UrPay

Payment Processing Softwareurpay.com.au

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

Payment gateway services
Omni-channel payments
Payment processing platform
White-label PAYFAC
Acquirer-agnostic payments

Where UrPay is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers3 records

Segments6 records

UrPay technology and API

Technology

Technology 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 signal

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

UrPay competitors and assessment

Company assessment

Direct 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 signal

Compliance1 record

UrPay financial estimates

Financial estimate

Revenue estimate

Valuation estimate

UrPay leadership team

Management profile

Number of profiles

UrPay funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

UrPay M&A and investment

M&A and investment

M&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?

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.