Yuno

Yuno: a unified way to accept, optimize, and scale payments globally

Yuno is an orchestration-first platform that brings hundreds of local methods, smart routing, and built-in risk controls into one stack merchants can run through a single integration. Yuno positions itself as a global payment infrastructure that connects to more than 1,000 payment methods across 200+ countries, which speaks to coverage and local fit for cross-border commerce.

Why merchants consider Yuno

One integration for global coverage. Instead of stitching together multiple gateways and regional providers, Yuno lets you plug in once and enable the methods that convert in each market. It supports cards and a broad set of local options, including Apple Pay, Google Pay, iDEAL, Klarna, UPI, and Pix. That range is helpful if you sell in regions like Europe, India, or Brazil where non-card methods dominate.

Optimization built into the flow. Yuno’s Smart Routing analyzes each transaction and sends it through the best performing and most cost-efficient path based on your criteria. You can prioritize authorization rate, latency, or fees and define preferred providers per market. This is particularly valuable when you operate across multiple acquirers or need fallbacks and retries to rescue borderline approvals.

Risk and compliance inside the platform. Beyond 3D Secure support, Yuno offers no-code Risk Conditions so teams can build allowlists and blocklists, apply velocity limits, or selectively bypass extra checks for trusted users. For stored credentials and recurring use cases, its PCI-compliant Vault and tokenization services reduce card exposure while enabling one-click and subscription experiences.

Payins, payouts, subscriptions, and marketplace tools. Yuno is not only a checkout. It includes global payouts via a single API, subscription management for recurring billing, and split payments for marketplaces and platforms. That combination covers key operational needs for ecommerce, SaaS, and multi-party models.

Core capabilities merchants will use

1) Checkout and SDK options

Yuno provides multiple SDKs so you can choose the integration depth that matches your roadmap. A Full Web SDK mounts a unified checkout that presents available methods and handles the end-to-end flow with consistent UI. For teams that want more control, Lite and Seamless variants let you design your own method selector while still relying on Yuno for the heavy lifting, including asynchronous steps and 3DS redirects. Across all options, every payment begins with a checkout session created via API.

The Checkout Builder extends this with a no-code dashboard where product or growth teams can toggle payment methods by market, set display conditions, and adjust styling without shipping code. For quick wins or sales-assisted flows, Payment Links can be generated directly from the dashboard.

2) Smart routing, retries, and fallbacks

Routing logic is where orchestration pays off. Yuno allows merchants to define decisioning that balances conversion and cost. You can input provider fees to influence routing economics, send high-risk transactions through stricter flows, and automatically retry or fall back to alternate processors if an authorization fails. Yuno’s transaction model also records each leg of a payment so finance and support teams see exactly how a charge moved through the stack.

3) Risk controls and 3DS

With Risk Conditions, teams configure user lists, block by attributes like email or BIN, and set velocity rules that hold, allow, or challenge payments. 3D Secure is supported and Yuno has simplified the 3DS integration so device data collection and challenge handling happen through a streamlined flow in the SDKs or a single API redirect sequence. This reduces edge cases and integration complexity as regulations evolve.

4) Vault, tokenization, and stored credentials

For recurring and one-click experiences, Yuno issues one-time tokens at checkout and creates long-lived vaulted tokens when a payment method is enrolled. Its PCI-compliant Vault supports network tokenization and card account updates, which help improve approval rates and reduce churn from expired or reissued cards. The documentation also covers secure token export and migration for portability.

5) Subscriptions and billing automation

If you run subscriptions, Yuno’s subscription service and product module handle recurring charges, customized billing cycles, and failed payment recovery. This reduces the need for a separate billing tool and keeps payment data and retries in one place.

6) Payouts and marketplace support

Yuno’s payout API enables disbursements to banks, cards, and wallets depending on connected providers. Marketplaces can split a single customer payment among multiple recipients according to your business rules. That removes manual settlement complexity and speeds up onboarding for seller ecosystems.

Geography and coverage

A key part of Yuno’s pitch is reach. The platform claims access to 1,000+ global and local payment methods and availability in 200+ countries. Its documentation publishes country coverage tables and country codes used by the SDKs, which helps engineering teams configure the correct context for each checkout. If your roadmap includes Europe, Latin America, Middle East, or APAC, you can tailor the visible payment methods per market to match local preferences.

Developer experience and tooling

From a developer’s point of view, the building blocks are straightforward:

• Create a customer and a checkout session for every payment attempt

• Mount the SDK in Full, Lite, or Seamless mode and start the checkout

• Create a payment via API, handling asynchronous methods and challenges with continuePayment as needed

• Use webhooks and payment timelines for reconciliation and support

Yuno’s Connections area in the dashboard lists processors, payment methods, and fraud tools you can connect through a guided flow. This reduces the back-and-forth usually required to stand up additional acquirers or risk providers.

Security and compliance posture

Merchants handling stored credentials need strong controls. Yuno documents PCI-compliant vaulting, tokenization, and network tokens, plus guidance for token migration and export under PCI DSS requirements. Combined with 3DS and configurable risk rules, this lets teams raise security without unnecessary friction at checkout. Always verify your own PCI scope and responsibilities during integration.

Where Yuno fits best

• Cross-border ecommerce that needs to turn on local rails like Pix in Brazil, UPI in India, or iDEAL and Klarna in Europe without separate builds

• SaaS and subscriptions that benefit from vaulted tokens, account updater, and billing automation to reduce involuntary churn

• Marketplaces and platforms that require split settlements and the ability to orchestrate both payins and payouts from one console

• Optimization-minded teams that want to run A-B tests on payment methods, tweak routing for cost versus conversion, and apply granular no-code risk rules

Conclusion

Yuno is a modern payment orchestration platform that centralizes global methods, smart routing, fraud controls, vaulting, subscriptions, payouts, and marketplace features under one roof. For merchants expanding into new countries or optimizing legacy payment stacks, Yuno can simplify integrations while raising conversion and control. Its documented SDKs and dashboard tooling help product, engineering, and payments teams ship quickly, test what converts, and keep risk manageable.