Build, own, and evolve your payment stack without vendor lock-in. Platform + expertise + knowledge transfer – all in one. A truly modular and composable platform designed for financial institutions and enterprises that need control, flexibility, and scalability.
Total Control
Predictable Pricing
Low TCO
Expert OnboardingSelect a blueprint to see which Core modules it composes and which connectors it requires.
An enterprise orchestrates its own payment flows across multiple providers – the native UNAK use case. AuthN/AuthZ can be switched off when embedded in the owner ecosystem.
Seamless extensibility across payment rails, providers, and geographies
Merchants expect Stripe and Adyen-level services from their bank. Vendor dependency prevents you from giving merchants what they want – and you're paying per-transaction fees on volume you should own.
Launch PSP-grade offering under your own brand Own the volume – no per-transaction tax Full data & roadmap control On-premise deployable for regulatory compliance
Merchants increasingly expect Stripe-level product experience and time to market. Legacy architecture turns every new integration into a six-month project and leaves you competing on price instead of product.
Ship new integrations in weeks, not quarters Compete on product, not price Modular architecture – no monolith rebuilds Open ecosystem of pre-built connectors
Payment complexity compounds with every market you enter and every provider you add. You're locked into per-transaction fees on volume you've built, fragmented across systems with no consolidated view and no control over the roadmaps you depend on.
One consolidated view across all providers Stop paying fees on volume you've built Add markets without adding fragmentation Control your own payment roadmap
PSP fees that were manageable at launch become your biggest cost line at scale. Hardcoded settlement logic and single-provider dependency mean you have no room to move – and every new payment capability is a months-long project.
Turn your biggest cost line into owned infrastructure Flexible settlement & split-payment logic Multi-provider – no single-vendor dependency Add capabilities without months of dev
Competitors with payment infrastructure ownership are pulling ahead on product and margin. You're paying per-transaction fees on revenue you've generated, locked to a roadmap and a product ceiling that belongs to someone else.
Own your payments margin, don't rent it Embed payments as a product differentiator No product ceiling – extend freely Your roadmap, not your vendor's
UNAK goes beyond software. We partner with financial institutions, enterprises, and payment providers to design, launch, and scale modern payment ecosystems – combining infrastructure with the expertise to operate it.
Built for regulated environments. UNAK meets the compliance requirements of banks, acquirers, and enterprise merchants across Europe and beyond.
Payment Security
Regulatory ComplianceUNAK is deployable infrastructure – not a hosted black box. Install it where your regulations and architecture require.
Installed on your own servers. Full data sovereignty. No cloud dependency. Meets strictest regulatory requirements.
Most common
Deployed in your private cloud (AWS, Azure, GCP, or your own data centre). Full isolation guaranteed.
Available
Core logic on-premise, selective services in cloud. Balances control with operational flexibility.
AvailableEvery business comes with a legacy system. Our engineers have migrated payments infrastructure from Nets, ACI Worldwide, in-house builds, and major PSPs – without a single hour of unplanned downtime.
We audit your current stack – PSP contracts, integration points, token vault, fraud tooling, reconciliation flows.
1–2 weeksUNAK runs alongside your existing system. Both process live transactions. We validate before any cutover.
4–8 weeksExisting card tokens migrate to the UNAK Vault with zero customer re-authentication. Scheme & acquirer contracts preserved.
Transparent to cardholdersTraffic shifts progressively — 5% → 25% → 50% → 100%. Full rollback at every stage.
Rollback at any stageUNAK handles 100% of traffic. Legacy decommissioned on your schedule. 30 days post-migration monitoring included.
Full support post-launchEvery PSP and orchestrator charges a percentage of every transaction – forever. With UNAK, you pay once for the infrastructure and keep the margin.
UNAK provides a unified engine to process all types of payments — cards, wallets, APMs, and payouts — across POS, eCommerce, and mobile channels under a single platform.
UNAK's rule engine lets you design and deploy business logic across payment flows — instantly and securely.
PCI-DSS-ready tokenization engine to securely store and manage sensitive card data.
In-house 3D Secure server for handling SCA and liability shift — fully scheme-compliant.
UNAK automates the collection, normalization, and reconciliation of settlement data across providers, channels, and currencies — ensuring accurate payouts and operational efficiency.
Last updated: 23.07.26
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Last updated: 23.07.26
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| UNAKUNAK | SaaS OrchestrationSaaS | In-house SolutionIn-house | |
|---|---|---|---|
| Ownership & Control | |||
| Customer owns payment data | ✓ | Partially | ✓ |
| Customization & Extension | ✓ | No | ✓ |
| Run by client (no SaaS dependency) | ✓ | No | ✓ |
| Cloud agnostic / private cloud deployable | ✓ | No | ✓ |
| Cost | |||
| Per Transaction Fee | No | Yes | No |
| Initial Cost | Low | Low | High |
| Maintenance Costs | Low | Low | High |
| Extension Costs | Low | Not possible | High |
| Implementation & Support | |||
| Time to Market | Short | Short | Long |
| Expert onboarding included | ✓ | No | No |
| Zero-downtime migration support | ✓ | No | No |
| 99.9% Uptime SLA | ✓ | Varies | No |
| Compliance & Security | |||
| PCI DSS Level 1 | ✓ | Vendor's scope | Must certify yourself |
| Data residency / GDPR | ✓ | Limited | ✓ |
| DORA (EU) – gap assessment | Available | Varies | Must implement |
| Payment Method Support | Large open catalogue | Size dependent | Costly |
UNAK Solutions is a Bulgarian software company founded in 2024 and headquartered in Sofia. The company was established as a dedicated product organization focused on the development and commercialization of the UNAK payment infrastructure platform. Created as a spin-off from QaiWare's 15+ years of experience in mission-critical payment software, UNAK Solutions aims to make modern payment infrastructure more accessible, modular, and controllable. Our mission is to help organizations reduce dependency on rigid external platforms and costly custom development by providing a standardized yet flexible infrastructure layer that enables faster innovation and greater control over their payment ecosystem.
Born from building custom payment infrastructure for leading financial institutions and enterprise customers worldwide – including J.P. Morgan, Nexi, Worldline, Volkswagen Financial Services, and Mercedes Pay.
VW Financial Services
