White-label digital wallet and payments platform for banks, telcos and retailers in Asia-Pacific: wallets, card issuing, QR payments and merchant acceptance.
For banks, telcos, retailers and payment processors
YouPay is a cloud-native enterprise payments platform that enables banks, telecommunications providers and retail organisations to modernise payment experiences across digital and physical channels through one secure, API-first platform.
Launch new payment services without replacing existing payment infrastructure.
Deliver consistent payment experiences across mobile, online, in-store and assisted channels.
Support secure, resilient payment services across multiple markets, business units and customer segments.
Ship the entire payments stack under your own brand, accelerating time-to-market for new payment products without a ground-up build.
Multi-currency consumer and business wallets with configurable account types, balance management and transaction limits, the foundation for branded wallets that deepen customer relationships and lift payment frequency.
Branded consumer and business wallets, with configurable account types for each customer group.
Real-time balance management and configurable transaction limits for every wallet.
Multi-currency balances with live exchange rates and rate management, so customers hold and spend the currencies they need.
Customers pay in store by QR code or tap, online, in-app and through assisted channels, with one consistent payment experience across every channel.
Interoperable QR payments and tap to pay, at the till and at partner merchants.
Fast online and in-app checkout from the same wallet, with 3D Secure on online card payments.
Consistent payment experiences across mobile, online, in-store and assisted channels.
P2P, P2B and B2B transfers with real-time processing and configurable approval workflows, plus cross-border transfers with transparent FX, giving you the payment rails to launch new services from the same app.
Money moves straight away between wallets in your network, with real-time processing.
Pay businesses and suppliers from the wallet, with configurable approval workflows for business accounts.
Cross-border transfers with real-time FX and transparent fees, for customers sending money to family and partners overseas.
Virtual and physical debit and prepaid cards on Visa, Mastercard or UnionPay, with real-time controls, spend limits and instant freeze, integrated with wallets, merchant services, banking and loyalty for a connected customer experience.
Virtual cards ready to use straight away, and physical cards posted in your design.
Issue on the card scheme that suits each market, spending the same wallet balance anywhere cards are accepted.
Real-time controls, spend limits, instant freeze and payment alerts, managed by customers in your app.
Banks can launch consumer and business wallets, instant transfers and cross-border payments inside the banking app, with cards on the same balance. The programme deepens customer relationships, lifts payment frequency and keeps customers from moving to other money apps.
Telcos can launch branded digital wallets, subscriber payments and financial services, with QR payments in stores and at partner merchants, and cross-border transfers for subscribers sending money home. The wallet creates new payment revenue and brings everyday payments into the operator’s app.
Retailers can launch branded wallets and omnichannel payments embedded in their own app and checkout, so shoppers pay the same way in store and online. Payments stay inside the retailer’s own experience, across every channel.
Payment processors and acquirers can launch white-label payment gateway and orchestration infrastructure, with multi-acquirer connectivity and integration that extend their existing merchant portfolios with modern acceptance.
See Youtap for payment processors
YouPay protects every customer and every payment, and runs on Microsoft Azure with elastic scale, regional deployment and continuous compliance across multiple markets, business units and customer segments.
AI-assisted fraud monitoring checks every payment as it happens, with configurable risk rules for each market, working alongside your existing risk tools.
Biometric login and two-factor authentication, with 3D Secure online and card data tokenised and encrypted to the PCI DSS standard.
People and businesses verify their identity when they join, with anti-money-laundering (AML) checks at the level each account needs.
Route, switch and reconcile across payment methods, schemes and partners through one control plane, with connections to domestic and international schemes.
Every payment matched and settled, with a full audit trail and automated reports for regulators.
Local payment scheme rules, regulatory reporting, and AML and KYC workflows, so you can launch payment services across regions.
YouPay connects to your payment switches, core banking, card management, ledger, CRM, risk, point-of-sale, online shop, merchant platforms and ERP systems, with open APIs, webhooks and ready-made connectors, extending your existing enterprise infrastructure instead of replacing it.
Every capability exposed through modern REST APIs and webhooks, for rapid integration with your core banking, card, ledger, CRM and risk systems.
Adopt digital wallets, QR, cards or orchestration independently. YouPay extends your current systems, with no full-stack replacement required.
YouPay chooses the right scheme, method or provider for each payment, across channels and partners.
If you already use another Youtap module, YouPay uses the same system. You do not need to connect again.
YouPay is a cloud-native enterprise payments platform that lets banks, telecommunications providers and retailers launch branded digital wallets, transfers, cards and payment orchestration across digital and physical channels, through one secure, API-first platform.
YouPay is for your customers: it gives them the wallets, transfers and cards they pay with. YouAccept is for your merchants: it lets the businesses in your network accept those payments and settles the money to them. Together they connect both sides of every payment.
No to both. YouPay extends existing payment infrastructure through modular cloud-native capabilities and secure APIs, and wallets, QR payments, cards and orchestration can each be adopted on their own.
Wallet balances, QR codes and tap to pay in store, online and in-app checkout, Visa, Mastercard and UnionPay cards, and P2P, P2B and B2B transfers, across mobile, online, in-store and assisted channels.
Yes. Multi-currency wallets with live exchange rates, cross-border transfers with transparent FX fees, and connections to domestic and international payment schemes let you launch payment services across regions on one platform.
AI-assisted fraud monitoring checks every payment with configurable risk rules for each market. Card data is tokenised and encrypted to the PCI DSS standard, and local scheme rules, regulatory reporting, AML and KYC workflows and a full audit trail support compliance across regions.
Yes. The entire payments stack, from the wallet and cards to merchant acceptance and checkout, ships under your own brand, without a ground-up build.
Commercial banks, community banks, payment processors, mobile operators, retailers, airlines and other enterprise organisations that want to modernise their payment infrastructure and customer payment experiences.
An enterprise payments platform provides the infrastructure to process, orchestrate and manage digital payments across every channel. It combines digital wallets, transfers, card issuing, merchant services and APIs that connect to your existing systems.
Whether launching a new digital wallet, modernising payment services or improving merchant experiences, YouPay provides the enterprise platform to accelerate digital transformation.
Let shops accept your cards and eWallet by QR code, tap and online.
One API connects YouPay to your core banking, card and risk systems.