UniPayment
UniPayment is a privately held hybrid payment infrastructure provider founded in 2019, processing cards, bank transfers, and cryptocurrency payments with real-time FX conversion and instant settlement for forex brokers, e-commerce merchants, gaming platforms, fintech firms, and PSPs globally.
- Company typePrivate
- Founded2019
- HeadquartersSingapore, Singapore
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What UniPayment does
UniPayment is a global hybrid payment infrastructure provider founded in 2019, operating as a crypto-fiat payment processor that bridges traditional card/bank rails with digital currency acceptance and settlement. The company is structured through two legal entities: UAB UniPayment in Lithuania, authorized as an EMI-Agent by the National Bank of Belgium for EEA payment services, and UniPayment Canada Inc., registered as a Money Services Business with FINTRAC in British Columbia for crypto-asset and remittance services. This split deliberately separates regulated payment intermediation from virtual currency activities.
The platform is built around three core products: a Payment Gateway supporting cards, digital currencies, and bank transfers with real-time FX conversion and instant settlement; a Multi-Currency Wallet managing fiat balances (USD, EUR, GBP, AUD) alongside stablecoins (USDC, USDT); and a Business Account providing access to SEPA, ACH, and SWIFT rails. Underlying capabilities include Smart Routing, Apple Pay and Google Pay support, a Payout API with full lifecycle management, an Invoice Payment System, automated AML/KYC, and a REST API with six SDK languages plus native integrations into MetaTrader 5, Binance Pay, and Circle Mint.
UniPayment runs a dual go-to-market: a product-led growth motion via self-service open registration and ready-made e-commerce plugins (WooCommerce, OpenCart, PrestaShop, Magento, ZenCart, WHMCS), paired with an enterprise sales motion targeting forex/CFD brokers, fintech companies, marketplaces, gaming platforms, and PSPs. Revenue is generated through transaction fees on payment processing, FX conversion margins on fiat-stablecoin conversion, and fees on virtual IBAN top-ups, all on a pay-as-you-go model with quote-based enterprise pricing. The company is privately held with no disclosed funding rounds or institutional investors identified.
UniPayment firmographics
Firmographics- Name
- UniPayment
- Legal name
- UAB UniPayment
- Website
- https://unipayment.io
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- UniPayment is a privately held hybrid payment infrastructure provider founded in 2019, processing cards, bank transfers, and cryptocurrency payments with real-time FX conversion and instant settlement for forex brokers, e-commerce merchants, gaming platforms, fintech firms, and PSPs globally.
- Ownership category
- akta.pro rank
UniPayment industry classification
Industry- Product category
- Crypto Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payment Gateways & Checkout APIs (FSADAIAA)
- akta.pro secondary industries
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)
Keywords
Where UniPayment is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices2 records
Markets served
UniPayment business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Operations, Personnel, Marketing or Sales
Revenue model
- Payment Processing Fees: Fees charged for processing card and cryptocurrency payments through the payment gateway. Fee information available through merchant dashboard.
- FX Conversion Services: Real-time currency conversion between fiat and stablecoins with instant settlement, generating revenue through exchange margins.
- Virtual IBAN Top-Up: Card-funded top-up transactions for funding payment accounts identified by virtual IBANs, subject to applicable fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Quote-based enterprise pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
UniPayment product offering
Product offeringCore offering
UniPayment operates a global hybrid payment infrastructure that combines fiat and cryptocurrency processing in a single platform. The core offering consists of a Payment Gateway supporting cards, digital currencies, and bank transfers; a Multi-Currency Wallet managing fiat and stablecoin assets with real-time FX conversion; and Business Accounts providing access to local payment rails (SEPA, ACH) and SWIFT for global payouts. The platform serves businesses with developer-friendly APIs, SDKs, and ready-made plugins, delivering instant settlement and regulatory compliance across North American and EEA frameworks.
Product overview
UniPayment offers a global hybrid payment infrastructure as a unified platform combining three core products: the Payment Gateway for processing cards, crypto, and bank transfers; the Multi-Currency Wallet for managing fiat and stablecoin assets with FX conversion; and the Business Account for accessing global payment rails. The platform serves diverse markets including FOREX/CFD brokers, e-commerce, gaming, marketplaces, fintech, and Web3/digital assets sectors.
Differentiator
Problem solved
Functional benefit
Products and services
- Payment Gateway A flexible B2B payment gateway supporting cards, digital currencies, and bank transfers with real-time FX conversion and instant settlement. It offers secure real-time payment processing, developer-friendly APIs and SDKs, and supports Apple Pay and Google Pay. Designed for merchants and platforms processing global transactions.
- Multi-Currency Wallet A unified multi-currency business wallet managing fiat and stablecoin assets with business accounts and payout capabilities. Supports major fiat currencies (USD, EUR, GBP, AUD) and stablecoins (USDC, USDT) with instant low-cost FX conversion. Targeted at businesses requiring consolidated management of multi-currency funds.
- Business Account Business accounts opened in the merchant's name enabling seamless global transactions, providing access to local payment rails (SEPA, ACH) and SWIFT for global payouts. Serves businesses requiring named accounts for receiving, holding, and disbursing funds across jurisdictions.
- Payout API Programmatic API for sending funds to external beneficiaries (bank accounts, crypto wallets) or internal UniPayment accounts with full status lifecycle management. Targeted at developers and platforms requiring automated payout workflows.
- Invoice Payment System Invoice-based payment solution supporting multiple payment attempts until expiration, with real-time status notifications via webhook. Designed for merchants and platforms needing time-bound payment collection with retry logic.
Quantifiable outcome
- Zero chargebacks for cryptocurrency transactions due to blockchain irreversibility
- +3 more outcomes
Companies that use UniPayment
Customer profileSegments7 records
Ideal customer profiles6 records
UniPayment technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature5 records
UniPayment partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Binance PaycoreUniPayment integrated Binance Pay enabling merchants to accept crypto payments with zero gas fees and instant settlement, reaching over 40 million Binance Pay users. The integration allows seamless conversion of crypto to fiat.
- CirclecoreUniPayment integrated Circle Mint enabling compliant 1:1 minting and redemption of USDC and EURC stablecoins, providing regulated access to Circle's stablecoin infrastructure.
- MetaQuotes (MetaTrader 5)coreUniPayment is natively integrated into MetaTrader 5, enabling brokers in 190+ countries to access payment processing capabilities directly through the trading platform.
- Partner Electronic Money Institution (EMI)coreUAB UniPayment operates as an EMI Agent of a licensed electronic money institution, providing electronic money accounts and payment services under EEA regulatory framework with National Bank of Belgium supervision.
- Tier-1 Banking PartnerscoreCollaborating with leading financial institutions to safeguard funds and ensure secure settlements. Provides access to local payment rails (SEPA, ACH) and SWIFT for global payouts.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
UniPayment competitors and assessment
Company assessmentDirect peers
- Transak: Fiat-to-crypto on/off-ramp provider with global regulatory coverage and developer APIs, comparable to UniPayment's fiat connectivity and stablecoin on-ramp offering for Web3 merchants.
- CoinPayments: Long-standing crypto payment processor supporting hundreds of coins with merchant checkout, plugins, and fiat conversion, overlapping with UniPayment's merchant gateway and wallet services.
- NOWPayments: Direct competitor offering a crypto payment gateway with fiat conversion, mass payouts, and plugins across major e-commerce platforms, overlapping directly with UniPayment's core gateway and wallet offering.
- Triple-A: Licensed crypto payment gateway offering merchants acceptance of digital currencies with instant fiat settlement, directly comparable to UniPayment's hybrid gateway and regulated fintech positioning.
- Alchemy Pay: Hybrid fiat-crypto payment gateway with global licensing and on/off-ramp services, very similar product architecture to UniPayment including fiat ramps, card payments, and crypto settlement for merchants.
Broad incumbents
- BitPay: Established crypto payment processor with fiat settlement, invoicing, and merchant tools targeting e-commerce and enterprise use cases, broadly comparable to UniPayment's merchant acceptance and fiat off-ramp offerings.
- Coinbase Commerce: Crypto payment processor from Coinbase serving merchants globally with wallet-based checkout and stablecoin settlement; competes with UniPayment on the merchant acceptance and on/off-ramp layers with far greater brand recognition.
- MoonPay: Major fiat on/off-ramp provider with deep wallet and card integrations, competing with UniPayment in the fiat-crypto conversion layer and increasingly in merchant checkout for NFTs and digital goods.
- Stripe (crypto/stablecoin): Global payments incumbent that has launched stablecoin and crypto settlement support for merchants, representing the largest competitive threat to UniPayment's e-commerce and fintech segments.
Emerging players
- Cryptomus: Crypto payment processor with merchant tools, mass payouts, and e-commerce plugins targeting small and mid-market merchants, similar profile to UniPayment's SMB/PLG funnel.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
UniPayment social profiles
Digital presenceUniPayment compliance and trust
Trust signalCompliance2 records
UniPayment financial estimates
Financial estimateRevenue estimate
Valuation estimate
UniPayment leadership team
Management profileNumber of profiles
UniPayment subsidiaries and ownership
Company hierarchySubsidiaries1 record
UniPayment funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UniPayment M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about UniPayment
What does UniPayment do?
UniPayment operates a global hybrid payment infrastructure that combines fiat and cryptocurrency processing in a single platform. The core offering consists of a Payment Gateway supporting cards, digital currencies, and bank transfers; a Multi-Currency Wallet managing fiat and stablecoin assets with real-time FX conversion; and Business Accounts providing access to local payment rails (SEPA, ACH) and SWIFT for global payouts. The platform serves businesses with developer-friendly APIs, SDKs, and ready-made plugins, delivering instant settlement and regulatory compliance across North American and EEA frameworks.
Is UniPayment a public or private company?
UniPayment is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was UniPayment founded?
UniPayment was founded in 2019. It employs 1 to 10 people.
Where is UniPayment based?
UniPayment is headquartered in Singapore, Singapore, in the Asia region.
How does UniPayment make money?
Three revenue lines are on record. Payment Processing Fees are the primary driver. The others are FX Conversion Services and virtual IBAN Top-Up.
Who are UniPayment's main competitors?
Direct peers on record are Transak, CoinPayments, NOWPayments, Triple-A and Alchemy Pay. Broad incumbents are BitPay, Coinbase Commerce, MoonPay and Stripe (crypto/stablecoin). Cryptomus is listed as an emerging player.
Does UniPayment have an API?
Yes. UniPayment provides a REST API enabling merchants to integrate cryptocurrency and fiat payment processing. The API supports invoice creation, payment processing, payout management, wallet operations, account management, beneficiary handling, and payment method configuration. Available endpoints include Get Accounts, Create Beneficiary, Create Payment Method, Create Payment (Payout), Confirm Payment, Cancel Payment, and Invoice management. Webhooks (IPN) are supported for real-time payment status notifications. Developer documentation is at unipayment.readme.io/reference/overview.
What industry is UniPayment in?
UniPayment's product category is Crypto Payment Processing. Its primary akta.pro industry code is FSADAIAA, Crypto Payment Gateways & Checkout APIs, with a secondary code of BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 522320 and its SIC code is 6200.