FINANCIAL SERVICES

Payments
infrastructure
for banks, PSPs
& wallets.

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

Our capabilitiesBook a free consultation
PCI DSSISO 27701ISO 27001SOC 2
0+Integrations
0+Payment methods
0+Countries
0+Currencies
THE VALUE
01

Days, not quarters

New payment methods and markets activate by configuration. What used to be a per-provider project becomes a settings change.

02

The roadmap is ours

Tokenization, passkeys, agentic commerce protocols — you inherit them as they ship, without a backlog item for each one.

03

Never a competitor

We don't hold funds, don't own the merchant, don't appear at checkout. The only relationship we have is with you.

WHO IT'S FOR

Six
businesses.
One
integration
problem.

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

01

Acquiring: banks and non-banks

Acquiring banks, independent acquirers, facilitators. Losing the merchant relationship to PSPs, un-monetized data, limited method and market coverage.

02

Issuing: banks, neobanks and fintech issuers

Cardholder engagement and new revenue lines. ID&V with in-app biometrics, and a bank-owned payment button.

03

PSPs, gateways and aggregators

Payfacs, sub-acquirers and merchants of record. Commoditization pressure and a scale ceiling.

04

Switches, processors and clearing houses

Legacy technology, unable to offer modern capabilities to affiliated banks.

05

Wallets, APMs and super apps

Inconsistent acceptance, onboarding bottlenecks, volume not turned into intelligence.

06

Retailers and platforms with a financial arm

Routing across acquirers, closed-loop economics.

THE CHALLENGE

Your
roadmap
is
18
months
or
more.
The
market
moves
in
weeks.

Payments is moving faster than any institution can build. New methods, new rails, new authentication standards, new commerce protocols — each one arriving before the last integration is finished. Building in-house means shipping the market of eighteen months ago, permanently one cycle behind the players you're competing with.

40%Of merchants would switch provider
01

The switching risk

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

67ptPerformance gap between top-tier and other banks
02

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
03

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
04

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.

Yuno is the technology layer that closes that gap — the layer above your stack that lets you adopt what is next by configuration instead of by project. New methods activate in days. New markets open without a local build. Emerging standards arrive already supported, because keeping up with them is our roadmap, not yours.

1,000+Payment methods across every channel
01

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
02

Value added services

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
03

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.

OUR CAPABILITIES

Five
capabilities
built
for
banks.

01

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
+12%Approval uplift
  • Smart routing
  • Cascade & retry
  • Merchant portal
  • ISO processing
02

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
03

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
04

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
05

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
Background Paths
Background Paths
THE TECHNOLOGY

Intelligent
routing.
One
integration.

Give your customers 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.

01

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.

02

Data intelligence layer

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

03

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.

We never take the customer. Yuno is invisible by design — your brand, your relationship, your commercials, your economics. Our only business is the technology underneath.

01BRAND
Your brand
DOCS
DASHBOARD
Total brand sovereignty

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

02CUSTODY
Yuno
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.

NEW SOLUTION FOR YOUR PLATFORM
Tap
to
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.

  • 01Real-time dashboards
  • 02Chargeback automation
  • 03Conversational analytics
  • 04MCP connectors
  • 05Transaction 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

Bank-grade
infrastructure.

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

01

PCI-DSS Level 1

Highest level of payment card industry security certification.

02

SOC2 Type II

Independently audited controls for security, availability, and confidentiality.

03

ISO 27001

International standard for information security management systems.

04

Data residency

Regional data storage options to meet local regulatory requirements.

05

Tokenization

Sensitive data tokenized instantly, never stored in raw form.

06

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.

01

Merchant network access

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

02

New markets in weeks

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

03

Always-on checkout

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

BUILD VS BUY
Build
it
in
18
months.
Or
power
it
in
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

18 months. Every market.

Every provider is a new build. Every market a new team. And every year, a bigger maintenance bill you cannot walk away from.

  • 0118 months to launch
  • 0215–30 integrations
  • 0370–80% of budget on maintenance
  • 04A new team per market
Power it with Yuno

Weeks. One integration.

One layer, one team, one integration. Yuno powers your entire payments stack so you focus on your customers, not your infrastructure.

  • 01Live in 6–12 weeks
  • 02One integration
  • 03460+ providers
  • 04Your brand on top
GLOBAL REACH
Payments
technology
that
spans
the
globe.

— Local payment methods, regional PSPs, and compliance coverage across every market your merchants enter, orchestrated through a single platform.

North America

North America

Cards, ACH, and emerging real-time payment rails

Providers

60+

Countries

20+

Top providers

FOR FINANCIAL INSTITUTIONS
Your
last
payment
integration.

Talk with one of our payment experts.