uPay

uPay: What You Need To Know Before You Integrate

Choosing a payment partner in Israel means balancing fast settlement, flexible payment options, and practical tools like invoicing and reporting. uPay gives you a single system to accept card payments, send payment links by SMS, email, or WhatsApp, take bit payments, issue invoices at no extra cost, and track cash flow from a web dashboard and mobile apps. If you want an all-in-one, app-first solution for collecting in ILS and USD, uPay is worth a close look.

What Is uPay

uPay is an Israel-based payment platform that lets you process credit card transactions and receive funds directly to your bank account. The company positions the service around quick onboarding, app and web tools, and centralized cash-flow management for small and mid-sized businesses.

Core Payment Capabilities

• Card payments in one place: Charge cards from your browser or the mobile app. Features include card-on-file recurring charges, installments, credit transactions, and QR code requests.

• Payment links: Create and send links by SMS, email, or WhatsApp, then track status and trigger automatic receipts once paid. Useful when the customer is remote or paying after service.

• bit acceptance: Request a payment to the customer’s bit wallet by entering their phone number. Transactions appear next to your regular card processing in uPay’s interface.

• Tap on Phone: Contactless acceptance on Android devices is offered via a Tap-on-Phone service. Details are available on request.

• E-commerce modules and buttons: uPay provides modules for popular platforms such as WordPress, Joomla, and Magento, plus embeddable payment buttons and hosted pages.

• Reporting: Financial reports include transaction activity, deposits, bank transfer breakdowns, cancellations, and more, helping you analyze sales and reconciliation.

• Invoicing included: Issue digitally signed tax invoices automatically after payment, with no added fee for the invoicing service.

• Recurring billing: Set up standing instructions for recurring charges, define payment counts, pause or resume at any time, and send invoices automatically.

• Currencies: The interface highlights support for ILS and USD.

Pricing And Settlement

• Settlement timing: uPay states “payment within one business day,” which is valuable for working capital.

• Fee structure guidance: uPay indicates that ancillary tools (like invoicing and payment requests) are included without extra add-ons or commitments, and that you pay based on actual processing. If you do not process, you do not pay. This implies no fixed monthly fee.

• Promotional rate: The site advertises a 0.9% + VAT processing fee for new customers, currently specified as a promotion valid for “businesses from the envelope area” (regional criteria). Treat this as a targeted offer that may not apply to every merchant and verify eligibility and final commercial terms.

Security And Risk Controls

• 3D Secure support: uPay highlights 3D Secure as an added authentication step to reduce fraud and dispute risk for card-not-present payments.

• Transport and platform security: The security page details encrypted communications, isolated databases, continuous cyber monitoring, session timeouts, and operational practices for safer account access.

• Hosted payment experience: uPay’s hosted checkout indicates SSL encryption and references PCI on its payment form. Always confirm your PCI responsibilities for your integration model.

Integrations And Developer Options

• Hosted pages and buttons: Create hosted pages and payment buttons without custom code, suitable for landing pages and quick payment flows.

• E-commerce modules: Use ready-made modules for WordPress, Joomla, Magento, and other platforms to connect checkout flows to uPay.

• bit and QR requests: In addition to standard card acceptance, you can send bit requests and QR-based requests from uPay’s POS interface.

If you plan a custom integration and require API documentation, ask uPay for developer materials. The public site emphasizes modules and hosted tools rather than public API docs.

Invoicing, Reporting, And Back-Office

• Invoicing: Automated, digitally signed tax invoices at no extra cost. Delivery by email, SMS, or WhatsApp.

• Reports: Transactions, deposits, transfers to bank, cancellations, and more for reconciliation and forecasting.

• Recurring billing: Centralized management of standing orders, with customer-level tracking and collection forecasts.

Channels And Payment Methods

• Card-present and card-not-present: EMV guidance suggests support for chip, contactless, and PIN flows where relevant, plus digital wallets in EMV contexts. For online and remote payments, use links or hosted pages.

• bit wallet: Integrated into the same back-office as cards, so you reconcile everything in one place.

• Currencies: ILS and USD are highlighted in the interface. Confirm any other currencies with uPay.

Conclusion

uPay provides a complete, app-centric payment toolkit for Israeli merchants who want to unify card acceptance, bit, payment links, invoicing, reporting, and recurring billing. With one-day settlement and built-in 3D Secure and platform security practices, it is designed to reduce friction from charge to reconciliation.