Payment Orchestration Proposal

Your creators deserve
payments that
just work.

A personalised overview of how Yuno solves NAS.io's four core payment challenges — from LATAM approval rates to cutting your engineering lift to near-zero.

Prepared for NAS.io
Contact Alex Dwek, COO
Prepared by Leslie Lim, Commercial Director APAC
Date April 2026

01 — Executive Summary

Four Challenges.
One Orchestration Layer.

In our March sessions, Alex walked us through exactly where NAS.io's payment stack is creating friction — for the business, for the engineering team, and for creators. Here's how Yuno maps directly to each one.

📉
Challenge 01
High failure rates in Mexico & Colombia
"We're getting a lot of complaints especially in LATAM around how payments go through with other platforms but not with NAS."
→ Smart routing + PSP diversification beyond Ebanx lifts approval rates 5–15% in LATAM markets.
🔒
Challenge 02
Over-reliance on Ebanx
"We're heavily relying on Ebanx… fees are too high in certain markets. We want to use locals as well."
→ Yuno connects NAS.io to dLocal, Kushki, OXXO, SPEI, and more — all merchant-of-record providers, no new legal entity required.
⚙️
Challenge 03
Every new PSP is an engineering sprint
"Every time we want to integrate a payment method it's a hassle — and it's not just hassle, it's product prioritisation."
→ Integrate Yuno once. Turn on any new provider or payment method from the dashboard — zero engineering effort.
💳
Challenge 04
Fragmented checkout & PayPal complexity
"Installments require a redirect to the Ebanx page. PayPal flow is completely separate from everything else."
→ One unified checkout: embedded installments, PayPal, Apple Pay, Google Pay — all under NAS.io's own UI.

You're in good company. Yuno powers payment orchestration for Whop and Hotmart — creator economy platforms with comparable models to NAS.io, processing digital subscriptions and community memberships at scale across LATAM and global markets. They came to us for the same reasons you're evaluating us now.

02 — LATAM Strategy

Mexico & Colombia,
done right.

LATAM is NAS.io's #2 market and your fastest-growing region. The gap between your current approval rates and what's possible with the right PSP mix is significant. Here's how we close it.

+5–15%
Typical approval rate uplift after routing optimisation in MX/CO
1 API
Single integration — Ebanx, dLocal, Kushki all accessible
0 days
To activate a new LATAM PSP once you're live on Yuno
A/B
Test routing splits (e.g. 5% dLocal) before full cutover — no code required
🇲🇽

Mexico

Ebanx stays — but no longer your only option.

🏦

PSP Diversification

  • Keep Ebanx as a fallback — don't rip and replace, just de-risk
  • Add dLocal as an MoR alternative — broader local card coverage without a Mexico legal entity
  • Add OXXO (cash voucher) and SPEI (instant bank transfer) for unbanked creators
  • Route by card BIN: test 5% to dLocal, monitor approval rate lift vs Ebanx
📊

Smart Routing

  • AI routing trained on real-time approval signals — automatically shifts volume to best performer
  • Automatic retry on decline: if Ebanx fails, cascade to dLocal in milliseconds
  • Set performance thresholds: if any PSP drops below X% approval, traffic auto-redistributes
  • Full dashboard visibility: approval rates, fees, and volume by provider — in real time
🇨🇴

Colombia

Local infrastructure, not just cross-border processing.

🔀

Local Acquiring

  • Connect to Kushki — Colombia's leading MoR provider, significantly higher approval rates for COP transactions without a local entity
  • Add PSE (direct bank debit) — widely trusted by Colombian users for digital purchases
  • Add Efecty for cash-based communities where card penetration is low
  • Yuno's Juan Pablo and LATAM team have direct relationships with all these providers
🤝

Advisory, Not Just Tech

  • We don't just plug you in — we advise on which PSP for which flow in each market
  • Informed by how Hotmart and Whop have structured their LATAM stacks
  • Start with a 5% routing test to dLocal — validate, then scale without risk
  • Ongoing account management based in region — same timezone as your team
NAS.io Today → With Yuno

Today NAS.io processes LATAM almost entirely through Ebanx, with no fallback and no alternatives. With Yuno, you keep Ebanx where it performs, add dLocal as an MoR alternative for Mexico and Kushki for Colombia, and turn on local payment methods like OXXO, SPEI, and PSE — all without needing a LATAM legal entity, unlocking a segment of your creators who are dropping off today because they can't complete payment.

🗺️

LATAM Payment Method Coverage

Activate any of these via the Yuno dashboard — no new contracts, no engineering work.

Country Payment Method Type NAS.io Use Case Status
🇲🇽 MexicoOXXOCash voucherUnbanked creator subscriptionsAvailable
🇲🇽 MexicoSPEIInstant bank transferHigh-value plan upgradesAvailable
🇲🇽 MexicodLocalMoR — local card acquiringMoR fallback, no MX entity neededAvailable
🇨🇴 ColombiaPSEDirect bank debitTrusted local bank-to-bankAvailable
🇨🇴 ColombiaEfectyCash paymentUnbanked / cash-preferred usersAvailable
🇨🇴 ColombiaKushkiMoR — local card acquiringHigher COP approval rates, no CO entity neededAvailable
🇧🇷 BrazilPixInstant bank transferReal-time payments at zero MDRAvailable
🌎 LATAM-widedLocalFull-stack local paymentsMulti-country fallback layerAvailable

03 — Less Engineering Lift

Your engineers should
be building NAS.io,
not payment integrations.

Every new PSP today means a sprint, product prioritisation trade-offs, and months of maintenance. With Yuno, adding a new payment method is a dashboard configuration — not a code change.

⚡

Without Yuno

  • Every new PSP = weeks of engineering + QA
  • Competing with product roadmap priorities
  • Separate integration, testing, and monitoring per provider
  • Failure handling, retry logic, and reconciliation built in-house
  • Ebanx installments require redirect — no embedded option
🚀

With Yuno

  • Integrate once — all future providers are dashboard toggles
  • New markets and PSPs go live in days, not months
  • Yuno maintains all provider integrations on your behalf
  • Smart retry, cascading, and failure routing handled automatically
  • Embedded checkout via API — full control over UI, zero redirect

The real cost of the status quo: When your team debates "how big is the payment method problem vs this other feature", Yuno removes that debate entirely. Payment infrastructure becomes a business decision — not an engineering one.

🖥️

No-Code Routing Rules

Define routing logic without writing a line of code.

⚙️

Rule-Based Routing

  • Route by: card country, BIN, currency, amount, payment method, plan type
  • Set fallback chains: Primary PSP → Secondary → Tertiary — automatic
  • Performance thresholds: auto-redistribute if a provider drops below X% approval
  • Janet and the product team can own routing logic directly — no dev tickets
🤖

AI Smart Routing

  • ML models trained on real-time approval data across the entire Yuno network
  • Analyzes card type, issuer, country, and amount to pick the highest-approval route
  • Network-level intelligence: patterns from hundreds of merchants, invisible to any single one
  • Rules set the guardrails — AI optimises within them

04 — Checkout & Global Payment Methods

One checkout.
Every payment method.

NAS.io's checkout today sends users to the Ebanx page for installments, and PayPal is a separate registration flow entirely. Yuno unifies all of this — under NAS.io's own branded experience.

🎨

Two Integration Options

Keep your existing checkout, or use ours — your call.

🔌

Option A: API Integration

NAS.io keeps its own checkout UI. Yuno's API sits behind it, handling routing, tokenisation, and provider logic invisibly.

  • Embed installment options inline — no redirect to Ebanx or any third-party page
  • List all available payment methods (OXXO, PSE, cards, wallets) from a single API call
  • Full control over ordering, labels, and presentation
🧩

Option B: Checkout Builder

Use Yuno's no-code checkout builder — fully branded to NAS.io, customisable per country.

  • Drop-in component, minimal engineering required
  • A/B test payment method ordering and UI — no code changes
  • Localised automatically by currency and country
  • Faster to ship for new markets where NAS.io doesn't have a checkout built yet
💼

PayPal — Finally Fixed

Unified PayPal experience alongside everything else.

NAS.io's PayPal situation

NAS.io was blocked by PayPal due to a single bad actor, and spent months in customer support escalations before recently getting access to PayPal's Connected Path model. The current flow forces merchants to do a separate PayPal login — unlike Stripe Connect's seamless onboarding. With Yuno, PayPal appears as just another payment method in the checkout — same UI, no separate registration flow for the end user.

🏆

Payment Method Priority Order

Configure the order users see payment methods — no engineering ticket required.

  • Apple Pay / Google Pay — shown first where available, highest conversion
  • Cards — with embedded installments for LATAM
  • PayPal — unified in the same flow, no redirect
  • Local methods — OXXO, SPEI, PSE shown by country automatically
🔐

Vault & Token Management

  • PCI-L1 vault: store cards once, charge across any provider without re-collecting details
  • Network tokenisation: auto-updates when cards expire or are reissued — zero subscriber churn from card failures
  • Seamless subscription renewals: stored credentials route through best PSP at renewal time
  • Cross-provider retry: if Stripe declines a renewal, retry through Ebanx — same token, invisible to the creator

05 — Integration & Timeline

Live in weeks,
not quarters.

Given NAS.io's small engineering team, we've designed an integration path that minimises your team's time investment while getting you to value as fast as possible.

Week 1–2
Sandbox Access & Technical Alignment
NAS.io engineering team gets sandbox credentials. Janet and engineering review API docs and confirm integration approach (API vs Checkout Builder). Yuno SE available for direct support.
Week 3–4
Core Integration Build
Single API integration connecting Yuno to NAS.io's existing Stripe + Ebanx accounts. Vault migration for existing stored cards. Routing rules configured for MX and CO.
Week 5–6
LATAM Pilot Go-Live
5% traffic split to dLocal in Mexico as a live test. Monitor approval rates in real-time dashboard. Iterate routing rules with Yuno AM — no dev needed.
Week 7–8
Full Rollout & Local Payment Methods
Expand routing splits based on pilot data. Activate OXXO, SPEI (MX) and PSE, Efecty (CO) via dashboard. Checkout updated with Apple Pay, Google Pay, PayPal unified flow.
Ongoing
Account Management & Optimisation
Monthly routing reviews with your Yuno AM. New markets (Japan, additional LATAM) activated on demand. No engineering involvement required for future expansions.
🏗️

Integration Effort

One initial integration by 1–2 engineers. Estimated 2–3 weeks of dev time. All future provider additions are zero engineering effort.

📋

What NAS.io Needs to Provide

  • Existing Stripe + Ebanx API credentials
  • Confirmation of checkout integration approach
  • 1–2 engineers for the integration build
  • Janet / product to review routing rules pre-go-live
🔒

Security & Compliance

  • PCI DSS Level 1 (v4.0) certified
  • ISO 27001 and ISO 27701 certified
  • AES-256 encryption, TLS 1.3 in transit
  • GDPR compliant — data residency configurable

06 — Commercial

Let's align on this
together.

Commercial terms are tailored to NAS.io's volume, markets, and growth trajectory. We'll walk through this together once you've had a chance to complete your technical evaluation.

Pricing Discussion

We'd rather build something that makes sense for both sides than put a number in a slide. We'll walk through options based on your current volume and where you're heading.

07 — Next Steps

Three steps to
your first live transaction.

NAS.io is in a 2-week evaluation window. Here's how we make the most of it.

1
Sandbox access for Janet & engineering
We've spun up a NAS.io sandbox environment. Your team can test API calls, simulate LATAM transactions, and validate the checkout integration approach — credentials already shared.
2
Commercial alignment call with Alex & Kelvin
A short call with Leslie to walk through commercial structure — tailored to NAS.io's $20M volume and growth trajectory. No deck, just a conversation.
3
Pilot go-live: LATAM routing in 6–8 weeks
Sign, integrate, and run a live routing split in Mexico within 6–8 weeks. First approval rate data from real transactions — that's the proof of value, not a slide.

Ready to move forward?

Reach out to Leslie directly — let's turn this evaluation into a live pilot.

leslie.lim@y.uno

Built for businesses like NAS.io

Whop — Creator marketplace & communities
Hotmart — Digital products & subscriptions, LATAM-first