Checkout Flow

How UniPay works for customers at your Shopify checkout — from selecting the payment method to order confirmation.

Customer experience overview

  1. Customer reaches the payment step. UniPay appears in the payment method list alongside any other active payment methods.
  2. Customer selects UniPay. The checkout shows the cart total converted to UNC, with your store currency displayed as a reference amount.
  3. Customer clicks "Pay now". Shopify redirects to the UniPay payment page showing a QR code and an app link.
  4. Customer pays via UniCash app. On desktop, they scan the QR code. On mobile, they tap the app link to open UniCash directly.
  5. Payment confirmed automatically. UniPay sends a webhook to your store. The Shopify order moves to Payment Captured and the customer sees the order confirmation page.

Desktop vs mobile

DevicePayment method
Desktop / laptop QR code — customer opens the UniCash app on their phone and scans the code on screen
Mobile (same device) App link — tapping "Open UniCash" launches the app directly with the payment pre-loaded
Mobile (different device) QR code — customer scans the screen QR with their phone's camera

UNC amount display

At checkout, UniPay shows the cart total in UNC with your store's currency displayed as a reference amount. For example:

Pay 45.20 UNC (≈ AUD 45.20)

The UNC amount is calculated at the time the payment page loads using the current rate from the UniPay rate feed. The rate is locked for the duration of the payment session. If the customer returns to cart and starts a new checkout, the rate is recalculated.

Payment expiry

Each payment session expires after 15 minutes. If the customer does not complete payment within this window:

  • The QR code becomes invalid
  • The Shopify order remains as Pending
  • The customer can return to cart and try again — a new payment session with a fresh QR code is generated

Order confirmation

When the customer confirms payment in the UniCash app:

  1. UniPay sends an HMAC-verified webhook to your Shopify store within seconds.
  2. The Shopify order status updates to Payment Captured automatically.
  3. The customer is redirected to the standard Shopify order confirmation page.
  4. Shopify sends the customer their order confirmation email as normal.

No manual action is required from you. If an order remains on Pending after the customer reports paying, see the Troubleshooting page.

Refunds

UniPay supports both full and partial refunds initiated from the Shopify admin.

  1. Open the order in your Shopify admin.
  2. Click Refund.
  3. Enter the amount to refund (full or partial).
  4. Click Refund to confirm. UniPay processes the refund to the customer's UniCash account.

Refunds are credited to the customer's UniCash account balance. The amount is deducted from your UniPay merchant balance.

Refund timing: Refunds are processed immediately and credited to the customer's account balance straight away. There is no holding period.

Merchant balance

Each successful payment adds the full UNC amount to your UniPay merchant balance. To transfer funds to your bank account, go to the Merchant Portal and request a payout. Payouts are processed by licensed banking partners at your Tier Service Rate.