The payments core with multi-currency orchestration. White-label digital wallet infrastructure deployed across 70+ countries for banks, telcos, and retailers.
Ship the entire payments stack under your own brand — wallet, cards, merchant acceptance and checkout — accelerating time-to-market for new payment products without a ground-up build.
A clean REST API and webhooks connect YouPay to your core banking, card management, ledger, CRM and risk tools — extending existing enterprise infrastructure rather than replacing it.
Multi-currency, multi-market and multi-scheme support built in from day one, so you can launch new payment services across regions on one enterprise platform.
YouPay brings the capabilities most organisations run across fragmented systems — wallets, transfers, card issuance, merchant acceptance, orchestration and fraud prevention — into one modular enterprise platform, reducing operational complexity and creating new revenue opportunities.
Multi-currency enterprise wallet with configurable account types, balance management and transaction limits — the foundation for branded consumer and business wallets that deepen customer relationships and lift payment frequency.
P2P, P2B and B2B transfers with real-time processing and configurable approval workflows, giving organisations the payment rails to launch new services and improve operational efficiency.
Virtual and physical card issuance with real-time controls, spend limits and instant freeze — integrated with wallets, merchant services, banking and loyalty for a connected customer experience.
QR, NFC and online acceptance with intelligent routing, instant settlement and merchant onboarding, analytics and engagement tools that extend the value of merchant relationships.
AI-assisted fraud monitoring with sub-100ms decisioning and configurable risk rules per market, supporting analyst workflows without replacing existing risk investments.
Route, switch and reconcile across multiple payment methods, schemes and partners through a single enterprise control plane — improving resilience, operational flexibility and settlement clarity.
YouPay processes billions of transactions across 70+ countries. The cloud-native microservices architecture scales horizontally to handle any volume without performance degradation — giving enterprise payments teams the headroom to launch new products faster and modernise infrastructure progressively.
Add capacity on demand — throughput grows without taking the platform offline, so payment adoption can grow without operational friction.
Resilient by design, with a contractual availability commitment behind every enterprise deployment.
Authorise, route and settle in the time it takes a page to paint — supporting real-time customer experiences and merchant expectations.
Traffic runs across regions simultaneously with automatic failover, protecting critical payment services from localised disruption.
YouPay includes pre-built compliance frameworks for each market — local payment scheme rules, regulatory reporting and AML/KYC workflows — reducing the compliance overhead of launching new payment services across regions.
Local rules ship with the platform, so enterprise teams can enter new markets without rebuilding compliance foundations.
Connect to domestic and international schemes through one enterprise integration, extending existing acquirer and issuer relationships.
Filings generated on each market's schedule, freeing operations teams to focus on payment product outcomes.
Every action logged and traceable end to end — evidencing controls for internal audit, external audit and regulators.
Enterprise payment infrastructure that moves money across every channel, currency and border in real time — extending what banks, telcos and retailers already run. — The YouPay Platform principle.
However money needs to move — consumer wallet, merchant acceptance, cross-border remittance or embedded payments — YouPay provides the enterprise payments layer underneath it.
Consumer and business wallet products for banks, telcos and fintech platforms — deepening customer engagement and creating new payment revenue opportunities.
ExploreWhite-label payment gateway and orchestration infrastructure for PSPs and acquirers, extending existing merchant portfolios with modern acceptance.
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ExploreCommon questions organisations ask when evaluating a modern enterprise payments platform.
Talk to our team about your payment infrastructure requirements.