UrPay
UrPay Technologies is a Brisbane-based, PAYFAC-licensed fintech operating an acquirer-agnostic omni-channel payments platform (card-present, online, NPP/PayID, pay-by-link) for Australian and New Zealand merchants, white-label partners and SaaS platforms.
- Company typePrivate
- Founded2021
- HeadquartersFassifern Valley, Australia
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What UrPay does
UrPay Technologies Pty Ltd is a Brisbane-based fintech that operates an acquirer-agnostic, omni-channel payments platform licensed as a Payment Facilitator (PAYFAC) and certified to PCI DSS v4.0.1. Founded in 2021 and headquartered at Level 1, 73 James St, Fortitude Valley, Queensland, the company serves merchants across Australia and New Zealand — primarily SMBs in hospitality, retail, healthcare/medical and professional services, plus enterprise and SaaS/platform partners. The CEO is Chris Thompson, and the team size is reported as 1–10 employees, with operations delivered through a local 1800 sales and support line available 24/7.
The core platform is built as a multi-switch redundant, acquirer-agnostic stack spanning four channels: card-present (Android smart terminals with least-cost routing and dynamic surcharging), card-not-present (REST API, hosted payment pages, multi-gateway routing, recurring billing, 3DS2), NPP/PayID real-time bank payments with same-day settlement, and an AI Merchant Dashboard with rule-based anomaly alerts and routing optimisation. A SoftPOS module (PCI CPoC certified) is announced for June 2026, and a White-Label PAYFAC partner program lets POS vendors, vertical SaaS platforms, ISOs, banks, fintechs and franchise groups embed the platform under their own brand. Claimed performance metrics include 1,000–2,000+ payment touchpoints, a 98.7% average approval rate across tracked merchants, and an average support response under 90 seconds during business hours.
UrPay monetises through transaction-based fees on processed volume (take rate, negotiated per merchant mix) and through a revenue-share model for white-label and ISO partners. Pricing is custom and volume-tiered, with no lock-in contracts and claimed merchant savings of 0.2–0.6% versus incumbent rates. GTM is hybrid: direct sales (phone, email, website, live chat, API sandbox) supplemented by ISO/reseller channels and an OEM/white-label embed. No funding rounds, M&A activity, or institutional investors are disclosed in the source material, and no revenue figure has been publicly released.
UrPay firmographics
Firmographics- Name
- UrPay
- Legal name
- UrPay Technologies Pty Ltd
- Website
- https://urpay.com.au
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- UrPay Technologies is a Brisbane-based, PAYFAC-licensed fintech operating an acquirer-agnostic omni-channel payments platform (card-present, online, NPP/PayID, pay-by-link) for Australian and New Zealand merchants, white-label partners and SaaS platforms.
- Ownership category
- akta.pro rank
UrPay industry classification
Industry- Product category
- Payment Processing Software
- akta.pro primary industry
- Merchant Acquiring Banks & ISO/MSP Acquirers (FSAMABAB)
- akta.pro secondary industries
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB)
Keywords
Where UrPay is headquartered
LocationHeadquarters
- HQ city
- Fassifern Valley
- HQ country
- Australia
- HQ region
- Oceania
Offices2 records
Markets served
UrPay business model
Business model- GTM type
- B2B
- Offering type
- Software
Revenue model
- Transaction processing fees: UrPay earns a fee per transaction processed through its platform across card-present, card-not-present, and NPP channels. Rates are acquirer-agnostic and merchants pay based on their negotiated transaction mix. The platform offers T+1 settlement across all channels with a single consolidated settlement file.
- Partner revenue share: White-label and ISO partners earn a share of every transaction processed through their merchant base. Partners monetise payments across their customer base under their own brand, with UrPay handling all back-office operations, compliance, and settlement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Custom negotiated pricing based on transaction mix and volume |
| Transaction based/ take rate | Monthly | Partner revenue share — revenue share per transaction for white-label/ISO partners |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
UrPay product offering
Product offeringCore offering
UrPay Technologies Pty Ltd operates an acquirer-agnostic, omni-channel payments platform that enables merchants to accept card-present, card-not-present, real-time NPP bank payments, and Pay by Link transactions. The company also provides a white-label PAYFAC partner program for ISOs, SaaS platforms, and merchant aggregators, plus an AI-powered merchant intelligence dashboard. SoftPOS capability (turning compatible Android devices into payment terminals) is scheduled to launch in June 2026.
Product overview
UrPay is a unified acquirer-agnostic omni-channel payments platform built in Brisbane for Australian and New Zealand merchants. The platform operates across four core channels: Card Present (in-person Android terminal payments), Online & eCommerce (API and hosted pages), NPP & Pay by Link (Australian real-time bank payments), and an AI Merchant Dashboard (analytics and routing optimisation). These channels are unified through a single platform architecture with multi-switch redundancy, least-cost routing, and PAYFAC licensing. The company also offers a White-Label PAYFAC program for partners wanting to embed payments under their own brand, and SoftPOS (launching June 2026) for mobile payment acceptance on Android devices. Settlement is T+1 across all channels with single consolidated reporting.
Differentiator
Problem solved
Functional benefit
Products and services
- UrPay Omni-Channel Payments Platform Core cloud-based payments platform that lets Australian merchants accept and manage card-present, card-not-present, NPP real-time bank payments and Pay by Link through a single integration, with AI-driven insights and white-label partner enablement.
- Card-Present (In-Store) Solution
- Online & eCommerce (Card-Not-Present) Solution
- NPP & Pay by Link
- AI Merchant Dashboard
- SoftPOS (Tap & Pay on Android)
- White-Label PAYFAC Partner Program
Quantifiable outcome
- Most merchants save 0.2–0.6% per transaction versus their existing rates after switching to UrPay.
- +2 more outcomes
Companies that use UrPay
Customer profileNamed customers3 records
Segments6 records
UrPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature10 records
UrPay partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
UrPay competitors and assessment
Company assessmentDirect peers
- Fat Zebra: Australia-based payment gateway and processor serving SMB and enterprise with card-present and CNP rails plus NPP support. Closely matches UrPay's acquirer-agnostic and omni-channel positioning.
- Pin Payments: Australian payment gateway and processor serving SMB and mid-market merchants with online card-present and CNP acceptance. Directly comparable omni-channel and developer-first positioning.
- Zeller: Australian fintech offering EFTPOS terminals, online payments, and business banking aimed at SMBs. Competes head-to-head with UrPay in AU hospitality and retail with comparable scale and funding.
- Tyro Payments: Australian-listed (formerly) acquirer and SMB-focused EFTPOS provider, deeply embedded in hospitality and retail. Closest direct competitor to UrPay in the AU SMB omni-channel payments space.
- Mint Payments: Australian-listed payment technology company offering EFTPOS, mobile, and online acquiring solutions. Directly competes in AU hospitality and retail with comparable omnichannel approach.
- eWAY: Australian payment gateway (owned by Global Payments) offering online, in-person, and mobile payment acceptance to AU merchants. A direct AU market peer with broader parent backing.
Broad incumbents
- Stripe: Global payment processing incumbent with significant AU/NZ merchant footprint. Competes most directly with UrPay's online and developer-first rails, though much broader in scale and geography.
- Adyen: Global enterprise payment platform with growing AU/NZ presence. Competes with UrPay for enterprise and high-volume merchants via unified omni-channel processing.
- Block (Square): Global POS and payments incumbent (Square, Afterpay, Cash App). Overlaps with UrPay in AU SMB card-present, online, and increasingly SoftPOS, though at vastly larger scale.
Emerging players
- Airwallex: Australian-headquartered fintech expanding into merchant payments and acquiring. An emerging AU peer with payments infrastructure ambitions and substantially greater capital backing.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
UrPay compliance and trust
Trust signalCompliance1 record
UrPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
UrPay leadership team
Management profileNumber of profiles
UrPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UrPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UrPay
What does UrPay do?
UrPay Technologies Pty Ltd operates an acquirer-agnostic, omni-channel payments platform that enables merchants to accept card-present, card-not-present, real-time NPP bank payments, and Pay by Link transactions. The company also provides a white-label PAYFAC partner program for ISOs, SaaS platforms, and merchant aggregators, plus an AI-powered merchant intelligence dashboard. SoftPOS capability (turning compatible Android devices into payment terminals) is scheduled to launch in June 2026.
Is UrPay a public or private company?
UrPay is a private company. It is classified as unknown and is currently operating.
When was UrPay founded?
UrPay was founded in 2021. It employs 1 to 10 people.
Where is UrPay based?
UrPay is headquartered in Fassifern Valley, Australia, in the Oceania region.
How does UrPay make money?
Two revenue lines are on record. Transaction processing fees are the primary driver. The others are partner revenue share.
Who are UrPay's main competitors?
Direct peers on record are Fat Zebra, Pin Payments, Zeller, Tyro Payments, Mint Payments and eWAY. Broad incumbents are Stripe, Adyen and Block (Square). Airwallex is listed as an emerging player.
Does UrPay have an API?
Yes. RESTful API enabling developers to initiate payments, retrieve transaction data, manage tokenised cards, manage webhooks, and build custom payment flows. Available to approved partners with sandbox access, HMAC authentication, idempotency keys, and JSON responses. Single integration covers card present, card not present, NPP, and Pay by Link channels. Developer documentation is at www.urpay.com.au/integrations.
What industry is UrPay in?
UrPay's product category is Payment Processing Software. Its primary akta.pro industry code is FSAMABAB, Merchant Acquiring Banks & ISO/MSP Acquirers, with a secondary code of FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure.