7 UniPay Gateway Alternatives to Consider in 2026

Disclosure: This commercial comparison is published by Akurateco. Information about third-party platforms is based on publicly available provider websites and documentation reviewed on October 8, 2026. Products, features, integrations, and availability may change. The descriptions reflect Akurateco’s understanding of the cited materials and should be verified directly with each provider before making a purchasing decision. All third-party names and trademarks are the property of their respective owners, are used for identification purposes only, and do not imply any affiliation or endorsement.

United Thinkers describes UniPay Gateway as commercial open-source software and offers it as a hosted service or under a software licence that gives the licensee the source code. Below are seven platforms that PSPs, acquiring banks and ISOs can consider alongside UniPay Gateway.

About UniPay Gateway

UniPay Gateway is payment gateway software from United Thinkers. It is offered as Payments as a Service, as a white-label gateway hosted by UniPay, or as an On-Premises licence that includes the source code.

Documented capabilities:

• 100+ bank integrations, several processors per merchant and retries of soft-declined transactions
• Hosted white-label gateway and Payments as a Service, upgradable to the On-Premises edition
• On-Premises licence with source code, run on the licensee’s servers with its own acquirers
• Branded payment pages, statements, receipts and notifications at system, reseller and merchant level
• Merchant underwriting support, an onboarding API and management of portfolios, resellers, users and roles
• Merchant fee collection with pricing models, plus reseller commissions and residuals
• Card and bank account tokenization, and fraud rules with AVS and CSC checks and a blacklist
• Reporting and reconciliation, with custom reports, exports and merchant statements
• Implementation services and technical and operations support, with documented APIs

Use cases:

• PayFacs and aggregators onboarding merchants and processing payments
• ISOs and ISVs offering payment processing under their own brand
• SaaS platforms adding payment acceptance or becoming PayFacs
• Investment companies consolidating payment processing for portfolio companies
• Companies running the gateway in-house with source-code access

Sources: UniPay Gateway Official Website

Source information checked October 8, 2026.

7 UniPay Gateway Alternatives

Akurateco, the publisher of this page, comes first. The other vendors are in alphabetical order, not ranked.

Akurateco

Akurateco is a payment software vendor. Its white-label payment software covers a white-label payment gateway and a payment orchestration platform, for PSPs, acquiring banks and ISOs that want to launch, operate, and scale branded payment infrastructure without building the technology from scratch. Akurateco is not a payment processor, and clients bring their own acquiring.

Akurateco combines white-label gateway infrastructure with merchant management, tokenization, fraud controls, reporting, billing, and payment operations support.

Documented capabilities:

• 700+ connections to global and local payment providers and payment methods, listed on the connectors page
• White-label branding across payment interfaces, dashboards, merchant portals, domains, and applications
• Routing, cascading, retries, and failover rules based on provider performance, geography, and transaction data
• 150+ configurable fraud rules and third-party risk integrations
• SaaS onboarding typically completed within 2-5 business days; additional connectors typically delivered within 10-20 business days
• Tokenization and vaulting, including network tokenization
• Centralized reporting across PSPs, acquirers, payment methods, and transaction flows

Use cases:

• PSPs launching a branded payment gateway under their own name
• Acquiring banks adding merchant-facing payment gateway technology without developing infrastructure from scratch
• ISOs and payment consultants expanding into gateway services
• PSPs that need merchant management, billing, reporting, and fraud tools in one stack

Pricing: Discussed individually.

Sources: Akurateco Official Website

Source information checked October 8, 2026.

Cardstream

Cardstream provides white-label payment gateway technology for banks, PSPs, ISOs, acquirers, software companies, and other payment partners.

Documented capabilities:

• Rebranding of the whole platform, from the back office, payment forms and receipts to modules, billing and integration tools
• Cloud payment platform connected to the Open Payment Network through one API
• More than 400 connections in its network across acquirers, shopping carts, fraud services and payment methods, with support for 150+ alternative payment methods
• Connections to global acquirers and payment schemes, including integration with a partner’s own acquiring banks
• Hosted payment pages, hosted payment fields and direct API integration, with developer tools, test accounts and partner support
• Real-time routing tool that groups merchants and sets their priority order within each group
• Built-in fraud monitoring and prevention, with AVS and CV2 checks, 3-D Secure, country and card blocking, velocity limits and third-party fraud integrations
• Tokenization through cross-references for repeat and recurring payments, card storage and an account updater
• Merchant management system with real-time transaction data, permission-based user access and exportable reports for reconciliation
• Merchant boarding options, merchant invoicing and white-label invoicing for resellers

Use cases:

• Banks offering branded gateway services
• PSPs and ISOs managing merchant portfolios
• Acquirers providing gateway technology to merchants
• Software companies embedding payment acceptance
• Payment partners offering hosted or direct integration options
• Partners connecting several payment services through one API

Sources: Cardstream Official Website

Source information checked October 8, 2026.

See also: Cardstream alternatives.

Hyperswitch

Hyperswitch, from Juspay, provides open-source payment orchestration under the Apache 2.0 licence, self-hosted or as Hyperswitch Cloud.

Documented capabilities:

• 300+ PSP and acquirer integrations on the client’s own accounts, with a template for new connectors
• Routing on country, currency, amount and card data, with volume splits and success-rate or cost routing
• Retries on the same or another processor, a fallback order and deprioritization of processors with downtime
• Fraud checks through providers such as Signifyd and Riskified, blocklists, card-testing and 3DS rules
• Vault with tokens reusable across processors, network tokenization and Account Updater
• Analytics with success rates by connector and anomaly alerts, and two- and three-way reconciliation
• Organizations, merchant accounts and role-based access, with sub-merchant onboarding by API
• Multi-tenant white-labeling of the payment page and dashboard, with per-tenant branding
• Recurring payments with connected billing providers, payment links, and Apple Pay, Google Pay and PayPal
• Hyperswitch Cloud or self-hosting on premises or in the client’s cloud, with enterprise support tiers

Use cases:

• SaaS platforms and marketplaces onboarding sub-merchants by API
• Merchants moving from one PSP to routing across several
• Enterprises running their payment stack on their own infrastructure
• Subscription merchants that keep their billing provider

Sources: Hyperswitch Official Website

Source information checked October 8, 2026.

NMI

NMI provides white-label gateway infrastructure for organizations developing branded payment services across e-commerce, in-store, mobile, and self-service channels.

Documented capabilities:

• White-label gateway with partner logos, colors, custom domains and configurable account settings
• APIs, SDKs and developer tools for online, point-of-sale, mobile and self-service payments, with partner training and support
• Merchant onboarding, underwriting, boarding and account administration, with user permissions
• Connections to third-party processors and acquirers, with processors, value-added services and fee schedules assigned to each merchant
• Transaction routing and load balancing across processors and MIDs by volume share, ticket limit or merchant-defined fields
• Fraud rules by transaction value and volume, card-testing detection, 3-D Secure and Kount fraud screening
• Customer Vault and Customer Token Vault, including network tokenization and automatic card updates
• Recurring and subscription billing, plus direct merchant billing with commissions paid to partners and residuals calculation
• Merchant Central portfolio reporting on transactions, settlement, reconciliation and disputes across supported processors, with real-time analytics and dashboards
• Card, ACH, Apple Pay and Google Pay acceptance across digital and physical channels

Use cases:

• Banks, ISOs, payment facilitators and SaaS providers launching payment products under their own brand
• Software companies adding payment functionality to their platforms
• Organizations responsible for onboarding and administering merchant accounts
• Merchants accepting transactions through both online and in-person channels
• Companies managing subscriptions, repeat payments, or stored customer credentials

Sources: NMI Official Website

Source information checked October 8, 2026.

See also: NMI alternatives.

Payneteasy

Payneteasy provides a white-label payment gateway and orchestration platform for PSPs, banks, payment institutions, large e-commerce merchants and marketplaces.

Documented capabilities:

• 1,000+ integrations with acquirers, PSPs and alternative payment methods, with new connectors on request
• White-label checkout on the client’s subdomain, merchant portal, dashboards, reports and API documentation
• Multi-acquirer setups on the client’s own acquirer and PSP contracts
• Routing rules on country, card type, amount, currency or third-party check results
• Cascading of declines through a chain of acquirers, with traffic splits and statistics-based balancing
• 130+ configurable fraud filters with risk scoring, 3DS policies and third-party checks
• Card tokenization through Hosted Fields, plus tokenized card references for recurring payments and payouts
• Combined reports across connected PSPs, KPI and decline-reason analysis, reconciliation, and Excel and CSV export
• Merchant onboarding and management with user roles, sub-accounts, limits, per-merchant routing and rate plans
• Payneteasy-hosted infrastructure with a sandbox, launch guidance, training and 24/7 emergency support

Use cases:

• PSPs serving merchants under their own brand
• Banks and payment institutions adding new payment flows
• Large e-commerce merchants routing across several PSPs and acquirers
• Marketplaces handling split payments and seller onboarding
• Resellers that sign merchants on the gateway

Sources: Payneteasy Official Website

Source information checked October 8, 2026.

See also: Payneteasy alternatives.

paytech

paytech provides a modular white-label payment gateway and a payment orchestration product for PSPs, acquirers and merchants.

Documented capabilities:

• White-label gateway under the client’s brand, with customizable interfaces and several payment page designs
• Payment orchestration product connecting multiple PSPs and payment methods through one API
• 900+ integrations, with new connections, acquirers included, built on request
• Routing and cascading with failover, connector priorities and deposit-history rules
• Fraud Prevention module with identity and device checks, limits and block lists, plus anti-fraud integrations
• Reporting on success ratios, declines and chargeback ratios, with real-time monitoring and alerts
• Finance Module with invoicing, automatic reconciliation and settlement calculation
• Merchant fees, limits, sub-users and permissions, plus an Onboarding module with screening
• Payment links, recurring payments, Apple Pay, Google Pay and card tokenization
• SaaS delivery with deployment, training, custom development and 24/7 support

Use cases:

• PSPs that want a branded payment gateway
• Acquirers that want their own white-label gateway
• Online merchants connecting several PSPs through one API
• Payment providers moving to a multi-acquirer setup
• Payment providers adding modules to an existing product

Sources: paytech Official Website

Source information checked October 8, 2026.

See also: paytech alternatives.

Tranzzo

Tranzzo provides white-label PSP and payment gateway technology for companies that want to run payment services under their own brand.

Documented capabilities:

• White-label PSP and gateway as SaaS, with a branded merchant portal and client-domain payment pages
• Back-office admin panel and merchant dashboards, with onboarding to the client’s own procedure
• More than 330 ready-made integrations with banks and PSPs, several connectable at once
• 180+ payment methods and 190+ countries
• 30+ routing rules by region, currency and method, with cascading to backup processors
• Configurable anti-fraud rules with real-time checks on every transaction, and 3D Secure 2
• Card and network tokenization, with recurring, split and one-click payments and payment links
• Real-time transaction monitoring, analytics and customized reports
• APIs, plugins and SDKs, with integration support, 24/7 support and an account manager

Use cases:

• PSPs launching payment services under their own brand
• Payment companies managing merchants and transaction flows
• Companies that need a branded merchant portal and checkout
• Companies expanding payment-method and regional coverage

Sources: Tranzzo Official Website

Source information checked October 8, 2026.

Key Akurateco Capabilities

Akurateco provides the gateway and orchestration layer on top of acquirers and does not process transactions itself. It is a strong fit for PSPs, acquiring banks and ISOs that need white-label payment software to:

• Manage merchants, roles, limits, payment settings, and transaction flows from one system
• Configure merchant billing and invoicing
• Access real-time reporting, analytics, and reconciliation support
• Choose between SaaS, cloud-agnostic, and On-Premises deployment
• Use Payment Team as a Service for implementation and ongoing payment operations support

Akurateco’s infrastructure is PCI DSS v4.0.1 Level 1. The platform is deployed for licensed PSPs and banks under SAMA, QCB and FRA supervision. Client examples are on the case studies page.

How to Evaluate UniPay Gateway Alternatives

Each question starts from something UniPay Gateway documents about its own product (unipaygateway.com and unipaygateway.info, checked October 8, 2026). Put the same question to every provider on the shortlist, Akurateco included.

• Who runs the gateway, and what can you change? UniPay Gateway documents Payments as a Service, a hosted white-label gateway and an On-Premises licence that comes with the source code. Ask every provider, Akurateco included, which models it offers, who runs the infrastructure in each and what your team can customize.
• How are merchants onboarded, and at which levels are they managed? UniPay Gateway documents merchant underwriting support, an onboarding API and management of portfolios, resellers, users and roles. Ask every provider, Akurateco included, how merchants are onboarded and at which levels you can manage them.
• How are merchant fees and reseller commissions handled? UniPay Gateway documents merchant fee collection with pricing models, plus reseller commissions and residuals. Ask every provider, Akurateco included, how merchant fees are set and collected and whether reseller commissions are calculated.
• Which parts of the platform carry your brand? UniPay Gateway documents branding of payment pages, statements, receipts and notifications at system, reseller and merchant level. Ask every provider, Akurateco included, which interfaces and documents run under your brand and at which levels.

A longer list of criteria is in the provider selection criteria in our white-label gateway guide.

Conclusion

According to its website, UniPay Gateway comes in three editions, from Payments as a Service and a hosted white-label gateway to an On-Premises licence, with merchant onboarding tools, fee collection with reseller commissions, and branding down to merchant level. The choice between UniPay Gateway and the platforms above depends on who runs the infrastructure, the onboarding tools you need, how fees are collected and commissions calculated and where your brand must appear.

For PSPs, acquiring banks and ISOs comparing white-label gateway software, see how Akurateco works for PSPs.

Related comparison: Decta alternatives. The full list is on the alternatives page.

FAQ

What does UniPay Gateway provide?

UniPay Gateway gives PayFacs, ISOs, ISVs and SaaS platforms one system for processing, merchant onboarding, fee collection, tokenization, fraud rules and reporting. Source: unipaygateway.com, checked October 8, 2026.

What are the alternatives to UniPay Gateway?

This guide describes seven: Akurateco, Cardstream, Hyperswitch, NMI, Payneteasy, paytech and Tranzzo. Each profile is based on that vendor’s own website, checked October 8, 2026.

What should I check before choosing a UniPay Gateway alternative?

Check four things: who runs the gateway and what you can change, how merchants are onboarded and at which levels they are managed, how merchant fees and reseller commissions are handled, and which parts of the platform carry your brand. Ask every provider on the shortlist, Akurateco included, for written answers that match your setup.