# Orchestration, now at the counter.

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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.

## KEY BENEFITS
- 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.

## CAPABILITIES
### 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.
### 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 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.
### 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.

Metrics: 85% Of consumer value paid in person · $37.8T Paid at the counter every year