UniPay

UniPay offers a commercial open-source and white-label payment gateway platform for enterprises. Founded in 2007 and based in New York, it is aimed at PayFacs, ISOs and large merchants that want to build or run their own payment infrastructure.

Platform and products The product set listed by the company covers UniPay Gateway, UniCharge, UniRead, PayFac Onboarding, Split Funding, Chargeback Management and Source Code access. UniPay describes the platform as a foundation for building a full Payment Facilitator, with onboarding of sub-merchants, split funding of settlements and dispute handling in one stack.

Licensing model Delivery is either an open-source licence deployed on-premise or a cloud SaaS version. The source-code option is the main difference from closed gateways, since the buyer can host and extend the code itself.

Markets and clients Stated markets are the United States, Canada, the United Kingdom, the EU and Australia. Target clients are PayFacs, ISOs, SaaS platforms, acquirers and enterprises. Pricing is not published in the data provided, so licence and hosting terms should be agreed with the vendor.