youPay Enterprise · Payment orchestration

Every channel.
Every scheme.
One platform.

youPay is a full-stack payment orchestrator — gateway, fraud engine, routing engine, settlement engine, dispute manager and reconciliation ledger — all in one cloud-native platform. One integration. Every channel. PCI Level 1 from day one.

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POST /v1/payments · production 
$ curl -X POST api.youpay.io/v1/payments \
  --data '{
    "amount": 24750,
    "currency": "AED",
    "channel": "card_present",
    "outlet_id": "dxb_mall_042"
  }'

// response · 182ms
{
  "id": "pay_7a2f...",
  "status": "approved",
  "route": "visa · issuer_1",
  "fraud_score": 0.02,
  "latency_ms": 182,
  "settlement": "T+0"
}
99.999%
Uptime SLA
Active-active across availability zones. RPO < 1 min. RTO < 5 min.
<200ms
Auth latency (p99)
Sub-200ms authorisation. ML fraud scoring under 50ms. Routing under 5ms.
>98%
Auto-match rate
4-way reconciliation across transaction, processor, scheme, and bank ledgers.
9+
Live markets
Multi-currency, multi-scheme settlement across MENA, South Asia, Africa.
Six channels · one engine

CP, CNP, Wallet, QR,
Pay-by-Link & SVA.

Every enterprise acceptance channel through one fraud layer, one routing brain, one settlement engine, one reconciliation ledger. Add channels; don't add integrations.

01Card Present
POS & SoftPOS acceptance with EMV chip-and-PIN, contactless, and NFC. Tap-to-pay on any smartphone via SoftPOS SDK.
EMVNFCSoftPOS
02Card Not Present
Hosted checkout, S2S API, iFrame embedded. Full 3DS2 with frictionless SCA. Network tokens via VTS & MDES.
HostedAPI3DS2
03Wallets
Apple Pay, Google Pay, Samsung Pay, and every domestic wallet in every market you operate. One integration.
Apple PayGoogle PayDomestic
04QR + SoundBox
EMVCo QR accepting every in-country wallet, bank app, and domestic QR scheme. Y10 / Y10D SoundBox — 105dB audio confirmation in < 3s.
EMVCoy10 / y10D105dB
05Pay-by-Link
Single-use or reusable payment links via SMS, WhatsApp, email, and social DM. Great for CNP invoicing at scale.
SMSWhatsAppSocial
06Stored Value (SVA)
Closed-loop wallets with top-up, spend, and refund. Native ledger. Merchant-controlled loyalty currency.
Closed-loopTop-upLedger
Architecture

One integration.
Six engines behind it.

Add a REST endpoint to your merchant. Everything below is our problem: gateway, fraud, routing, disputes, settlement, reconciliation. You get one dashboard.

Merchant surfaces
POS · SoftPOS Web · App Wallet SDK QR + SoundBox Pay-by-Link SVA
Gateway · fraud · 3DS
PCI L1 vault ML fraud < 50ms 3DS2 frictionless Network tokens (VTS · MDES)
Routing engine
BIN / MCC routing Cost optimisation Health-aware failover < 5ms decision
Settlement · disputes
Multi-currency T+N Auto FX Visa CE3.0 · MC ADC Evidence assembly
Reconciliation ledger
4-way match > 98% auto-match Manual queue Data warehouse export
Enterprise capabilities

Built for high-volume,
low-tolerance workloads.

Every capability designed for enterprise merchants: multi-outlet retail, omnichannel commerce, and complex multi-market operators.

RT

Intelligent routing

BIN / MCC / cost / performance routing with health-aware failover. Sub-5ms decision time. Reduce cost of acceptance.

  • Cost-based routing
  • Performance-based routing
  • Health-aware failover
  • Cascade & retry logic
FR

Fraud & risk

ML fraud scoring under 50ms. XGBoost / GBDT models. Velocity, device, behavioural, network-token signals.

  • Inline ML scoring
  • Rule + score hybrid
  • Velocity & device profiling
  • Case management console
DP

Dispute automation

End-to-end chargeback automation. Evidence assembly. Representment for Visa CE3.0 & MC ADC.

  • Auto evidence pack
  • Representment workflow
  • Analytics on win rate
  • API + dashboard
RC

4-Way reconciliation

Auto-match across transaction, processor, scheme, and bank ledgers. Above 98% auto-match. Warehouse export.

  • Daily matching runs
  • Manual queue for exceptions
  • Warehouse + BI export
  • Custom rule engine
TX

Tokenisation

PCI-scoped vault. VTS & MDES network tokens. Card-on-file, MITs, and token portability across processors.

  • Network tokens
  • MIT flows
  • One-click repeat
  • Portability across PSPs
HA

Resilience

99.999% uptime SLA. Active-active across availability zones. RPO under 1 min. RTO under 5 min.

  • Active-active multi-AZ
  • RPO < 1 min · RTO < 5 min
  • Blue/green deploys
  • Chaos engineering
Certifications & compliance

Enterprise-grade,
audited annually.

Everything an enterprise procurement team asks for — from acquiring compliance to data residency to right-to-audit clauses.

PCI DSS L1
EMVCo
PSD2 · SCA
GDPR ready
ISO 27001
SOC 2 Type II
Enterprise · procurement-ready

One integration.
Every channel.
One dashboard.

Book a technical demo with our solution architects. We'll walk through architecture, SLAs, commercials, and market coverage.

Book a demo Request whitepaper
What a demo covers
  • Architecture walkthrough
  • Latency + uptime + DR posture
  • Fraud + routing configuration
  • Multi-market settlement
  • Commercials + SLA terms
  • Right-to-audit + data residency