FOR FINTECHS, PAYMENT PROCESSORS AND ACQUIRERS

    The financial infrastructure to build your fintech on.

    API-driven infrastructure for fintechs and payment providers: wallets, cards, travel money, merchant acceptance, banking and loyalty. Build on our APIs or run the full stack under your own brand.

    Talk to a payments specialist →See how it works ↓
    PCI DSS compliantRuns on Microsoft Azure
    Example Arus wallet app and the fintech’s results
    Example figures, for illustration only.

    What fintechs and payment providers are up against.

    Launch financial products on ready-made building blocks.

    Wallets, cards, travel money, accounts and loyalty through one set of APIs, with a full sandbox for testing before go-live. Use only what you need and add more as your product grows.

    POWERED BY

    YouPayYouBankYouTravelYouReward
    • Branded digital wallets to store value, pay and transfer
    • Virtual and physical cards with spend controls
    • Multi-currency wallets and travel cards with live exchange rates
    • Points, cashback and offers added with a few API calls
    Talk to us about wallets and cards
    Example new Arus card: virtual card ready and physical card posted

    Acquire, onboard and settle merchants.

    White-label acquiring, processing and merchant onboarding, across card, eMoney and QR, with settlement and reconciliation built in.

    POWERED BY

    YouAcceptYouShop
    • Sign up, verify and activate merchants from Android and iOS apps
    • Card, eMoney, QR and contactless acceptance, including Tap to Phone
    • Settlement, reconciliation and merchant dashboards
    Talk to us about merchant acquiring
    Example merchant acquiring portal
    Example figures, for illustration only.

    Scale on a compliant, cloud-native platform.

    Youtap is PCI DSS compliant and runs on Microsoft Azure, with real-time fraud monitoring, tokenisation and encryption on every transaction.

    POWERED BY

    YouPayYouAcceptAI agents
    • Real-time switching and least-cost routing across rails
    • Fraud detection, chargeback management and dispute handling
    • ISO 8583 and ISO 20022 ready adapters for switches
    Talk to us about processing
    Example transaction routed and processed, with routing rules and a fraud check
    Example figures, for illustration only.

    AI AGENTS FOR FINTECHS

    AI that grows every customer you acquire.

    AI agents spot users who are going quiet, suggest the next product they are ready for, and answer support questions in your app. Fraud checks use the same data.

    • Spot users who are going quiet, from signs like fewer payments
    • Offer the next product: a card, a savings pot or a merchant upgrade
    • Answer support questions in your app, with a hand-over to your team
    How our AI agents work
    Example next best products picked for fintech users
    Example figures, for illustration only.

    How fintechs and payment providers use Youtap.

    Example card controls and weekly spending

    FINTECH

    A branded wallet and card.

    A fintech launches a digital wallet with virtual and physical cards in its own app, on Youtap’s APIs.

    What they launched
    A wallet and card programme
    Where customers use it
    In the fintech’s app and wherever cards are accepted
    The result
    A full payments product without building the stack

    MODULES USED

    YouPay

    Illustrative examples

    Built for every kind of fintech and payment provider.

    Fintechs

    Wallets, cards, travel money and loyalty on our APIs, under your brand.

    Payment processors

    Real-time processing, switching and settlement.

    Merchant acquirers

    Merchant onboarding, acceptance and settlement.

    Payment facilitators

    Tap to Phone and QR acceptance for small merchants.

    Build on our APIs.

    Youtap is built API-first: every capability is available through REST APIs, with OpenAPI specs, Postman collections, webhooks and a full sandbox. Your app keeps its own design; Youtap runs the wallets, cards and payments underneath.

    Complete REST API coverage

    Every capability is available through REST APIs.

    Sandbox before go-live

    Build and test everything in a full sandbox environment first.

    Webhooks for events

    Real-time event streaming with webhooks.

    Already on Youtap?

    If you already use a Youtap module, the others use the same system. You do not need to connect again.

    Fintech and payments FAQ

    Answers to common questions.

    01Can we build on Youtap’s APIs, or does Youtap run everything?

    Both. Build your own product on our APIs, or run the full stack under your brand. You can start with one module and add more later.

    02Will users see our brand or Youtap’s?

    Yours. The app, wallet, cards and payments carry your name and design. Youtap stays behind the scenes.

    03Which payment methods can merchants accept?

    Card, eMoney, QR and contactless, including Tap to Phone on merchants’ own phones.

    04Is there a sandbox for testing?

    Yes. A full sandbox, with OpenAPI specs and Postman collections, lets you build and test before go-live.

    05Is Youtap PCI DSS compliant?

    Yes, validated by an independent Qualified Security Assessor.

    06Can we start with one module?

    Yes. Start with one, such as wallets or merchant acceptance, and add others later on the same connection, without integrating again.

    07How long does a launch take?

    It depends on the modules you choose and the systems we connect to. A dedicated team delivers in two-week sprints, and we agree the timeline with you during discovery.

    08Where does Youtap run?

    On Microsoft Azure, with data kept in the region you choose.

    Still have a question?

    Talk to our team about your use case, integration or pricing.

    Talk to sales →

    Talk to us about your product.

    Tell us what you are building. We will show you how Youtap fits, on our APIs or as the full stack.

    Talk to Youtap →Request a demo

    YouPay

    Wallets, cards and payments under your brand.

    Explore YouPay

    Easy to connect

    REST APIs, SDKs and a full sandbox.

    Developers & APIs