What Yuno does

Yuno is a global payment orchestration platform founded in 2022 by former Rappi executives, including co-founder and CEO Juan Pablo Ortega, and headquartered in Bogotá, Colombia with a global headquarters in New York. The company's core product is a unified API that connects merchants to over 1,000 payment methods, 60+ payment service providers, and fraud solutions across 200 countries, enabling intelligent routing, localized checkout, payouts, subscriptions, reconciliation, stablecoin acceptance, and risk management through a modular platform. Supporting product modules include Smart Routing (AI-driven dynamic routing with up to 7% approval-rate uplift), NOVA AI (analytics layer), Agentic Commerce (AI-agent sales channels), and the autonomously-acting Payments Concierge AI agent that monitors payment operations via WhatsApp, Telegram, WeChat, and Slack. Multiple legal entities operate across Colombia, the United States (Delaware), Mexico, Singapore, and Saudi Arabia (Yuno Payments Arabia), with regulatory certifications including SAMA Payment Technical Service Provider, Visa Service Provider, ISO 27001, ISO 27701, PCI DSS, SOC 2 Type 2, and GDPR compliance.

Yuno generates revenue primarily through transaction-based fees on payment orchestration services, complemented by API access and subscription-like arrangements, and additional processing fees from stablecoin payment transactions routed through partners including Triple-A, BVNK, Conduit, and Crypto.com. Pricing is quote-based and custom for enterprise merchants; there is no publicly disclosed rate card. The go-to-market is API-first combined with an enterprise field sales motion focused on global enterprises, supplemented by a referral partner program with revenue share. Marquee customers across retail/e-commerce, travel, mobility, gaming, and crypto include McDonald's, Ant Group, NetEase Games, GoFundMe, inDrive, Garena, Rappi, Copa Airlines, Carrefour, Viva Aerobus, Livelo, Whop, Despegar, Kavak, and Hotmart.

The business has scaled from a $10M seed round in March 2022 (Andreessen Horowitz, Kaszek, Monashees, Tiger Global) to a $25M Series A in March 2024 (DST Global lead, with a16z, Kaszek, Monashees, Newtopia VC, Tiger Global), reaching $149.8M ARR and a $449.5M valuation by 2025. 2026 has been an aggressive expansion year, with the company closing partnerships with Onafriq (Pan-Africa), Tabby (MENA BNPL), Tap Payments (MENA), HitPay (APAC), dLocal (emerging markets), and a stablecoin stack anchored by BVNK, Triple-A, Conduit, and Crypto.com, alongside the SAMA license in Saudi Arabia and product launches of Agentic Commerce and Payments Concierge.

Name

Yuno

Legal name

Yuno USA LLC

Website

https://y.uno

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

101–250 employees

Short description

Yuno is a global payment orchestration platform, founded in 2022 by former Rappi executives, that connects enterprises to 1,000+ payment methods and 60+ PSPs across 200 countries through a single API for routing, fraud, and acceptance. Its modular products include Smart Routing, NOVA AI, Agentic Commerce, and the autonomous Payments Concierge AI agent.

Ownership category

akta.pro rank

Product category

Payment Orchestration / Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB), Payment Gateways & Orchestration (BPAMAFAA), Payment Orchestration, Routing & Smart Transaction Management (Crypto) (FSADAIAJ)

Keywords

• Payment orchestration
• Global payment processing
• Cross-border payments
• Payment infrastructure
• Fraud prevention

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure

Revenue model

1. Payment Orchestration Services: Revenue generated from payment orchestration services enabling merchants to connect to multiple payment methods, processors, and fraud solutions through a single API. The platform charges based on transaction volume processed through its network.
2. API Access and Integration: Revenue from providing API access to payment infrastructure including routing, reconciliation, and subscription management capabilities
3. Stablecoin Payment Processing: Processing fees from stablecoin payment transactions integrated through partnerships with Triple-A, BVNK, Conduit, and Crypto.com

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Yuno provides a global payment orchestration platform that connects businesses to over 1,000 payment methods, payment service providers, and fraud prevention systems through a single API across 200 countries. The platform offers Smart Routing for dynamic payment routing, customizable checkout, global payouts, subscription management, automated reconciliation, and stablecoin orchestration. Its AI capabilities include NOVA AI, Agentic Commerce, and the Payments Concierge AI agent for 24/7 payment performance monitoring and optimization, primarily serving enterprise merchants in retail/e-commerce, travel, mobility, gaming, crypto, telecom, and SaaS.

Product overview

Yuno is a global financial infrastructure platform offering a modular payment orchestration system. The core Orchestration platform connects businesses to over 1,000 payment methods, processors, and fraud solutions worldwide through a single API. The product portfolio includes Checkout Builder for customizable checkout experiences, Smart Routing for AI-powered dynamic payment routing, Payouts for global disbursements, and Subscriptions for recurring billing. Supporting modules include Reconciliations for automated post-transaction accounting, Stablecoins for cryptocurrency payment acceptance, Analytics & Insights for real-time payment intelligence, and Monitors for performance tracking. The AI layer includes NOVA AI for intelligent automation, Agentic Commerce for AI-driven shopping integration, and Payments Concierge - an always-on AI agent for payment operations monitoring and optimization. Risk & compliance modules cover Risk Conditions, 3DS authentication, Chargeback Management, and Token Vault for secure data handling. Yuno supports enterprises across retail/e-commerce, travel, mobility, gaming, telecommunications, crypto, and SaaS industries.

Differentiator

Problem solved

Functional benefit

Brands

• Payments Concierge: AI-powered agent for 24/7 payment performance monitoring and optimization
• NOVA AI
• Agentic Commerce

Products and services

• Payment Orchestration Platform Central payment orchestration platform that connects businesses to over 1,000 payment methods, processors, and fraud solutions worldwide through a single API, enabling intelligent routing, reconciliation, and global payment acceptance for enterprise merchants.
• Stablecoin Orchestration Enables merchants to accept and process stablecoin payments alongside traditional payment methods through a single API, supporting cross-border use cases and fiat/stablecoin conversion.
• Agentic Commerce Platform enabling merchants to activate sales through AI agents and convert AI-driven shopping interactions into measurable revenue, with real-time dashboards tracking sales across AI commerce channels.
• Global Payouts Global disbursement service enabling businesses to send payments to customers, suppliers, or partners across multiple regions and payment methods.
• Subscription Management Subscription management capabilities supporting recurring billing, multi-market payment support, and intelligent routing to maximize subscription revenue and reduce churn.

Quantifiable outcome

• 7% uplift in approval rates for clients using Smart Routing
• +4 more outcomes

Named customers15 records

Segments7 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration40 records

AI capability7 records

Feature8 records

Partnerships

Nine partnerships are on record, tiered core and flagship.

• Crypto.comcoreTechnology or Integration · 12 June 2026Integration of Crypto.com Pay into Yuno's global payment network, enabling over 1,000 merchant channels to accept cryptocurrency payments from Crypto.com's 140 million customers without additional consumer fees. Yuno merchants across 300,000 UK shops benefit from protection against crypto price fluctuations.
• OnafriqcoreTechnology or Integration · 9 June 2026Strategic partnership integrating Onafriq's Pan-African payments network into Yuno's orchestration platform, providing instant access to 43 African markets, nearly 1 billion mobile wallets, 500 million bank accounts, and 2,000 cross-border payment corridors via single API. Live in Egypt, Ghana, Kenya, Nigeria, Cameroon, Côte d'Ivoire, and Uganda.
• TabbycoreTechnology or Integration · 16 May 2026Partnership to offer Tabby's interest-free 'Pay in 4' BNPL payment option to Yuno merchants across Saudi Arabia and UAE. Tabby commands approximately two-thirds of MENA BNPL market with over 25 million registered users and $17 billion in annualized transaction volume.
• Triple-AcoreTechnology or Integration · 7 May 2026Integration of regulated stablecoin payment infrastructure into Yuno's global payment orchestration platform, enabling merchants to accept stablecoin payments through single API alongside traditional methods. Triple-A supports over 1,000 enterprise clients and 700 million digital currency users globally.
• MastercardflagshipStrategic or Co-development Partner · 16 March 2026Mauricio Schwartzmann, former Mastercard executive, joined Yuno as Chief Banking and Financial Institutions Officer to lead global strategy and partnerships with banks, card networks, and financial institutions for agentic commerce expansion.
• ConduitcoreTechnology or Integration · 3 March 2026Partnership to enable stablecoin-based international payments at scale through single API. Offers settlement times of 15-20 minutes and significantly lower costs compared to traditional SWIFT transfers, with virtual USD, EUR, and GBP accounts for non-US and non-EU companies.
• BVNKcoreTechnology or Integration · 12 February 2026Partnership to enable stablecoin payment capabilities for merchants worldwide, allowing Yuno merchants to accept and process stablecoin transactions alongside traditional payment methods through unified global payments platform without separate crypto expertise.
• Tap PaymentscoreTechnology or Integration · 2 February 2026Strategic partnership announced at Web Summit Qatar to simplify enterprise payment expansion across MENA region. Yuno's enterprise merchants gain access to Tap Payments' GCC payment infrastructure and over 20 local and global payment methods.
• Crypto.comcoreTechnology or Integration · 27 January 2026Integration enables merchants on Yuno's network of over 1,000 payment methods to accept cryptocurrency payments from Crypto.com's global user base of more than 140 million customers with real-time settlement and pricing.

Scale indicators10 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Primer: Primer is a payment orchestration platform offering unified API access to PSPs, fraud tools, and routing optimization for enterprise merchants globally. Directly comparable to Yuno in core product (multi-PSP orchestration, smart routing, no-code integrations) and target customer (mid-market to enterprise).
• Gr4vy: Gr4vy is a cloud-native payment orchestration platform enabling merchants to route transactions across PSPs via a single API. Closely matches Yuno's orchestration architecture and enterprise merchant target, though with a more EMEA/U.S. focus.
• Spreedly: Spreedly operates a Payments Orchestration Platform connecting merchants to multiple payment gateways with vaulting, routing, and reconciliation. Directly comparable in API-first orchestration model, fraud/3DS orchestration, and subscription support—though with a more established North American base than Yuno.
• dLocal: dLocal is a cross-border payment processor focused on emerging markets (LATAM, APAC, Africa, MENA). Comparable to Yuno as both have an explicit emerging-markets focus, regional PSP integrations, and stablecoin ambitions; dLocal is also an explicit Yuno integration partner.
• EBANX: EBANX is a LATAM-focused cross-border payment platform offering local payment methods across Brazil, Mexico, Argentina, and other regional markets. Highly comparable to Yuno on the LATAM vertical (Yuno references EBANX as an integration) and enterprise merchant expansion use case.
• Nuvei: Nuvei is a global payment technology platform offering acquiring, orchestration, fraud, and banking-as-a-service to enterprise merchants across verticals. Comparable to Yuno on global orchestration, smart routing, and a broad enterprise merchant base, though broader in scope (acquirer + orchestrator).
• CellPoint Digital: CellPoint Digital provides payment orchestration and optimization with a particular focus on travel and airline verticals. Directly comparable to Yuno's Travel segment (Copa Airlines, Viva Aerobus, Despegar) on multi-PSP orchestration, smart routing, and currency optimization for complex global merchants.

Broad incumbents

• Adyen: Adyen is a global payments processor offering unified acquiring, processing, and increasingly orchestration capabilities to enterprise merchants. A broad incumbent rather than a direct match—Yuno integrates Adyen as one of its PSPs, but Adyen serves as both a partner and indirect competitor as it extends orchestration features.
• Stripe: Stripe is a leading global payment processor with an API-first platform increasingly expanding into multi-region methods, smart routing via Stripe Apps, and embedded finance. Both a Yuno integration partner and a broad incumbent whose evolving orchestration features create competitive overlap for Yuno's enterprise customers.
• Checkout.com: Checkout.com is a global digital payments processor serving enterprise merchants with acquiring, processing, and increasingly orchestration-enabled capabilities across multiple regions. Comparable to Yuno at the incumbent layer—also a Yuno integration partner—competing for the same enterprise orchestration RFPs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@yunopayments
• LinkedInlinkedin.com/company/yunopay

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 records

Funding overview

Funding rounds3 records

Investors25 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Yuno