Yuno, a payment orchestration company founded in Colombia in 2022, said on August 12, 2026, that it has raised $45 million in a Series B round led by Global PayTech Ventures. Andreessen Horowitz, Tiger Global, QuantumLight Capital, Monashees, Kaszek, Rasmal Ventures, Further Ventures, and GrowthX Capital also took part. The round is one more sign that investors see payment orchestration, the software layer between a merchant and the providers that actually process its payments, as a business in its own right.
How an orchestration layer works
A global merchant never works with just one provider. It may use one acquirer in Europe and another in Latin America, an aggregator for Asian wallets, a fraud engine, and sometimes a card tokenization provider. Each comes with its own API, file format, and settlement schedule. Orchestration hides those differences behind a single interface and decides, transaction by transaction, which route to take.
- Routing: picking the acquirer or payment method for each transaction based on country, currency, amount, and approval history.
- Failover: resubmitting an authorization declined for a technical reason to a second provider.
- Retries: reattempting a failed recurring payment at a better time, or reaching the customer through another channel.
- Tokenization: storing card credentials in a provider-agnostic vault, so that switching acquirers does not mean asking customers for their card details again.
- Reconciliation: normalizing each partner’s settlement reports into a common format.
The sales pitch rests on two claims. The first is a higher payment success rate, because a technical decline no longer turns into a lost sale. The second is a lower cost per transaction, because traffic goes to the cheapest partner for a given profile. The card networks, Visa and Mastercard , sit downstream of this layer. Orchestration replaces neither the acquirer nor the scheme; it chooses between them.
Yuno’s own numbers
Yuno says that over the past 12 months it recovered $5 billion in transactions that initially failed, lifted its customers’ authorization rates by about 5%, and saved them $500 million in processing costs. Customers it names include McDonald’s, NetEase Games, GoFundMe, inDrive, and Rappi. “Being local everywhere is the hardest problem in payments, and anyone starting on it today is at least two years behind,” said Juan Pablo Ortega, Yuno’s co-founder and CEO.
Local coverage is what Yuno is selling
An orchestration layer sells less on its algorithm than on its list of integrations. In April 2026, Yuno Payments Arabia received Payment Technical Service Provider (PTSP) certification from the Saudi Central Bank, a status that lets a technical provider operate without holding funds. A partnership with Tap Payments opened local rails including Mada, KNET, and NAPS across all six Gulf Cooperation Council countries. Yuno also has white-label agreements with dLocal and with Prosa, a Mexican payments processing network.
| Dimension | In practice |
|---|---|
| Domestic rail | Connections to national schemes, such as Mada in Saudi Arabia or KNET in Kuwait |
| License | Regulatory status to operate in the country, here the Saudi PTSP certification obtained in April 2026 |
| Acquiring partner | A bank or provider that can settle the merchant in local currency |
| Data format | Mapping each market’s own settlement reports into a common data model |
Where the money goes
- Research and development on the next generation of the platform.
- Expansion into in-person payments, which Yuno has not covered so far.
- Agentic commerce capabilities, meaning payments triggered by AI agents.
- Scaling its sales presence in the US.
- A path to profitability, which management expects in the year ahead.
Yuno is also promoting Nova, a set of AI agents that contact a customer by phone or messaging app when a payment fails because of insufficient funds, a declined card, or incomplete verification. The feature supports more than 70 languages. It is closer to soft collections than to payments proper, and it extends the retry logic that subscription platforms already use.
The round is modest next to what payment providers themselves raise. But it confirms that orchestration is no longer a feature. For global merchants, it has become a separate budget line, alongside acquiring and fraud prevention.