Review · Fact-checked October 18, 2026
Yuno Review
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.
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Best for
Enterprise merchants, marketplaces, gaming and travel companies selling in many countries who use, or want to use, several processors and local payment methods, and banks, PSPs or wallets that want to white-label an orchestration layer.
How it scores
Pricing2.0
Features4.5
Ease of use3.5
Support3.5
Contract2.5
Reputation score3.5
What it costs
Details →- Chargeback
- Yuno does not handle chargebacks as a processor; disputes and their fees come from the processor or acquirer you contract with. Yuno's terms list separate per-alert fees for its optional chargeback-alert services (Mastercard's Ethoca and Visa's Verifi), with amounts set in the order form or price list rather than published.
The take
B-Yuno is a credible option for an enterprise or fast-growing cross-border merchant that already has, or wants, several processors and local payment methods across many countries and needs one layer to route, retry and reconcile them. Its coverage of Latin America, the Gulf and Asia-Pacific is the reason to look at it. We grade it B- because nothing about the price is published, the standard terms lock you into a fixed term with automatic renewal and a pay-out-the-balance exit, and there is almost no independent customer feedback against which to test its approval-rate and cost-saving claims. It also adds a layer of fees on top of what you already pay your processors, so it only pays off at volumes where better routing saves more than it costs.
Skip if you
Run a small or single-country business that one processor serves well, want a published price and a month-to-month plan, or need a provider that holds the merchant account and pays out your funds itself.
Chapter 1
Should you choose Yuno?
The headline take, the audiences it's right (and wrong) for, and the genuine differentiators behind the verdict.
About
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.
Pros, cons, and audience
Pros
- Neutral routing layer: you keep your own contracts with each processor and can move volume between them, with automatic failover when one goes down.
- Broad international coverage, especially in Latin America, the Gulf and Asia-Pacific, with more than 1,000 payment methods and 460+ integrations claimed through one API.
- Public merchant terms include a 99.9% monthly availability target, backed by service credits, and Yuno says it holds PCI DSS, ISO 27001, ISO 27701 and SOC 2 Type 2 attestations.
- Card vault and network tokens sit outside any single processor, which makes it easier to change processors without asking customers to re-enter card details.
- Well funded, with a $45 million Series B in August 2026 and large named customers, which lowers the risk of the platform disappearing mid-contract.
Cons
- No published pricing at all: the monthly platform fee and every per-transaction and add-on fee are quoted per account.
- Fixed-term contracts renew automatically unless you give 60 days' notice, and leaving early means paying the remaining monthly fees for the term.
- Its fees sit on top of what you pay your processors, so it suits high-volume, multi-country merchants rather than small businesses.
- Almost no independent user reviews: no Trustpilot page and no ratings on its G2 listing as of October 2026, so its approval-rate and savings figures are the company's own.
- Yuno is not a processor, so you still have to get approved by, contract with and manage each acquirer or PSP you route to.
What makes them different
The genuine differentiator
Yuno is a neutral routing layer rather than a processor, so the merchant keeps its own contracts with each acquirer and can move volume between them. It is unusually strong outside the US and Europe. It grew out of the founders' work at Rappi, the Latin American delivery app, and has since added a regional office in Doha, Saudi central bank certification for its Saudi entity, and in-store routing across several acquirers on one terminal (launched September 2026).
How we score it
2
Pricing Transparency
4.5
Feature Set
3.5
Ease of Use
3.5
Customer Support
2.5
Contract Terms
3.5
Industry Reputation
Chapter 2
What it costs
Real-world cost at three volumes, plus the rates, fees, payouts, and contract terms that drive them.
Pricing details
What Yuno is
Yuno is a payment orchestration platform. It sits between a merchant's checkout and the processors, acquirers, wallets, local payment methods and fraud tools the merchant uses, and connects them all through one API. According to the company, its founders Juan Pablo Ortega (CEO) and Julián Núñez (COO) built it after struggling with cross-border payments while working at Rappi, the Latin American delivery and super app. Yuno's own pages disagree on when it started: its About page says it was founded in 2021, while its August 2026 Series B press release describes it as founded in Colombia in 2022. We do not state a single year.
Yuno is venture-backed and independent. Its About page says Kaszek and Monashees led a $10 million seed round and that Andreessen Horowitz, Tiger Global and DST Global Partners backed a $25 million Series A. In August 2026 it announced a $45 million Series B led by Global PayTech Ventures, with Andreessen Horowitz, Tiger Global, QuantumLight Capital, Monashees, Kaszek, Endeavor Catalyst and several Gulf investors taking part. These are investors, not owners. The company lists 16 offices on five continents, including New York, Miami, San Francisco, Mexico City, Bogotá, São Paulo, London, Singapore and Dubai, and opened a regional headquarters in Doha. Its US contracting entity is Yuno USA LLC, a Delaware company.
Its scale figures are its own, and we have not been able to check them independently. In the Series B release, Yuno says it is on track to process $100 billion a year in transaction volume within 12 months. It also says that over the past year it recovered more than $5 billion in otherwise-failed payments, raised approval rates by about 5% and saved customers more than $500 million in processing costs. Named customers include McDonald's, Rappi, NetEase Games, GoFundMe, inDrive, Uber and Viva Aerobus.
Why we list Yuno as a payment gateway
Yuno does not hold the merchant agreement. Its documentation tells merchants to enter their own credentials for each provider they connect, and its financial-services page says plainly that Yuno does not hold funds or own the merchant. Settlement, chargebacks and underwriting stay with the processors and acquirers the merchant contracts with. That makes it a technology layer in the same position as a gateway, in our taxonomy, rather than a payment facilitator or merchant of record. Some partners, such as Revolut, sell their acquiring through a Yuno connection, but the merchant still signs that partner's own terms.
How it works
You integrate Yuno once, either through its checkout SDKs or directly by API, and then add connections in its dashboard. Each connection is a provider you already have an account with: a card acquirer, a regional processor, a wallet such as Apple Pay or Revolut Pay, a local payment method, or a fraud engine. Yuno then routes each transaction according to rules you set, or according to its AI routing, by cost, approval rate or provider availability. If a payment is declined or a provider is down, it can retry on another connection.
- Smart routing and automatic failover between connected processors
- A PCI DSS vault that stores card credentials independently of any processor, plus network tokens and account updater
- 3-D Secure, rule-based risk conditions, third-party fraud engines and chargeback alerts
- Subscriptions, payouts, split payments for marketplaces, and stablecoin acceptance and payouts through partners
- Unified reporting and reconciliation across providers, and AI agents that monitor approval rates
- In-person payments since 29 September 2026: routing across several acquirers on compatible terminals, plus Tap to Pay on phones
Yuno also sells the same platform to banks, acquirers, PSPs and wallets, which can run it under their own brand. Its Series B release names dLocal, the Nasdaq-listed cross-border payments company, as one partner that white-labels its technology. Its Saudi entity, Yuno Payments Arabia, received a Payment Technical Service Provider certification from the Saudi Central Bank in April 2026, according to the same release.
What it costs
Yuno publishes no prices, so rates are quoted per account. Its public merchant terms do set out how you are charged. There is a fixed Monthly Platform Fee that, in the terms' words, includes unlimited connections and tokens, access to all Yuno connections and support, plus a charge for each user above the number included. There is also a Transaction Fee for each payment, payout, refund or card verification that completes successfully. Add-ons are billed per use: 3-D Secure authentications, calls to partner fraud engines (charged whether the engine approves or rejects), risk-rule evaluations, fraud monitoring, smart-routing use, network-token events, account-updater lookups and chargeback alerts. For account updater, the terms say Yuno passes card-scheme price changes through without mark-up. Taxes are extra.
None of this replaces what you pay your processors. Interchange, scheme fees and each acquirer's markup still apply, and Yuno's charges sit on top. The business case for orchestration is that better routing, retries and the leverage of being able to move volume save more than the platform costs. That is plausible for a merchant processing large volumes across several countries. For a small or single-market business, it is unlikely to pay off.
Contracts and terms
Yuno's standard US terms (effective 24 October 2025) are firm. The agreement runs for a subscription term set in your order form and renews automatically for the same length unless either side gives written notice at least 60 days before it ends. Leaving early means paying the remaining monthly fees for the rest of the term within 30 days. Invoices are due within 30 days and are non-refundable, and late payments carry interest of 1.5% a month. At renewal Yuno may raise fees by up to 8%, but only with your written agreement. The US terms contain two different amendment clauses: section 18 lets Yuno change the standard terms on eight days' notice, though not any point you have negotiated differently in your order form, while section 15.11 says updates take effect when published on Yuno's website and continued use counts as acceptance. Yuno can also end the agreement without cause on 90 days' notice (section 13.4), crediting the unused part of the fee, a right the merchant does not have without paying out the term.
Each side's liability is capped at the fees paid over the previous 12 months, with exceptions for confidentiality, intellectual property and indemnities, and Yuno is liable for data breaches only where it was grossly negligent or acted wilfully. Under the US terms any claim must be filed within one year and disputes go to the courts in Wilmington, Delaware. Separate versions apply to Yuno's Mexican, Singapore, Colombian and Brazilian entities. They repeat the term, 60-day renewal notice and early-exit clause, but send disputes to Mexico City courts, Singapore arbitration, Bogotá courts and Brazilian arbitration respectively, and the Brazilian version raises fees each year in line with the IPCA inflation index rather than through the 8% consent-based cap. Because the order form overrides the standard terms, the term length, renewal notice and exit costs are all worth negotiating before you sign.
Payouts and settlement
Yuno does not settle your sales. Funds move from each processor or acquirer to your bank account on that provider's schedule and under its reserve and hold policies. Check payout timing, reserves and chargeback fees in each processor contract, not in Yuno's. Yuno's Payouts product is for sending money out to third parties, such as sellers or drivers, through connected payout providers.
Reliability and security
The service level agreement attached to Yuno's terms commits Yuno to commercially reasonable efforts to keep the service available 99.9% of each calendar month, with service credits against your fees if it falls short. You must claim credits in writing within 30 days. Planned maintenance needs seven days' notice. Outages caused by connected processors, acquirers or fraud providers are excluded, as are interruptions Yuno considers reasonably necessary, and service credits are the only remedy. Yuno says it is PCI DSS v4.0 compliant, ISO 27001 certified, ISO 27701 compliant and SOC 2 Type 2 compliant, that it runs on AWS, and that it runs a HackerOne bug bounty.
Reputation and complaints
Independent feedback on Yuno is thin, which is common for enterprise infrastructure that shoppers never see. As of October 2026 we found no Trustpilot page for y.uno, and its G2 listing for payment infrastructure showed no ratings. Capterra's 'Yuno' listing appears to be a different, unrelated product. Its approval-rate uplift, recovered revenue and cost savings figures all come from Yuno itself. We found no lawsuits, regulatory enforcement actions or data breaches naming Yuno. Its industry standing rests mainly on its investors, its named enterprise customers and a run of partnership announcements in 2026, including Revolut, PayRetailers, SEON, Coinbase and COLIBRIX ONE.
Who it suits
Yuno is built for enterprises and fast-growing cross-border businesses such as marketplaces, delivery and mobility apps, airlines, gaming publishers and subscription companies. These businesses sell in many countries, need local payment methods in each, and want to split volume across several acquirers. It is also aimed at banks and PSPs that want to offer orchestration under their own name. Its terms define high-risk merchants by category code (including gambling, dating, cryptocurrency and quasi-cash, tobacco, pharmaceuticals, digital games and direct marketing) and say chargeback-alert fees for them may be negotiated separately, which suggests it does take such merchants on, subject to its own KYC and enhanced due diligence. Underwriting for those merchants still sits with the processors they route to.
It is the wrong tool for a small business, a single-country merchant that one processor serves well, or anyone who wants a published price and a contract they can leave at will. Those businesses are better served by an all-in-one processor that holds the merchant account itself.
Fees
Chargeback Fee
Yuno does not handle chargebacks as a processor; disputes and their fees come from the processor or acquirer you contract with. Yuno's terms list separate per-alert fees for its optional chargeback-alert services (Mastercard's Ethoca and Visa's Verifi), with amounts set in the order form or price list rather than published.
Per-incident chargeback dispute fee
Early Termination Fee
Under Yuno's standard US merchant terms (effective 24 October 2025), you can end the agreement before the term is up by written notice, but you must pay all remaining monthly subscription fees for the rest of the current term within 30 calendar days. An order form you negotiate can override this.
Fee for canceling before contract end
Contract Terms
Contract Length
Fixed term set per order form; auto-renews
Required commitment period
Cancellation Process
Yuno's standard US merchant terms (Yuno USA LLC, a Delaware company; effective 24 October 2025) say the agreement runs for the subscription term in your order form and renews automatically for the same length unless either side gives written notice of non-renewal at least 60 days before the term ends. You can leave early by written notice, but you then owe the remaining monthly subscription fees for the rest of the term within 30 days. Fees are invoiced monthly in arrears, payable within 30 days, and are non-refundable. Late payments carry interest of 1.5% a month. At renewal Yuno may raise fees by up to 8%, but only with your prior written agreement. Mid-term price changes need 60 days' notice and your written acceptance. Either side can end the agreement for a material breach that is not fixed within 30 days. Yuno can also end the agreement without cause on 90 days' written notice, crediting the unused part of the subscription fee. Disputes go first to 30 days of direct negotiation, then to the state or federal courts in Wilmington, Delaware, and any claim must be filed within one year. Each side's liability is capped at the subscription fees you paid in the previous 12 months (with exceptions for confidentiality, intellectual property and indemnities), Yuno is liable for data breaches only where it was grossly negligent or acted wilfully, and service credits are your only remedy for downtime. Separate Mexican, Singapore, Colombian and Brazilian versions apply to those contracting entities; they share the term, 60-day renewal notice and early-exit clause, but disputes go to Mexico City courts, Singapore (SIAC) arbitration, Bogotá courts and Brazilian (CAMARB) arbitration respectively, Singapore's version has no one-year claim deadline, and Brazil's indexes fees to IPCA inflation at each annual renewal instead of the 8% consent-based cap. Terms in a signed order form take precedence over the standard terms.
How to terminate your account
Chapter 3
What you actually get
Products, integrations, payment-type coverage, security posture, and how their support holds up in practice.
Products & Services
gateway
Payment orchestration and smart routing
One API and a no-code dashboard that connect a merchant to the processors, acquirers, wallets and local payment methods it has contracts with. Rules or Yuno's AI routing choose a provider for each transaction by cost, approval rate or availability, with automatic retry on another provider when a payment fails or a provider is down. Pricing is quoted per account.
ecommerce
Checkout
Hosted and embedded checkout components and SDKs that present local payment methods for each market, including cards, wallets, bank transfers, vouchers and buy now, pay later options, through the one integration.
other
Vault, network tokens and account updater
A PCI DSS-compliant card vault that stores customer card credentials independently of any one processor, with network tokens requested from the card schemes and an account updater service. Yuno's terms say scheme account-updater charges are passed through without mark-up.
other
Fraud and risk tools
3-D Secure authentication, rule-based risk conditions such as block and allow lists, connections to third-party fraud engines, and chargeback alerts through Mastercard Ethoca and Visa Verifi. Each is billed per use under Yuno's terms.
payment processing
Subscriptions
Recurring billing tools for subscription merchants, with retries routed across connected providers.
other
Payouts
Outbound payments to sellers, drivers, players or other recipients through connected payout providers, managed from the same API and dashboard as pay-ins.
other
Reconciliation and insights
Reporting and reconciliation across every connected provider in one view, plus AI agents (NOVA and Payments Concierge, in Yuno's naming) that monitor approval rates and flag issues.
pos
In-person payments
Launched 29 September 2026: POS Orchestration routes card-present sales on compatible terminals across several acquirers, and Tap to Pay turns a compatible Android phone or iPhone into a card reader. Both share the online platform's routing engine, vault and ledger.
other
Stablecoin payments
Stablecoin acceptance, payouts and settlement through partner integrations, including Coinbase (announced October 2026) and Cyclops (announced September 2026).
Support & Contact
Chapter 6
Common questions
Frequently Asked Questions
Pricing
Yuno does not publish prices. Its standard merchant terms describe a fixed monthly platform fee that includes a set number of users (with a charge for each extra user), unlimited connections and tokens, and support. On top of that, it charges a transaction fee for each successful payment, payout, refund or card verification, and separate per-use fees for add-ons such as 3-D Secure, fraud checks, risk rules, smart routing, network tokens, account updater and chargeback alerts. The amounts are set in your order form. You still pay your processors' own fees separately.
General
Contracts & Terms
Setup & Onboarding
Features
Support
How we evaluated Yuno
We evaluate every payment processor independently — Payment Review does not accept paid placement. Our analysis combines hands-on product testing where possible, public pricing and policy documents, third-party reviews from BBB, Trustpilot, Google, and G2, and employee feedback from sites like Glassdoor and Indeed. We update reviews on a rolling cadence and flag the next review date so readers know how fresh the analysis is.
Last fact-checked October 18, 2026Reviewed by Payment Review Editorial Team
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