PayPal in 1–4× on one slice, card on the rest, prepaid for the unbanked — all in a single checkout. UnifyPay orchestrates. The merchant receives one settlement. We don't compete with Klarna or Alma; we combine what they can't.
Pick one or more payment methods — bank account, no bank account, or both on the same order.
UnifyPay wallet — all rails → 1 merchant payout
Klarna, Alma, and PayPal each handle one payment method. Stripe settles one rail at a time. Nobody lets a customer split one purchase across PayPal installments + card + prepaid — and still pay the merchant once.
Licensed EMI partners hold funds. UnifyPay is the orchestration layer — we route split payments, never custody money on our balance sheet.
Customer allocates: PayPal in 1–4×, card now, or prepaid/cash — one cart, multiple rails.
Each slice credits the UnifyPay wallet via PayPal, card acquirer, or prepaid partner APIs.
Merchant gets one payout. No split reconciliation. No chasing multiple PSP statements.
Shopify, WooCommerce, custom API — add rails without rebuilding checkout.
~2.1 million people in France are on FICP/FCC registers. They can't get credit cards or BNPL — but they still shop online. UnifyPay routes their prepaid, cash, and reloadable-card payments into one merchant settlement.
Paysafecard, Neosurf — buy a one-time code with cash, enter it at checkout. No account, instant credit.
Instant · Disposable codePCS, Transcash, Nickel — recharge with cash, pay online like a debit card. Reusable payment instrument.
Instant · Works like CBBarcode generated at checkout → customer pays banknotes at tabac or post office. Async confirmation within 24 h.
Deferred · No card or codeBNPL requires a credit check — not available for FICP profiles. Prepaid codes and cards use deferred capture: verified and reserved at entry, debited only when the wallet hits 100% and the merchant is paid. Abandon = automatic release within 30 minutes.
Regulatory-first expansion: EU EMI partnership → UK FCA → US state-by-state. One brand, local compliance.
PSD2 passporting · Luxembourg / France HQ · Mangopay / Lemonway rails
Phase 1 — 2026FCA authorized partner · GBP + EUR wallets
Phase 2 — 2027Stripe Connect + local BNPL (Affirm, Afterpay) orchestration
Phase 3 — 2028+Pre-seed to secure EMI partnership, ship merchant pilots, and own the category no BNPL or PSP covers today: multi-rail split → single settlement.
Target: €1.5M pre-seed · 18-month runway · EMI LOI + 10 pilot merchants
No account needed — just confirm it's you before payment. Required for cash relay barcode & order confirmation.
Show this barcode at any partner tobacco shop or post office
€1,000 sent to merchant in one settlement. 3 funding sources consolidated.