Income-based pricing · Australia
You should never
have to ask for
the cheaper price.
Verify your income once. From then on your discount comes off automatically at every shop in the network — no coupon to hand over, no code to read out, nothing for the person behind you in the queue to overhear.
- Free, always
- No credit check
- Revoke your bank link anytime
This morning, in Newtown
Cornerstone Coffee
Nothing on the merchant's copy
mentions your income.
The cashier rang up an ordinary $12.50 sale and moved on to the next person.
People in the network
8
Verified and unverified
Shops accepting it
5
Across 5 suburbs
Payments taken
69
Every one priced by the table below
Given back to customers
$133.79
Funded by merchants, not other customers
These four figures are counted from the live database on every page load. FairPinch is a working prototype, so they are small — but they are real.
Three steps, once
You do the work once. The discount happens forever after.
-
01
Verify your income
Connect your bank through Wych — read-only, on your bank's own site, revocable — or upload a payslip and let us read it. Either way it takes a few minutes and you only do it once.
About 3 minutes
-
02
Attach a card
Your card is tokenised by Pinch and stored there, not here. FairPinch never sees the number. This is the card the discounted amount comes out of.
About 30 seconds
-
03
Tap at any shop in the network
Scan the counter QR, type the amount on the till, pay. The tier you are in comes off before the charge is made. You get a receipt showing every line of the maths.
Every time, automatically
One counter, one morning
Three people. The same coffee.
Three prices. Nobody looked up.
Same shop, same order, same three minutes. The only thing that differed was what each of them earns — and the only place that showed up was on their own phone.
Cornerstone Coffee
Cornerstone Coffee
Cornerstone Coffee
An illustration of one order priced at three points on the table below. The percentages, the bands and the arithmetic are the live ones this site is running on.
The whole rulebook
One table. No scores, no discretion, no haggling.
Your verified annual income puts you in a band, and the band carries a fixed percentage. It is the same table for every customer and every shop in the country, and it is published here because a rule you cannot read is not a rule.
Discount tiers
Live from the database| Tier | Verified annual income | Discount | A $12.50 coffee costs |
|---|---|---|---|
| Getting by | Under $30,000 | 10% | $11.25 |
| Stretched | $30,000–$45,000 | 7.5% | $11.56 |
| Steady | $45,000–$60,000 | 5% | $11.87 |
| Comfortable | $60,000–$80,000 | 2.5% | $12.19 |
| Full price | Over $80,000 | 0% | $12.50 |
Bands include their lower figure and stop below their upper one, so $30,000 falls in exactly one tier.
Where it works today
Independent shops, in real suburbs, taking it at the counter.
See all 5-
Blunt & Blade Barbers
Barber or salon · Brunswick, VIC
Walk-in cuts, hot towel shaves, no appointment nonsense.
-
Cornerstone Coffee
Café or coffee · Newtown, NSW
Single-origin filter, sourdough toasties and the best banana bread on King Street.
-
Harvest Lane Grocer
Grocer or food retail · Prospect, SA
Independent greengrocer. Local produce, bulk pantry, refill station.
-
Iron Fig Gym
Gym or fitness · Fortitude Valley, QLD
Barbell-first strength gym. Casual visits welcome, no lock-in contracts.
-
Little Rivers Bakehouse
Bakery · Hobart, TAS
Sourdough, scrolls and pies baked overnight.
The part people ask about
The shop pays for it, and it is the cheapest customer they will buy all week.
Shops already spend money on discounting. Happy hours, loyalty cards, half-price Tuesdays, a stack of flyers nobody reads. Almost all of it goes to people who would have walked in and paid full price anyway.
FairPinch points the same money at someone who genuinely could not otherwise afford to walk in, and it only spends a cent when that person actually buys something. There is no upfront cost, no media spend and no campaign to run.
On the $12.50 coffee above, the shop gave up $1.31 — the discount plus our 0.5% platform fee — to serve a regular they would not otherwise have had.
The merchant's side of that receipt
Same saleSettlement · Cornerstone Coffee
- Cost of that customer
- $1.31
- Cost if they never come
- $0.00
- Is my banking data safe?
- You authorise a read-only connection on your own bank's website, through an accredited Consumer Data Right recipient. We never see your banking login, we cannot move money, and you can revoke it in one click.
- Does the cashier know?
- No. You pay on your own phone by scanning the counter QR. The shop sees an ordinary sale at the ordinary price. Nothing about your income appears anywhere on their side.
- Is this a loan or a buy-now-pay-later thing?
- No. Nothing is lent, nothing is fronted, there is no interest and no late fee. You simply pay less, out of your own account, at the time of purchase.
Signing up takes less time than the queue you are standing in.
Create an account, verify your income, attach a card. Then never think about it again — the price is just the price.
Already have an account? Sign in