UniPayGateway

What is UniPay Gateway

UniPay Gateway is a software solution for payment processing that helps businesses create and manage their own payment systems. It is made by the company United Thinkers LLC. The main purpose of UniPay Gateway is to give Payment Facilitators (PayFacs), Independent Sales Organizations (ISOs), and Software as a Service (SaaS) platforms the technology to handle payments under their own brand. This is known as a white-label solution. The platform supports omnichannel payments, which means it can process transactions from online stores, mobile devices, and physical point-of-sale (POS) systems. Businesses can choose to use UniPay as a service, get a white-label version, or buy a full software license which includes the source code for maximum control.

UniPay Gateway Features

UniPay Gateway offers a complete set of tools for managing a payment business. Here are its main features:

• White-Label Platform: You can put your own brand and logo on the payment gateway. This makes it look like your own technology to your customers.
• Merchant Onboarding and Underwriting: The system includes tools to sign up new merchants, check their risk, and get them ready to accept payments quickly.
• Omnichannel Payment Processing: Accept payments from many channels, including e-commerce websites, mobile apps, and in-person retail stores using POS terminals.
• Advanced Recurring Billing: Set up and manage subscription plans and recurring payments for your merchants. This is useful for SaaS businesses and other subscription models.
• Full-Cycle Chargeback Management: A complete system to handle payment disputes and chargebacks from the beginning to the end, helping to reduce losses.
• Flexible Merchant Remittance: Control how and when you pay your merchants. You can set up different settlement schedules and fee structures.
• Reporting and Reconciliation: Access detailed reports to track transactions, fees, and settlements. This helps with accounting and making business decisions.
• On-Premise Licensing: For large companies that want full control, UniPay offers a license to host the software on their own servers, including access to the source code.

UniPay Gateway Pricing Plans

UniPay Gateway does not have public pricing plans with fixed prices. Instead, they offer customized solutions based on the client's needs. The pricing depends on the model you choose:

• Payment as a Service (PaaS): This is a flexible model where you use UniPay's hosted platform. It is suitable for businesses that want a ready-to-use solution without managing the infrastructure.
• White-Label Payment Gateway: This plan is for businesses that want to offer a branded payment gateway to their customers. You get a customized platform but it is still hosted and managed by UniPay.
• Full On-Premise Software License: This is the most advanced option. It is for large enterprises or PayFacs that want complete control over the software, including the ability to modify the source code. This requires a significant investment and technical resources.

To get pricing, you must contact their sales team for a consultation and a custom quote.

UniPay Gateway Free Plan

UniPay Gateway does not offer a free plan or a free trial. This software is designed for large-scale payment operations and requires a custom setup and integration process. Interested businesses can schedule a demo with the UniPay team to see how the platform works and discuss their specific requirements.

How to use UniPay Gateway

Getting started with UniPay Gateway is a multi-step process that involves working closely with their team. Here is a typical workflow:

1. Consultation: First, you contact UniPay to discuss your business model, processing volume, and technical needs.
2. Select a Model: Based on the consultation, you choose the best option for your business: PaaS, white-label, or a full software license.
3. Integration and Deployment: The UniPay team helps you with the technical setup. This includes integrating with acquiring banks, configuring the platform, and migrating any existing merchant data.
4. Staff Training: UniPay provides training for your team on how to use the platform to manage merchants, transactions, and reporting.
5. Onboard Merchants: You can start using the system's tools to add your own merchants to the platform.
6. Process Payments: Once merchants are onboarded, they can begin processing payments through your new gateway. You can manage all activity from your administrative dashboard.
7. Manage and Reconcile: Use the reporting tools to monitor performance, manage chargebacks, and handle financial reconciliation.

Pros and Cons of UniPay Gateway

Pros:

• High Customization: The ability to white-label the platform or even get the source code offers unmatched control and branding.
• Comprehensive Features: It provides all the necessary tools for a payment facilitator, from onboarding to chargeback management.
• Omnichannel Support: It can handle payments from various sources, providing a unified solution for businesses with online and offline sales.
• Expert Support: The company provides guidance through the complex process of setup, compliance, and bank integration.

Cons:

• Complex for Small Businesses: This solution is not for small merchants but for businesses that want to become payment providers themselves.
• No Transparent Pricing: You cannot see the prices online; it requires a custom quote, which can make it hard to budget initially.
• Long Implementation Time: Setting up a custom payment gateway is a complex project that can take a significant amount of time.
• Requires Technical Knowledge: Especially with the on-premise license, you need a skilled technical team to manage the software.

UniPay Gateway Integrations

UniPay Gateway is built to integrate with the core components of the payment ecosystem. It does not have a public marketplace for third-party app integrations like CRM or marketing tools. Its integrations are focused on:

• Acquiring Banks: UniPay has over 100 existing integrations with acquiring banks and processors worldwide.
• POS Systems: The platform is compatible with thousands of EMV-certified POS terminal models for in-person payments.
• Third-Party Services: It can be integrated with other necessary services for fraud prevention, identity verification (KYC), and more through its API.

Specific integrations are planned and executed during the implementation phase based on the client's needs.

UniPay Gateway Alternatives

Here are some alternatives to UniPay Gateway for businesses looking to integrate and monetize payments:

• Stripe Connect: A very popular and developer-friendly platform for building marketplaces and SaaS platforms that process payments. It is known for its excellent APIs and documentation.
• Adyen for Platforms: A global payment company that offers a single platform to accept payments online, on mobile, and at the point of sale. It is a strong choice for large, international businesses.
• Payrix: A solution designed specifically for SaaS companies that want to embed payments into their software and become a Payment Facilitator.
• Tilled: Offers a PayFac-as-a-Service model that allows software companies to monetize payments with less of the compliance and regulatory burden of becoming a full PayFac.

UniPay Gateway API

Yes, UniPay Gateway provides a comprehensive API for developers. The API is essential for integrating the payment gateway with other software, building custom payment flows, and automating processes like merchant onboarding.

Access to the API documentation and keys is given to clients after they sign an agreement. It is not publicly available. The API allows developers to manage transactions, pull reports, handle recurring billing, and more.

An example of what an API call to process a payment might look like (this is a general example):

{
  "method": "POST",
  "url": "https://api.yourunipaygateway.com/v1/charge",
  "headers": {
    "Authorization": "Bearer YOUR_API_KEY",
    "Content-Type": "application/json"
  },
  "body": {
    "amount": 1000,
    "currency": "usd",
    "source": "tok_visa_card_token",
    "description": "Charge for order #12345"
  }
}

UniPay Gateway Affiliate Program

UniPay Gateway does not have a public affiliate program that anyone can join. Given its focus on enterprise clients, it more likely operates a partner program for consultants, developers, and other businesses that work with potential clients. These programs are usually based on referrals and custom agreements.

If you are interested in partnering with UniPay Gateway, the best approach is to contact their sales or business development team directly through their official website to inquire about partnership opportunities.