated hardware.
WooCommerce and Shopify integrations for online stores.
Merchant payouts to your nominated bank account.
What we stand for

The principles
behind every decision.

Instant by default

Every payment, every transfer, every top up — instant. Not minutes. Not business days. Instant.

Always fee free

No transaction fees, no monthly charges, no hidden costs for paying inside the platform. Simplicity is a feature.

Built for everyone

21 languages. No minimum balance. No credit history required. UniCash is designed for multicultural communities and everyday life.

Secure by design

Every account identity-verified. PIN and biometric protection. Every balance fully accounted for inside a closed-loop platform.

Transparent by principle

1 UNC = 1 AUD, always. What you see is what you have. No conversion, no rate shifts, no small print.

Local at heart

Built for the cafés, restaurants, corner stores, and markets that make communities tick. UniCash is where real life happens.

Operated by
Viera Digital Platforms Pty Ltd

UniCash and UniPay are products of Viera Digital Pty Ltd, an Australian company operating a closed-loop digital credit platform under applicable Australian law.

UNC digital credits are issued and used within the UniCash and UniPay ecosystem only. They are not fiat currency, e-money, or stored value — they are a digital credit used exclusively inside our platform.

Company
Viera Digital Platforms Pty Ltd (ACN 698 942 817)
Jurisdiction
Australia (ACN registered)
Products
UniCash (consumer) · UniPay (merchant)
Support
support.unicash.network

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