payUnite Payment Orchestration
Unify every channel. Accelerate every transaction.
The flexible, omnichannel payment orchestration platform. Independent. Scalable. Built for innovation.
40+ years of enduring relationships
Annual transactions
Global cruise market share
Continents operated in
Who we are
payUnite Payment Orchestration
payUnite is the next-generation payment orchestration platform from Fexco — a global leader with over 40 years of innovation in complex, regulated payment environments. Built to serve forward-thinking merchants and acquirers, payUnite unifies payment channels, simplifies cross-border transactions, and delivers a secure, scalable, and frictionless payment experience.
Already powering over one-third of the global cruise market, payUnite preserves independence and flexibility in how industry leaders connect with payment providers and value-added services.
How we help you
Designed for performance. Built for scale.
We don’t lock you in. payUnite works with your choice of acquirers, PSPs, and value-added tools – giving you the freedom to optimise your payment stack without vendor dependency.
payUnite is built for speed. Our flexible architecture integrates easily with existing systems – minimising disruption and getting you to market faster, whether you’re a merchant, PSP, or acquirer.
Stay ahead of global regulations with PCI-DSS compliance and built-in fraud prevention. payUnite ensures every transaction is secure, auditable, and compliant – reducing risk across the board.
Boost revenue and customer satisfaction with Multi-Currency Pricing and Dynamic Currency Conversion. Let customers pay in their preferred currency while reducing FX risk through our managed treasury features.
Deliver consistent and frictionless payments across online, mobile, in-store, and in-experience channels. payUnite unifies the customer journey, reducing complexity while improving satisfaction and conversion rates.
Consolidate multi-currency, multi-channel transactions into one view. Access real-time data, simplify reconciliation, and make smarter decisions with centralised, actionable analytics.
Industries
payUnite for cruise
The cruise industry is evolving fast—serving a global, digitally-savvy customer base with complex payment needs across every stage of the journey. payUnite is already trusted by over one-third of the global cruise market to streamline payments from booking to disembarkation. Our platform simplifies multi-currency transactions, enhances the guest experience, and ensures secure, compliant processing both on and off the ship.
Experience in key markets
Who we work with
Payments ecosystems built to connect
We support merchants across travel, hospitality, and retail with a flexible platform that simplifies payments, enhances customer experience, and scales with growth.
payUnite helps acquirers offer smarter, faster payment services – optimising transaction routing and simplifying compliance, without added complexity.
We enable PSPs to connect quickly, expand their reach, and deliver seamless, multi-channel payment experiences for their customers.
From fraud tools to BNPLs, 3DS to booking systems, we integrate with providers to deliver connected, secure, and efficient payment ecosystems.
Smart capabilities. Built-in flexibility
Real-Time API & Hosted Payment Options
Connect through flexible APIs including Real-Time, HPP (Hosted Payment Page), and APM Link - giving you control over how and where payments are processed across your systems.
Alternative Payment Methods (APMs)
Give customers more ways to pay with support for a wide range of alternative payment methods, including mobile wallets, e-wallets, and bank transfers - designed for global reach.
Orchestration & Dynamic Acquirer Routing
Optimise transaction performance with intelligent routing based on your business rules. payUnite selects the best acquirer path to maximise approvals and minimise cost.
Advanced Fraud Screening & 3DS Authentication
Protect your business with built-in fraud detection and 3D Secure authentication, helping you reduce chargebacks and maintain trust across all payment channels.
Fully Managed DCC & Multi-Currency Pricing
payUnite enables dynamic currency conversion and multi-currency pricing, helping you serve international customers, increase revenue, and reduce FX complexity.
Secure Tokenization & PCI Compliance
Replace sensitive payment data with secure tokens to protect customer information, reduce breach risk, and support PCI-DSS compliance across all environments.
Linked Refunds & Manual Authorisations
Handle exceptions with ease - manage linked refunds and manual authorisations directly within the portal, improving accuracy and control over back-office operations.
Real-Time Authorisations & Settlements
Upload transaction files through the payUnite portal to process authorisations and settlements in real time—enhancing the speed and accuracy of financial operations.
Automated Transaction Handling
Minimise manual processes and reduce errors with automated uploads, transaction handling, and reconciliation - freeing up resources for more strategic tasks.
Security
Built-in compliance. End-to-end security
payUnite is designed with security and compliance at its core—so you don’t have to compromise between innovation and regulation. Our platform is fully PCI-DSS compliant and continuously updated to meet evolving global standards, including GDPR and PSD2. With integrated fraud prevention tools, tokenisation, and secure data handling, we help you protect customer information, reduce risk, and stay audit-ready—across every market and payment channel.
