Payment Acceptance, Switching & Orchestration

One Payments Layer Across Channels, Rails and Partners.

Unify payment acceptance, routing, switching, merchant operations, settlement and reconciliation behind a configurable transaction layer.

What the platform enables

UNIPHI Payments enables institutions to connect customer channels and merchants to cards,
bank transfers, wallets, QR schemes, mobile money and domestic payment rails through a governed platform.

Core capabilities

Payment gateway

Hosted and integrated checkout, payment links, API acceptance, refunds and merchant reporting.

Payment switch

Transaction routing, protocol translation, endpoint management, failover and transaction monitoring.

Merchant acquiring

Merchant onboarding, pricing, MDR/fees, terminals/QR, settlement and portfolio operations.

Payment orchestration

Route transactions by rail availability, cost, risk, performance and business policy.

Settlement & fees

Multi-party settlement, commissions, revenue shares, fees and configurable settlement cycles.

Reconciliation

Match platform, bank, scheme, partner and merchant records; route exceptions into operational workflows.

Architecture & operating model

Typical use cases

Bank payment hubs

PSP/aggregator platforms

Multi-rail payment gateway

National/interoperable payment connectivity

Marketplace payments

Simplify the payment stack without sacrificing control.

Bring acceptance, routing, settlement and financial operations into one governed layer.

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