Your Complete
Payments Operation.
Ready to Deploy.
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Platform + expertise + knowledge transfer — all in one. UNAK replaces your entire payments department from day one, with no per-transaction fees and no vendor lock-in. You go live in weeks, not years.
Full-featured
Off-the-shelf, on par with best SaaS solutions.
Total Control
Full control of infrastructure and data
Predictable Pricing
License fee, not per-transaction. Save up to 80% vs PSPs.
Low TCO
Optimize your operational budget
Expert Onboarding
Our team runs it with you from day one.
Why payment infrastructure is broken
- Infrastructure is standardized, but implementation is not. 95% of payment code is identical across companies, yet businesses build it from scratch every time.
- Fragmented & Incompatible. Current solutions are isolated silos that don't talk to each other.
- The Cost of Inefficiency: $2+ Trillion in annual transaction fees paid for technology that should be a commodity.
- Product, not Service. We replace expensive custom development with a standardized, reference infrastructure.
- Economies of Scale. UNAK delivers the "Core 95%" out-of-the-box, eliminating the need for redundant software development.
- True Commoditization. We do for payments what Cloud did for servers: standardize the rails so enterprises can focus on their business, not the plumbing.
Enabling acquirers, banks, and enterprise merchants to
Run Stripe-like payment platforms in-house — under their own brand, with full data ownershipFrom zero to full payments operation — in three steps
No internal payments team needed. We bring the platform, the engineers, and the knowledge. You get a live, production-ready operation — and full independence from day one.
Our fintech engineers install UNAK on your servers or private cloud. We connect your processors, configure routing rules, and go live. You don't need a single payments hire.
Weeks, not monthsFor the first 6 months, our team works alongside yours. We handle optimization, routing, compliance, and troubleshooting. Your team learns by doing — not from a manual.
6-month knowledge transferYou own the platform, the data, the code, and the logic. Extend it yourself, hire a team, or keep us on retainer. No dependency, no lock-in, no per-transaction tax — ever.
Full independenceReal-world use cases
Offer convenient payment options to customers worldwide. Scale gracefully with local payment methods and third-party APIs. Run every transaction through the best provider and re-route failed attempts. Make the most out of your payment data. Manage risk with robust security practices.
Top notch payment gateway features- Improved scalability
- Smart transaction routing
- No vendor lock-in
- Data ownership
- Risk prevention & security
Setting the standard in payment industry
Payment acceptance orchestration
Payment acceptance collecting
Marketplace
Custom payment method
Custom wallet
Co-branded cardsTop-tier functionality, out of the box
Future-Proof Architecture
UNAK's adaptive ecosystem is engineered to scale with your business. New local payment methods, regional regulations, and third-party integrations are absorbed seamlessly — without disruption to your live infrastructure.
We collaborate with enterprise clients to build platform capabilities that meet specific business requirements. Your competitive advantage is built directly into the architecture.
Get in touchEnterprise-grade trust signals
Built for regulated environments. UNAK meets the compliance requirements of banks, acquirers, and enterprise merchants across Europe and beyond.
guaranteed contractually
extend and customise freely
across all production environments
procedures in place
Installed on your own servers. Full data sovereignty. No cloud dependency. Meets strictest regulatory requirements.
Most commonDeployed in your private cloud environment (AWS, Azure, GCP, or your own data centre). Full isolation guaranteed.
AvailableCore logic on-premise, selective services in cloud. Balances control with operational flexibility for growing operations.
AvailableZero-downtime migration.
We've done it before.
Every business comes with a legacy system. Our engineers have migrated payments infrastructure from Nets, ACI Worldwide, in-house builds, and major PSPs — without a single hour of unplanned downtime.
We audit your current stack — PSP contracts, integration points, token vault, fraud tooling, reconciliation flows. We map what stays, what moves, and what improves.
1–2 weeksUNAK runs alongside your existing system. Both process live transactions. We compare results, validate routing logic, and confirm compliance — before any cutover.
4–8 weeksExisting card tokens are migrated to the UNAK Tokenization Vault with zero customer re-authentication. Existing contracts with Visa/Mastercard and acquirers are preserved.
Transparent to cardholdersTraffic shifts progressively — 5% → 25% → 50% → 100%. Full rollback capability maintained at every stage. No big-bang migrations.
Rollback at any stageUNAK handles 100% of traffic. Legacy system decommissioned on your schedule. Post-migration monitoring for 30 days included.
Full support post-launchLicense fee, not transaction fee.
The difference is massive.
Every PSP and orchestrator charges a percentage of every transaction — forever. With UNAK, you pay once for the infrastructure and keep the margin.
- ✓ You own the platform and code
- ✓ You own all transaction data
- ✓ Unlimited transaction volume — same cost
- ✓ Open integrations — add any processor
- ✓ Extend and customize without restrictions
- ✓ 6-month expert onboarding included
- ✓ 99.9% uptime SLA contractually guaranteed
- ✗ Vendor owns the platform
- ✗ Vendor owns or limits your data
- ✗ Cost scales with every transaction
- ✗ Limited integrations — vendor catalogue only
- ✗ No customization outside roadmap
- ✗ Vendor lock-in from day one
- ✗ SLA tied to vendor's uptime, not yours
Most businesses only see the headline PSP rate. Below are all the layers of cost — many hidden in the small print.
UNAK vs SaaS vs in-house
| UNAK | SaaS Orchestration | In-house Solution | |
|---|---|---|---|
| Ownership & Control | |||
| Customer owns payment data | ✓ | Partially | ✓ |
| Customization & Extension | ✓ | No | ✓ |
| Run by client (no SaaS dependency) | ✓ | No | ✓ |
| On-premise / private cloud deployable | ✓ | No | ✓ |
| Cost | |||
| Per Transaction Fee | No | Yes | No |
| Initial Cost | Low | Low | High |
| Maintenance Costs | Low | Low | High |
| Extension Costs | Low | Not possible | High |
| Implementation & Support | |||
| Time to Market | Short | Short | Long |
| Expert onboarding included | ✓ | No | No |
| Zero-downtime migration support | ✓ | No | No |
| 99.9% Uptime SLA | ✓ | Varies | No |
| Compliance & Security | |||
| PCI DSS Level 1 | ✓ | Vendor's scope | Must certify yourself |
| Data residency / GDPR | ✓ | Limited | ✓ |
| DORA (EU) — gap assessment | Available | Varies | Must implement |
| Payment Method Support | Large open catalogue | Size dependent | Costly |
Real outcomes. Real clients.
Names withheld by agreement. Numbers are real.
Proven in production
& Financial Services
Built by engineers who've shipped payment infrastructure at enterprise scale
The UNAK core team has spent 15+ years inside the payments industry — not observing it. We've architected, integrated, and operated payment systems for some of Europe's largest financial institutions and enterprise merchants. We know what breaks at scale, what regulators expect, and how to get from zero to live without disrupting your business.
Expert-Led Onboarding.
Guaranteed.
Our team of elite fintech engineers guarantees seamless deployment in complex enterprise environments. We deliver a complete, production-ready payment infrastructure — not a package of support hours.
A dedicated team of senior fintech engineers works alongside your team from day one — ensuring integration with your enterprise stack is flawless, PCI/PSD2/GDPR compliant, and production-ready before go-live.
Post-launch, our engineers monitor transaction success rates, routing performance, and system health — proactively resolving issues before they impact revenue.
Built on industry-leading standards
UNAK is built using best industry standards and practices, including high reliability and resilience, low transaction latency, compliance to PCI, GDPR, PSD2, data retention policies, and more.
We share our thoughts and insights about these technologies in depth in our regularly maintained blog.
The confidence in our promise comes from 15+ years of experience
Born from building custom payment infrastructure for leading financial institutions and enterprise customers worldwide — including J.P. Morgan, Nexi, Worldline, Volkswagen Financial Services, and Mercedes Pay.
