How It Works — UniCash

Step one

Create your account

Download the UniCash app and complete a quick, one-time identity verification. We do this once to keep the platform safe for everyone — and it's remembered forever, so you'll never have to do it again.

Download the app

Available on the App Store and Google Play.

Verify your identity

Name, date of birth, address, and a photo ID — done once, remembered forever.

Set your PIN

Secure your account with a 6-digit PIN and optional biometric unlock.

Step two

Purchase UNC digital credits

Transfer funds from your bank account to purchase UNC. 1 UNC is always equal to 1 AUD — no exchange rate, no conversion, no surprises. Your balance is topped up instantly.

Bank transfer

Transfer from your bank account via PayID or BSB. Your balance is updated immediately.

1 UNC = 1 AUD, always

No FX spread. No conversion fee. Your UNC balance is exactly what it says in AUD.

Step three

Pay, send, repeat

Your UniCash balance is ready to use the moment it's topped up. Pay at any UniPay merchant, send UNC to friends and family, or receive UNC from anyone on the platform — all fee free, all instant.

Tap or scan at merchants

Tap your phone — or your UniCash card from Apple or Google Wallet — on a UniPay Terminal, or scan the QR code at the counter.

Send UNC to anyone

Search by @handle and transfer UNC to any UniCash user. Instant, fee free.

Full history, always

Every transaction tracked. Every payment, transfer, and top up — visible in the app, always.

How you pay

Three ways to use
your UniCash balance.

NFC tap-to-pay

Tap your phone — or your UniCash card from Apple or Google Wallet — on any UniPay Terminal, and your payment goes through instantly. Just like contactless.

QR code scan

Open the app and scan the QR code at the counter. Works at any UniPay merchant — no hardware required on the consumer side.

Send UNC to friends

Search any UniCash user by @handle and send UNC directly to their account. Split a bill, pay back a mate, send to family — all instant, all fee free.

What is UNC?

UNC — UniCash Digital Credits

UNC is a digital credit used within the UniCash and UniPay closed-loop platform. You purchase UNC using AUD and use it for payments and transfers within UniCash and UniPay. The app always displays your balance as its AUD equivalent — because 1 UNC is always 1 AUD.

1:1

UNC to AUD, always

Zero

Fees inside the platform

Instant

Every transfer instant

Common questions

Things people ask.

Yes — completely free for UniCash users. Paying at merchants, sending and receiving UNC, and topping up by PayID or bank transfer are all free. No transaction fees, no monthly fees, no subscriptions.

UNC is the digital credit you use inside UniCash and UniPay. You buy it with AUD at a flat 1:1 rate — 1 UNC is always 1 AUD — then spend it at UniPay merchants or send it to other users. Think of it like store credit that works across the entire UniCash and UniPay network. It isn't fiat currency, e-money, or stored value, and it can only be used within the UniCash and UniPay platform.

Yes — it's part of creating your account. Every UniCash account requires a quick, one-time identity check before it's ready to use. It keeps the platform safe and compliant, and you'll never have to do it again.

At any merchant that accepts UniCash. Look for the UniPay terminal or QR code at the counter — or just ask. The network is growing fast: cafés, restaurants, grocery and corner stores, retail shops, and online stores.

Top-ups appear in your UniCash balance as soon as the payment is received. PayID is almost instant, while a standard bank transfer can take up to one business day.

Through UniPay — our merchant platform. Head to unipay.network to get set up: a dedicated counter terminal with NFC and QR, a full POS system, and integrations for WooCommerce and Shopify. No surcharges, no chargebacks, instant payments on every sale.

Up and running
in minutes.

Three ways to use
your UniCash balance.

Things people ask.

Ready to get started?

Up and runningin minutes.

Three ways to useyour UniCash balance.

Things people ask.

Ready to get started?

Up and running
in minutes.

Three ways to use
your UniCash balance.