FINANCIAL SERVICES

Payments
infrastructure
for banks, PSPs
& wallets.

Oneintegrationto460+providers,1,000+paymentmethodsand190+countries.Runningunderyourbrand,ontopofthestackyoualreadyhave.

Our capabilities Book a free consultation

PCI DSSISO 27701ISO 27001SOC 2

0+Integrations

0+Payment methods

0+Countries

0+Currencies

THE VALUE

Own the layer

Run the payments control plane under your own brand. You keep the customer, the data and the economics.

Expand without building

Add methods, markets and an AI layer through one integration. No new build, no new team.

Live in 6–12 weeks

Proven infrastructure on top of the systems you already run. No core replacement, no 18-month project.

WHO IT'S FOR

Banks,
PSPs,
wallets.
One
integration
problem,
three
ways.

The gap looks different in each case. It closes through the same layer.

Banks & acquirers

Keep the customer, the brand and the balance sheet. Yuno powers the rails underneath. White-label, non-custodial, live in 6–12 weeks.

PSPs & processors

Add methods, regions and an agent layer without building them. Yuno sits above the processors you already run. We expand your stack, we never compete for your merchants.

Wallets & APMs

Get accepted everywhere and connect to every processor you need. One integration, new markets in weeks.

THE CHALLENGE

Compete
where
it
counts.

Global fintechs move fast. They offer merchants unified APIs, intelligent routing, and rapid deployment of new capabilities. Yuno gives banks and acquirers the same technology, built to work with your existing systems, not replace them.

50%+Of global acquiring now controlled by non-bank PSPs

Merchant acquiring under threat

Non-bank PSPs now control over half the global acquiring market. Merchants are switching to fintechs for cost, speed, and reliability, yet most would return if their bank could match the experience.

67ptPerformance gap between top-tier and other banks

Data rich, insight poor

Leading banks leverage AI and dynamic orchestration at scale. Most others do not, creating a widening performance gap. A massive modernization opportunity sits on the table.

500+Local payment methods handling 58% of e-commerce

Ecosystem fragmentation

Banks manage dozens of payment integrations, with the majority of IT budgets going to maintenance. Local payment methods keep growing, and integrating them one by one is no longer viable.

40%Of merchants would switch provider for a better experience

The switching risk

Merchants move for cost, speed and coverage, and new entrants have spent years making those easy to find. Most would stay if their existing provider matched the experience.

THE SOLUTION

One
technology
layer.
Three
strategic
pillars.

Yuno is the AI-native operating system of global payments and financial services, powering the financial infrastructure of enterprise merchants, banks, and wallets. Yuno sits behind the bank as an invisible technology layer. You retain brand, acquiring license, settlement, and merchant relationships. We provide the technology and data infrastructure.

1,000+Payment methods across every channel

Payment technology

Modern API infrastructure for online e-commerce, POS multi-method, and bank-as-payfac, built to evolve with emerging agent-initiated payment protocols.

20–30%Relationship manager productivity lift

Intelligent agents

AI-powered agents deployed in your environment via MCP connectors. RM productivity up 20–30%. Real-time portfolio dashboards. Reconciliation and chargeback automation.

2–4 weeksPer integration, from months of legacy work

Integration as a service

The middleware layer connecting banks to risk, lending, loyalty, ERP, KYC, and core banking. 5–15 separate integrations reduced to 2–4 weeks each.

HOW IT WORKS

From first call to live transactions.

A structured process from the first conversation to production. Our team guides you through discovery, integration, launch, and continuous optimization, so your bank ships faster and evolves with the platform. Technical integration in as few as 8 weeks.

Discover

Map your payment landscape
Identify optimization opportunities
Define integration scope

Technical integration in as few as 8 weeks

Step 01
Discover
- Map your payment landscape
- Identify optimization opportunities
- Define integration scope
Step 02
Integrate
- Single API integration
- White-label configuration
- Payment method activation
Step 03
Launch
- Go live with your merchants
- Real-time monitoring enabled
- Smart routing activated
Step 04
Optimize
- AI-driven insights unlock value
- Expand payment method coverage
- Continuous performance gains

OUR CAPABILITIES

Five
capabilities
built
for
banks.

Building blocks

White-label e-commerce orchestration

Deploy a fully white-labeled payment orchestration platform for your merchants, domestic and cross-border. 1,000+ payment methods, intelligent routing, and real-time analytics, all under your brand.

1,000+Payment methods

+7–10%Auth rate lift

Smart routing
Cascade & retry
Merchant portal
ISO processing

POS orchestration & APM integration

Enable your merchants to accept all payment methods at point of sale: QR codes, wallets, cards, and local APMs. Critical for tourism-heavy and expat-dense markets like the Gulf.

Multi-methodQR, wallet, card

Real-timeCross-PSP routing

QR payments
Wallet APMs
Multi-currency
Multi-acquirer support
Offline fallback

Apple Tap to Pay on iPhone

Turn any mobile device into a payment terminal. Enable merchants to accept contactless payments without additional hardware, reducing onboarding friction and expanding your acquiring footprint into micro-merchants and field sales.

Zero HWNo terminal required

NFCTap-to-pay native

Mobile native
Contactless NFC
White-label SDK
Micro-merchant ready

Acceptance & distribution

Become a checkout option everywhere Yuno already is. One integration puts your wallet or payment method in front of 1,000+ merchants across 190+ countries.

1,000+Merchants

190+Countries

Merchant network
Checkout placement
Single integration
Global reach

Processor connectivity

Connect to the PSPs and acquirers you need through one integration. Start with one, scale to many. Live in weeks, with no new build per provider.

OneIntegration

EveryProcessor

460+ integrations
Smart routing
Failover
No per-provider build

White-label e-commerce orchestration

Deploy a fully white-labeled payment orchestration platform for your merchants, domestic and cross-border. 1,000+ payment methods, intelligent routing, and real-time analytics, all under your brand.

1,000+Payment methods

+7–10%Auth rate lift

Smart routing
Cascade & retry
Merchant portal
ISO processing

POS orchestration & APM integration

Enable your merchants to accept all payment methods at point of sale: QR codes, wallets, cards, and local APMs. Critical for tourism-heavy and expat-dense markets like the Gulf.

Multi-methodQR, wallet, card

Real-timeCross-PSP routing

QR payments
Wallet APMs
Multi-currency
Multi-acquirer support
Offline fallback

Apple Tap to Pay on iPhone

Zero HWNo terminal required

NFCTap-to-pay native

Mobile native
Contactless NFC
White-label SDK
Micro-merchant ready

Acceptance & distribution

Become a checkout option everywhere Yuno already is. One integration puts your wallet or payment method in front of 1,000+ merchants across 190+ countries.

1,000+Merchants

190+Countries

Merchant network
Checkout placement
Single integration
Global reach

Processor connectivity

Connect to the PSPs and acquirers you need through one integration. Start with one, scale to many. Live in weeks, with no new build per provider.

OneIntegration

EveryProcessor

460+ integrations
Smart routing
Failover
No per-provider build

THE TECHNOLOGY

Intelligent
routing.
One
integration.

Give your merchants access to a modern, fully white-labeled orchestration platform through your existing infrastructure. Connect them to global payment methods, smart routing, and optimized checkout, all under your brand, managed from a single integration.

Intelligent routing & optimization

Intelligent routing, A/B testing, and real-time performance optimization become part of your offering. Your merchants get the capabilities they expect from global players, delivered through you.

Data intelligence layer

Integrate AI agents directly into your infrastructure to give merchants access to conversational payment analytics, automated transaction recovery, and emerging commerce protocols.

Single-API infrastructure

A single API replaces dozens of integrations. The bank’s entire payment ecosystem, domestic rails, global schemes, digital wallets, BNPL, real-time payments, through one connection.

THE MODEL

Your

brand.

Our

technology.

The merchant never sees the word Yuno. The bank owns the client relationship, the data, and the strategy.

How white-label works

01BRAND

Your brand

DOCS

DASHBOARD

Total brand sovereignty

From API docs to the reconciliation dashboard, 100% white-labeled. Your brand at every touchpoint.

02CUSTODY

INSTRUCTIONS

FUNDS

MERCHANTACQUIRER

Non-custodial model

Yuno orchestrates payment instructions. Funds settle directly between merchant and acquirer. No money touches Yuno.

03SECURITY

CARD

••••••••••••9012

CARDHOLDERFULL NAME

EXP12/28

SENSITIVE

TOKEN

tok_9a4f7b2e3c8d1a5f0e4b

ENCRYPTED

Bank-grade security

PCI-DSS Level 1, SOC2 Type II, and ISO 27001 certified. Sensitive data tokenized instantly. Regional data residency options.

04RESILIENCE

TRANSACTION#TXN_9284

PSP A

IDLE

PSP B

IDLE

PSP C

IDLE

REROUTED IN0ms

50ms failover

When a PSP goes down, Yuno reroutes automatically. The merchant keeps selling. Your uptime stays protected.

FOR ACQUIRERS

Apple

Tap

Pay,

enabled

through

your

platform.

Yuno's partnership with Apple brings tap-on-phone capabilities to your merchant network. Any iPhone becomes a payment terminal, no additional hardware or separate integration.

A customer taps a card to a phone accepting a contactless payment

HardwareZero HW

No terminal required

ConnectivityNFC

Tap-to-pay native

01Contactless NFC
02No additional hardware
03iPhone as terminal
04Accepts cards & wallets
05White-label SDK

AI-POWERED COMMERCE

AI-powered

payment

intelligence.

Two dimensions of AI capability: agents that optimize your existing operations, and infrastructure that prepares you for the next era of agent-driven commerce.

Intelligent agents

AI agents that support payments

Deploy AI agents via MCP connectors. Automate reconciliation, chargebacks, and recovery. RMs get real-time dashboards and conversational analytics.

01RM productivity up 20–30%
02Real-time dashboards
03Chargeback automation
04Conversational analytics
05MCP connectors
06Transaction recovery

Agentic commerce

Building blocks for AI commerce

Authentication primitives for AI-initiated payments. Compatible with major emerging agent protocols and built to grow with the ecosystem.

01AI-initiated payments
02Multi-protocol auth
03Agent-to-agent commerce
04Trusted payment rails
05Compliance built in
06$3–5T McKinsey 2030 TAM

Compatible protocols & partnerships

VISA INTELLIGENT COMMERCE

GOOGLE AGENT COMMERCE

MASTERCARD AGENT PAY

+ EMERGING PROTOCOLS

AP2

SECURITY & COMPLIANCE

Banking-grade
infrastructure.

Designed for the security, compliance, and scale requirements of enterprise financial institutions.

PCI-DSS Level 1

Highest level of payment card industry security certification.

SOC2 Type II

Independently audited controls for security, availability, and confidentiality.

ISO 27001

International standard for information security management systems.

Data residency

Regional data storage options to meet local regulatory requirements.

Tokenization

Sensitive data tokenized instantly, never stored in raw form.

99.99% uptime

With 50ms automatic failover to keep every transaction flowing.

DISTRIBUTION

Or
be
the
brand
at
checkout.

A wallet is only as useful as the checkouts that accept it. One integration puts your brand in front of 1,000+ merchants across 190+ countries, plus local methods on day one when you enter a new market, with no local builds.

Merchant network access

1,000+ merchants reachable through one integration. No per-merchant negotiation, no per-merchant build.

New markets in weeks

Enter a market with local methods included from day one. No local build, no local team.

Always-on checkout

Smart routing and automatic failover keep you live even when a provider is not.

BUILD VS BUY

Build

months.

power

6–12

weeks.

Building payment infrastructure is eighteen months of engineering and a permanent maintenance bill. Powering it is one integration, your brand on top, and a stack that keeps expanding without you.

Build it yourself