youPay · Every channel, one platform

Accept payments
across every channel.

In-store, online, on your website, via WhatsApp, through a QR sticker, or at a self-service kiosk. Every scheme, every wallet, every rail — one gateway, one dashboard, one settlement. PCI Level 1 from day one.

Start free For enterprise →
24hr
Activation
<200ms
Auth latency
T+0
Settlement
youPay received
$247.50
✓ CONFIRMED · 105dB
QR scanned · y10D
Auth 182ms · PCI L1
T+0 · settling to bank
Multiple ways to get paid

Accept every payment,
everywhere your customer is.

Card-present at the counter, card-not-present on your website, a Pay-by-Link on WhatsApp, or a QR sticker on the table. One gateway. One dashboard. One settlement.

In-store · y1000 All-in-One POS

Tap, chip, or PIN.
Card in hand, done.

The y1000 all-in-one Android POS — 6.5" HD+ touchscreen, built-in 2" receipt printer, barcode scanner, EMV chip and contactless NFC. Bill on the floor, at the table, or at the counter. SoftPOS on any Android phone for pop-ups.

VISA
AMERICANEXPRESS
UNIONPAY
EMV chip + PIN Contactless NFC SoftPOS
Online · Website & App

Your website,
your checkout.

Drop-in hosted checkout, S2S API for full control, or a PCI-scoped iFrame that keeps you out of scope. Recurring billing and saved cards for one-click repeat purchases.

Pay
GooglePay
Discover
JCB
Hosted checkout S2S API iFrame 3DS2 · SCA Recurring & MIT
Social · Pay-by-Link

Send a link.
Get paid instantly.

Single-use or reusable payment links via WhatsApp, SMS, email, Instagram DM or Facebook Messenger. No website needed. Great for social sellers, invoicing, and delivery-on-demand.

WhatsApp
SMS
Email
Instagram
Single-use links Reusable links Invoice-on-link QR fallback
QR · Merchant QR + SoundBox

One QR sticker.
Every wallet in your market.

EMVCo QR accepts every in-country mobile wallet, bank app and domestic QR scheme. Pair with the y10 / y10D SoundBox for 105dB audio confirmation — never chase a customer to check.

EMVCo QR
Local wallets
Bank apps
y10 / y10D
Static QR Dynamic QR 105dB audio T+0 settlement
Every scheme, every market Global + domestic card schemes, wallets and QR rails — pre-integrated across 9+ markets.
VISA
AMERICANEXPRESS
UNIONPAY
JCB
Discover
Diners ClubINTERNATIONAL
Pay
GooglePay
Domestic QR
Local wallets
Enterprise engine · SMB priced

Six things you don't have to build.

Every part of the payment stack — gateway, fraud, routing, settlement, disputes, reconciliation — pre-built. One integration.

01

Gateway + fraud engine

PCI L1 gateway with inline ML fraud scoring in under 50ms. XGBoost / GBDT models tuned to your market.

Fraud < 50ms · PCI L1
02

Same-day settlement

T+0 net settlement into your existing bank. No new bank account, no acquiring paperwork.

T+0 · existing bank
03

Auto-reconciliation

Processor and scheme ledgers matched every day. Above 98% auto-match. Manual matches on your dashboard.

4-way match · daily
04

3DS2 + tokenisation

Frictionless SCA. Network tokens via VTS & MDES for saved cards, MITs, and portability.

3DS2 · VTS · MDES
05

Sub-200ms auth

Sub-200ms authorisation latency at p99. 99.999% uptime SLA. Active-active across availability zones.

99.999% uptime · <200ms
06

QR + SoundBox

Standalone wallet acceptance. One EMVCo QR, every wallet. 105dB audio confirmation in < 3 seconds.

y10 / y10D · 105dB
Pricing · start free, pay when you sell

One platform.
Three deployments.

Freemium is $0 forever with QR + wallet acceptance. Add cards when you're ready. One merchant ID, one dashboard, one settlement.

In-store
y1000 handheld
$189one-time
Includes 12 months Power software free
Online
Payment Gateway
$0activation
Includes 12 months Power software free
QR + SoundBox
y10D SoundBox
$35one-time
Includes Freemium software forever

Software tiers.

Cumulative — each tier includes everything below it. Power+ is a custom enterprise plan above Power.

Freemium
$0/ month
1 merchant ID · QR + wallets · no card acceptance
  • QR + wallet acceptance
  • 1 Merchant ID (MID)
  • Self-serve dashboard
  • PCI L1 security
  • T+0 to T+3 settlement
  • Standard support (email / chat)
Start free
Popular
Power
Per-txnMDR
Monthly platform fee waived above minimum volume
  • Everything in Freemium, plus:
  • + Card acceptance (Visa, Mastercard, Amex, domestic)
  • + Gateway (hosted, iFrame, S2S API)
  • + Pay-by-Link (SMS, WhatsApp, email)
  • + Tokenised mobile wallets
  • + 3DS2 + network tokens (VTS & MDES)
  • + Chargeback automation
  • + Named support · 4hr response
Get Power
Power+
Customenterprise
Multi-outlet retail · omnichannel · high-volume
  • Everything in Power, plus:
  • + Volume MDR (tiered)
  • + Intelligent routing (BIN / MCC / cost / performance)
  • + Multi-outlet reconciliation
  • + Multi-scheme, multi-currency
  • + 4-way reconciliation ledger
  • + Dedicated CSM · priority SLA
  • + Right-to-audit clauses
See Enterprise →
$
MDR rates · disclosed up front, debited at settlement

MDR rates vary by country, scheme, and card type — full rate card disclosed before activation. Debited per transaction at settlement. No setup fees. No long contracts.

* Price on request — varies by market & volume.
Add-ons available on every tier Bolt on any capability — sold separately, no re-integration. 10% off annual purchases.
youInsight · $7/mo youMarketing · $9/mo + per-msg youWorkflows · $12/mo youAccounts · $8/mo youLend · rev-share * 3DS2 + tokenisation · per-auth * Extra Merchant IDs * Chargeback specialist support *
24hr activation · No setup fees

Start accepting payments
across every channel.

No long contracts. No integration headaches. PCI L1 from day one. MDR debited per transaction at settlement.

Start free For enterprise →
What you get
  • Hosted checkout + Pay-by-Link
  • POS + SoftPOS + SoundBox
  • Merchant QR + local wallets
  • Recurring & saved cards
  • MDR only — no setup fees