Unipaas

Unipaas is a managed embedded-payments service for SaaS products, marketplaces and enterprises that want branded checkout without building every payment operation themselves. It is strongest for platforms that need merchant onboarding, account management and payouts alongside payment acceptance. The main drawbacks are quote-based purchasing and a PCI certification requirement for its API-only checkout.

Overview

Founded in 2020 and headquartered in London, Unipaas combines payment collection with the operational work behind a platform economy. It serves digital services, independent software providers, gig-economy platforms, and B2B and B2C marketplaces. Its teams offer integration assistance and tailored payment journeys, with support provided in English.

Key features

Payment acceptance and integration

Card coverage includes Visa, Mastercard and American Express, with Strong Customer Authentication support. Bank transfers, Apple Pay and Google Pay broaden the methods a platform can offer. Payment links, hosted checkout, a Web SDK and a pay-in API provide implementation choices for different product architectures.

The limitation matters for security-conscious teams: the server-to-server API-only checkout is unavailable to platforms without PCI certification. Those businesses need to use a hosted, embedded or SDK route instead, which may affect an intended checkout design.

Accounts, money movement and risk

Unipaas lets platforms manage merchant accounts, view balances, set commissions and transfer funds. Split payments, flexible payouts and full account management suit marketplaces that must allocate money among sellers, contractors or other participants rather than simply charge an end customer. E-invoice payments add a collection route for business transactions.

Onboarding can run through a hosted link, embedded interface or API, while Unipaas handles KYC and KYB checks. Its managed risk scope also covers AML checks, disputed payments and regulatory risk. The company says automated checks achieve 80% automatic approvals and can allow payment collection to start the same day onboarding begins; that claim points to a potentially valuable reduction in operational delay, particularly for high-volume onboarding.

Subscriptions and automation

The subscription product supports multiple plans, free trials, ramp pricing and promotional offers. It also includes payment retries and controls to renew, modify, pause or cancel plans, giving SaaS teams the lifecycle controls needed for more than a single recurring charge.

Unipaas says AI assists onboarding, conversion improvement, declined-payment recovery, payment messaging, reporting and revenue recovery. Industry examples include Tax-Free Childcare tools for nurseries, an AI Copilot for invoice follow-ups, POS terminals and QR codes for field teams. These examples suggest broader workflow coverage, but the core value remains the managed payments infrastructure.

Security and compliance

Unipaas states that it is SOC 2 Type 2 certified, PCI DSS Level 1 certified and authorised and regulated by the UK FCA as a Payment Institution under licence 929994. Those credentials are relevant to platforms that need a regulated payments partner, although they do not remove the PCI requirement imposed on customers choosing the API-only checkout path.

Pricing

Unipaas uses custom pricing. Fees are tailored to the business model, transaction volumes, payment rails and growth ambitions, with prospective customers directed to book a demo for a personalised quote. This structure can fit a platform with unusual payment flows or significant volume, but it prevents a smaller team from estimating cost before a sales conversation.

There is no published free plan, trial term, seat allowance or renewal schedule. Buyers should therefore clarify implementation charges, transaction economics, minimum commitments and how pricing changes as volumes or payment methods expand.

Platforms

Unipaas supports Android, iOS, web applications and API integrations. Its standard API and SDK coverage, combined with hosted and embedded options, makes it adaptable across a platform's products; the PCI restriction still determines which checkout architecture some teams can use.

Who it's for

Choose Unipaas when your SaaS or marketplace needs managed KYC and KYB onboarding, merchant accounts, commissions, balances, split payments and flexible payouts in addition to branded checkout. Subscription-heavy SaaS businesses can also benefit from trials, promotional pricing and retry controls. It is less suitable for a buyer who needs transparent self-serve pricing or an API-only server-to-server checkout without PCI certification.

Pros and cons

Pros

• Broad payment coverage: Cards, bank transfers, Apple Pay, Google Pay and e-invoices support varied customer journeys.
• Marketplace operations: Merchant accounts, commissions, balances, transfers and split payments address money movement beyond checkout.
• Managed compliance work: KYC, KYB, AML and dispute handling reduce the in-house burden for platforms onboarding many merchants.
• Strong subscription controls: Trials, ramp pricing, offers, retries and lifecycle actions cover complex recurring plans.
• Regulated security posture: SOC 2 Type 2, PCI DSS Level 1 and UK FCA authorisation provide important assurance for enterprise buyers.

Cons

• Custom pricing only: Without a public price, smaller teams cannot compare costs quickly or budget confidently.
• PCI gate on API-only checkout: Non-certified platforms must choose another integration pattern.
• English support: Teams requiring support in another stated language may need to make separate arrangements.

Alternatives

Embedded Payments Platforms is the broader category to review when you want to compare embedded-payment products. Payment Facilitation Platforms is the better starting point when facilitation capabilities are your primary requirement.

Checkout.com is worth considering if you want a free option for registered charities alongside tailored paid pricing. Stripe Connect suits platforms that prefer Stripe to handle pricing and collect processing fees from connected accounts, with no platform fee on that plan. NMI, DreamPay, PayPal Multiparty Payments, WePay, Flute Embedded Payments and Stax Connect are alternative paid platforms; their fit depends on the payment model and commercial terms you negotiate.

Verdict

Unipaas is a strong choice for SaaS and marketplace platforms that want one managed service for branded payments, merchant onboarding, subscription billing and fund movement. Its breadth of payment methods and operational controls is the main reason to choose it. Look elsewhere if published pricing is essential or if your architecture requires API-only checkout without PCI certification.