UniPay Gateway

Start with a simple goal: move money from customers to your business with as little friction as possible. UniPay Gateway lets developers plug in fast and gives operators clear controls from day one. Spin up a sandbox, drop the JavaScript or mobile SDK into your checkout, and tokenize cards instead of touching raw PANs. Enable saved credentials so returning customers pay in seconds. Add 3-D Secure where required and capture webhooks for payments, refunds, and disputes. Connect to your preferred processor or bank using built-in adapters; switch routes per card brand, BIN, or country through configuration, not a rewrite. Accept website payments in dozens of currencies and show local amounts while settling to your base currency.

Operations and finance teams get daily tasks streamlined. Map currencies, settlement timelines, and fee categories in the dashboard, then export reconciliation files via API or SFTP on your schedule. Create rules that steer transactions to local acquirers to reduce cross-border costs that often stem from correspondent banking chains. Monitor approval rates by region, adjust routing in real time, and compare processor performance. Handle partial captures, reversals, and refunds without contacting support. Use standardized reports for general ledger posting, and subscribe to chargeback alerts to start evidence workflows early.

For billing-led teams, recurring revenue is point-and-click. Configure subscription plans with trial periods, proration, and tax handling. Set up dunning steps (email, retries, alternative payment route) to recover failed renewals automatically. Generate pay-by-link invoices from the UI or API for one-off or B2B collections; customers open a secure page, select a method, and complete in their currency. On-site retail and field sales can accept cards through the POS SDK, while mobile staff take payments in-app with device-based readers. Gift cards are issued, loaded, and redeemed under one program, with balances synced across online and store channels.

When you expand to new markets, you don’t re-architect. Add local bank connectors, enable regional schemes, and test in sandbox before toggling live. Hosted fields and tokenization keep sensitive data off your servers to minimize PCI scope. Turn on rules for SCA and 3-D Secure to align with PSD2 and issuer preferences. Build custom workflows with webhooks and server-side APIs, or fork the open-source codebase to add unique connectors. Premium support provides SLAs, go-live checklists, and monitoring guidance so launches stay on schedule. With UniPay Gateway, your team iterates quickly, controls costs, and ships payment features with confidence.