Orchestration, now at the counter.
Every online payment gets a routing decision. At the counter, there is none. The same engine, now behind the physical terminal: multiple acquirers, real routing, one ledger.
Lower cost per sale
With several acquirers behind the same terminal, every transaction takes the cheapest viable route — and acquirers compete for the volume instead of holding it by default.
Higher approval at the register
Transactions go to the acquirer most likely to approve them. If a host goes down, the sale leaves through another route instead of failing at the counter.
Know who is paying in store
Card-present and online land in the same ledger and against the same customer record, so a sale at the counter belongs to someone you recognise rather than an anonymous card number.
Routing, cascading, tokenization and reconciliation already decide your online payments. In-Person Payments puts the same engine behind the counter.
Most of the money still moves in person.
Only 15% of what consumers pay merchants moves through digital channels — $6.8 trillion a year. The other 85% is paid in person: $37.8 trillion. Almost none of it gets a routing decision.
Consumer-to-merchant value · worldwide, annual
Digital
$6.8T 15%
In person
$37.8T 85%
Each square = 1% of the total
Routing across the fleet you already own.
In store, the terminal has historically belonged to the acquirer — and an acquirer has little incentive to let competitors bid for the same transaction. Yuno removes that limit for merchants who own their fleet: we sit between the terminal and the acquirers and route every sale across the ones you have connected. The flow at the till does not change — the payer taps, the register prints the receipt.
Know who is paying in store.
Online you know who bought — the account, what they bought before, what they returned, whether they are worth winning back. At the register you have a card number and an amount. Yuno matches the in-store payment to the customer you already hold online, so the counter becomes a channel you can measure, market to and build loyalty on.
One buyer · two channels
Online checkout
Account · orders · lifetime value
At the counter
Card present · same buyer
maria@acme
ONE CUSTOMEROne terminal, every acquirer.
POS Orchestration puts multiple acquirers behind a terminal fleet you already own. Each sale is routed on cost, approval odds and host health, through a single integration and into unified reporting.
Candidate routes
ILLUSTRATIVEApproval odds level → cheapest route wins
Or no terminal at all.
Tap to Pay turns a standard Android device into the acceptance point — contactless, with no dedicated POS terminal to buy. Same routing engine, same vault, same ledger.
Acceptance without a dedicated terminal
ANDROID DEVICE
MX$340
Tap to pay
Most of the money moves in person. None of it gets a routing decision.
The market at the counter
Worldpay Global Payments Report 2025, on 2024 consumer-to-merchant value worldwide. Market figures, not Yuno volumes.
85%
Of consumer value paid in person
$37.8T
Paid at the counter every year
Bringthedecisiontothecounter.
Bringthedecisiontothecounter.
Talk to our team about orchestrating your in-person payments.