Comparison · Updated October 18, 2026
Spreedly vs Yuno: payment orchestration compared
Spreedly
B
Spreedly is a payment orchestration platform and PCI-compliant card vault founded in 2007 and run from Durham, North Carolina. It does not process payments itself. It stores your customers' card credentials in its own vault, connects them to more than 140 payment gateways through one API, and routes, retries and optimises transactions across them. It reported annual gross merchandise volume expected to exceed $60 billion for 2025, up from $50 billion in 2024, across more than 400 customers in 100-plus countries. Entry pricing for the vault starts at $750 a month; everything above that is quoted. It is enterprise infrastructure, not a merchant account, and a small business should not be shopping for it.
Yuno
B-
Yuno is a payment orchestration platform for large merchants, banks and wallets. It started in Latin America and now sells worldwide. It does not process payments or hold funds itself. You sign your own contracts with payment processors, acquirers, wallets and fraud tools, enter their credentials in Yuno's dashboard, and Yuno routes each transaction between them through one API. It retries failed payments on another provider and stores card tokens in its own vault. Yuno says it connects to more than 1,000 payment methods and over 460 integrations in 190+ countries. Named customers include McDonald's, Rappi, NetEase Games, GoFundMe and inDrive. It raised a $45 million Series B in August 2026, led by Global PayTech Ventures with Andreessen Horowitz and Tiger Global taking part. Yuno publishes no prices. Its public merchant terms describe a fixed monthly platform fee plus per-transaction fees for successful payments, payouts, refunds and verifications, with extra fees for add-ons such as 3-D Secure, fraud checks and chargeback alerts. Contracts run for a fixed term set in an order form, renew automatically unless you give 60 days' notice, and leaving early means paying the remaining monthly fees for the term. There is almost no independent user feedback to check its claims against.
VS
Overview
Spreedly and Yuno are both payment orchestration platforms, not processors. Each sits in front of the gateways, acquirers and payment methods you contract with separately. Each stores your customers' cards in its own PCI DSS vault, routes and retries transactions across providers, and adds 3-D Secure and fraud tools. Neither holds your funds. Your processors still settle your sales and charge their own fees, and the orchestration fee comes on top. Spreedly is the older company. It says it was founded in 2007, and its press releases carry a Durham, North Carolina dateline. It is the only one of the two to publish a price: its Independent Vault starts at $750 a month. As of October 2026 it claims 150+ gateway connections and 60+ payment methods. Yuno started in Latin America and publishes no prices at all. Its merchant terms describe a monthly platform fee plus per-transaction and per-use fees. It claims 1,000+ payment methods and 460+ integrations across 190+ countries (also as of October 2026), and it raised a $45 million Series B in August 2026. Both sets of figures are the vendors' own claims, and they count different things. On standard contract terms, Spreedly needs less notice to stop a renewal (15 or 30 days against Yuno's 60). Yuno's base terms protect you better against mid-term price rises and include a 99.9% uptime target with service credits. Spreedly guarantees uptime only on its paid annual support plans. Payment Review grades Spreedly B and Yuno B-.
Key Takeaways
- ✓Spreedly is the only one with a published price: its Independent Vault costs from $750 a month as of October 2026. Its optimisation tier and all per-transaction fees are quoted. Yuno publishes no prices. Its terms describe a fixed monthly platform fee, a fee per successful transaction, and per-use fees for add-ons such as 3-D Secure, fraud checks and smart routing.
- ✓Spreedly's standard terms make a renewal easier to stop: 15 days' notice, or 30 days on a term of 12 months or more, against 60 days in Yuno's terms. Both default to automatic renewal, and both let a signed order form override the defaults.
- ✓Yuno's standard terms give more protection on price and uptime. A mid-term price change needs 60 days' notice and your written acceptance, and renewal increases are capped at 8% with your agreement. Spreedly can change fees on 30 days' notice, though not during a fixed-fee term set in an ordering document. Yuno's terms also commit to 99.9% monthly availability with service credits. Spreedly's base support level comes with no uptime guarantee.
- ✓Both vaults let you take your cards with you. Spreedly's terms give a contractual export right, with automatic export to supported endpoints and a charge for manual exports. Yuno documents a PCI DSS-only export process over encrypted SFTP but does not publish a cost.
- ✓Coverage figures are the vendors' own claims as of October 2026 and are not comparable. Spreedly claims 150+ gateway connections, 60+ payment methods and 32+ fraud and risk tools. Yuno claims 1,000+ payment methods and 460+ integrations in 190+ countries, with roots in Latin America and offices in the Gulf and Asia.
Spreedly
Spreedly suits a large merchant or platform that mainly wants to own its stored cards outside any one acquirer, starting with a published $750-a-month vault and adding routing and optimisation later on the same platform.
Yuno
Yuno suits an enterprise selling across many countries, especially in Latin America, the Gulf and Asia-Pacific, that wants local payment methods, payouts and in-store routing behind one integration and can negotiate a quoted, fixed-term contract.
The Verdict
It Depends on Your Needs
Why?
Neither wins outright, because they lead on different things and most of the price is quoted for both. Spreedly is the stronger choice if you mainly want to own your stored cards. It publishes a $750-a-month entry price for a standalone vault, has been operating since 2007 by its own account, gives a contractual card-export right in its terms, and needs only 15 or 30 days' notice to stop a renewal. Payment Review grades it B. Yuno is the stronger choice if you sell across many countries and need local payment methods, payouts and in-store routing behind one integration. Its coverage claims are far broader, especially in Latin America, the Gulf and Asia-Pacific, and its standard terms protect you better on mid-term price changes and uptime. It publishes no prices, needs 60 days' notice to stop a renewal, makes you pay out the term if you leave early, and has almost no independent user reviews. Payment Review grades it B-. Both add their fees on top of what your processors charge, so neither makes sense for a single-processor, single-country business.
Feature by feature
Detailed Comparison
Filter Options
Pricing (as of October 2026)
| Feature | Spreedly | Yuno |
|---|---|---|
| Published entry price | From $750/month (Independent Vault) | Not disclosed |
| Spreedly's pricing page lists the Independent Vault as "Starting at $750 per month": a PCI Level 1 vault with unlimited storage. Yuno's site has no pricing page, and its merchant terms set every amount in the order form or price list. | ||
| Orchestration and optimisation tier | Not disclosed | Not disclosed |
| Spreedly's Performance Optimization tier (network tokenisation, account updater, smart retries, PSP-agnostic routing, 3DS and fraud, chargeback reduction) is sold through sales with no published figure. Yuno quotes all of its services per account. | ||
| How you are charged | Fees set in your ordering document | Monthly platform fee + per-transaction and add-on fees |
| Spreedly's terms of service (v2.1, effective 1 October 2026) say you pay the fees in each ordering document. Fees are non-refundable once paid. Yuno's US merchant terms (effective 24 October 2025) describe a fixed Monthly Platform Fee covering a set number of users (extra users cost more), unlimited connections and tokens, and support. On top come a fee for each successful payment, payout, refund or card verification, and per-use fees for 3-D Secure, fraud-engine calls, risk rules, smart routing, network-token events, account updater and chargeback alerts. Yuno passes card-scheme account-updater price changes through without mark-up. With both, your processors' own fees are charged separately. | ||
| Free evaluation | 30-day evaluation account, no charge | Not disclosed |
| Spreedly's terms provide evaluation accounts, normally free for 30 days, subject to usage limits and with no support or uptime commitment. Yuno's merchant terms and website describe no free trial. | ||
Published entry price
Spreedly
From $750/month (Independent Vault)
Yuno
Not disclosed
Spreedly's pricing page lists the Independent Vault as "Starting at $750 per month": a PCI Level 1 vault with unlimited storage. Yuno's site has no pricing page, and its merchant terms set every amount in the order form or price list.
Orchestration and optimisation tier
Spreedly
Not disclosed
Yuno
Not disclosed
Spreedly's Performance Optimization tier (network tokenisation, account updater, smart retries, PSP-agnostic routing, 3DS and fraud, chargeback reduction) is sold through sales with no published figure. Yuno quotes all of its services per account.
How you are charged
Spreedly
Fees set in your ordering document
Yuno
Monthly platform fee + per-transaction and add-on fees
Spreedly's terms of service (v2.1, effective 1 October 2026) say you pay the fees in each ordering document. Fees are non-refundable once paid. Yuno's US merchant terms (effective 24 October 2025) describe a fixed Monthly Platform Fee covering a set number of users (extra users cost more), unlimited connections and tokens, and support. On top come a fee for each successful payment, payout, refund or card verification, and per-use fees for 3-D Secure, fraud-engine calls, risk rules, smart routing, network-token events, account updater and chargeback alerts. Yuno passes card-scheme account-updater price changes through without mark-up. With both, your processors' own fees are charged separately.
Free evaluation
Spreedly
30-day evaluation account, no charge
Yuno
Not disclosed
Spreedly's terms provide evaluation accounts, normally free for 30 days, subject to usage limits and with no support or uptime commitment. Yuno's merchant terms and website describe no free trial.
Best For Your Business
Recommendations based on your business type
Merchant that wants to own its stored cards before committing to full orchestration
Recommended
Spreedly
Spreedly sells a standalone vault from a published $750 a month, launched as a separate product in July 2026, and says you can add routing later with no re-vaulting. Its terms give a contractual right to export your cards. Yuno also sells its vault standalone but publishes no price.
Enterprise selling across Latin America, the Gulf and Asia-Pacific
Recommended
Yuno
As of October 2026, Yuno claims 1,000+ payment methods and 460+ integrations across 190+ countries. It grew out of Latin America, has offices in Doha, Dubai, Singapore and Shanghai, and its Saudi entity holds a Saudi Central Bank technical service provider certification. Spreedly claims 60+ payment methods and 100+ countries. Check that the specific local methods you need are supported.
Retailer that wants to route in-store card sales across several acquirers
Recommended
Yuno
Yuno launched POS orchestration and Tap to Pay on 29 September 2026, on the same routing engine and vault as its online product. We found no in-person routing product among Spreedly's product pages as of October 2026.
Marketplace or platform that pays out to sellers, drivers or players
Recommended
Yuno
Yuno sells Payouts as a dedicated product, managed from the same API and dashboard as pay-ins. Spreedly supports payouts only as General Credit transactions on gateways that offer them.
Business that wants a short commitment while it tests orchestration
Recommended
Spreedly
Spreedly's standard terms default to a 30-day term that renews automatically, needing 15 days' notice to stop, and it offers free 30-day evaluation accounts. Yuno's term is set in the order form, needs 60 days' notice to stop renewing, and leaving early means paying the remaining monthly fees.
Small or single-country business with one processor
Neither. Both charge on top of your processor's fees and only pay off when routing across several providers saves more than the platform costs. A processor that holds the merchant account itself is the better fit.
Spreedly: Best for 2 use cases
Yuno: Best for 3 use cases
Frequently Asked Questions
Common questions about this comparison
As of October 2026, Spreedly publishes one price: its Independent Vault starts at $750 a month. Its optimisation tier and per-transaction fees are quoted. Yuno publishes no prices. Its merchant terms describe a fixed monthly platform fee, a fee for each successful payment, payout, refund or verification, and per-use fees for add-ons such as 3-D Secure, fraud checks and smart routing, all set in your order form. With either, you still pay your processors' own fees.
No. Both are orchestration platforms. They store card credentials, connect to the gateways and acquirers you contract with, and route transactions between them. Spreedly's terms say it is not a payment processor and does not control any funds. Yuno says it does not hold funds or own the merchant relationship. Settlement, chargebacks and underwriting stay with your processors.
Yes, with conditions. Spreedly's terms let you export cards automatically to endpoints where it supports third-party vaulting, or have Spreedly export them manually to a PCI DSS-compliant recipient at its current rates. It may delete your data 90 days after termination, though it may extend that window in 30-day steps if you keep paying a prorated fee. Yuno's documentation describes an encrypted export to a PCI DSS-certified recipient after a written request, but publishes no cost. Agree the cost and timetable in the contract.
These are the companies' own claims as of October 2026. Spreedly's pricing page claims 150+ gateway connections, 60+ payment methods and 32+ fraud and risk solutions. Yuno claims 1,000+ payment methods and 460+ integrations across 190+ countries. They count differently, so check the specific providers and local methods you need.
Spreedly's standard terms run for 30 days at a time unless your ordering document sets a longer term. You stop them by giving 15 days' notice before renewal, or 30 days on a term of 12 months or more. Fees are non-refundable. Yuno's term is set in your order form and renews unless you give 60 days' notice. Leaving early means paying the remaining monthly fees for the term within 30 days.
Yuno's footprint is broader there. It was built by former Rappi executives, has offices in Mexico City, Bogotá, Buenos Aires and São Paulo, and claims more than 1,000 payment methods as of October 2026. Spreedly also connects to Latin American providers through partners such as EBANX, dLocal and Kushki, and says Latin America was one of its two fastest-growing regions in 2025. Check the specific local methods you need with both.