UniPayment

UniPayment is a regulated hybrid payment infrastructure provider serving FX/CFD brokers, e-commerce, and gaming businesses globally. The platform bridges traditional fiat payment processing with the digital asset economy, offering cards, bank transfers, e-wallets, and cryptocurrency payments through a single unified gateway. Founded in 2020 with seed funding from Evolve Technologies Ltd, UniPayment has grown to serve 1,000+ registered merchants across 190+ countries.

Regulation & Licensing

UniPayment operates through two main entities:

UAB UniPayment (Lithuania) - Registered company (registry code: 306661164). Authorised by the National Bank of Belgium (NBB) as an EMI Agent. Registered with the Banco de España under EU EMD2/PSD2 framework. VASP licensed in Lithuania.

UniPayment Canada Inc. (British Columbia) - FINTRAC registered Money Services Business (MSB registration: C100001150), authorised for foreign exchange, virtual currency services, remittance, and funds transmission.

Licence types held: EMI (Electronic Money Institution), Payment Institution (PI), Money Services Business (MSB), Acquirer / Payment Facilitator.

Strategic Partners

UniPayment has partnerships with BCB Group, Rapyd, Shift4, Mastercard, MetaQuotes (MT5), Praxis, Scorechain, and FXBO

UniPayment accepts brokers regulated across all major global jurisdictions including CySEC, FCA, ASIC, MAS, BaFin, CBI, AMF, CONSOB, SEC, CFTC, FinCEN, FINTRAC, FINMA, DFSA, ADGM, SCA, CBUAE, CMA/SAMA (Saudi Arabia), CBB (Bahrain), QFC/QFCRA (Qatar), FSC Mauritius, FSA Seychelles, BVI FSC, and FMA New Zealand. Other jurisdictions are considered case-by-case with substance requirements.

How It Works for Brokers

UniPayment provides a unified payment infrastructure that simplifies how FX and CFD brokers handle deposits, settlements, and withdrawals.

💳 Deposits

Traders fund accounts via cards (Visa/Mastercard), local bank transfers (SEPA, SWIFT, ACH, Fedwire, UK FPS, PIX, SPEI, Interac, NPP/PayID), e-wallets, or stablecoins (USDT/USDC/EURC/EURT). Smart routing selects the optimal acquiring channel for each transaction.

⚡ Settlement

Instant: Crypto (USDT/USDC), SEPA Instant, UK Faster Payments

T+1: SWIFT, ACH, Fedwire, card acquiring, PIX, SPEI, local rails

T+2: FX settlement, cross-border fiat-to-fiat

🏦 Withdrawals & Payouts

Client withdrawals, IB/affiliate commissions, vendor payments, payroll, and mass payouts are all managed from a single dashboard with batch transfer capabilities. Pre-approved beneficiary lists, transaction-level screening, and volume/velocity limits can be configured per broker.

🔗 Integration

MT5 Built-in | FXBO | B2Core | Praxis Cashier | PHP | Python | Java | Node.js | Go | .NET | Full Sandbox

🚀 Onboarding

Setup time: 1–2 weeks

Minimum volume: None

Pricing: Transparent tiered on request

💰 Pricing & Fees

Transparent, volume-based pricing with no hidden charges.

from 1% Crypto Processing

4%–8% Card Acquiring varies by region & method

£0 Setup & Monthly Fees no minimums either

✓ No setup fees ✓ No monthly maintenance fees ✓ No minimum volume requirement ✓ FX conversion at market-leading rates ✓ All fees visible within the merchant dashboard ✓ Custom quotes available for high-volume brokers via the sales team

🏦 Payout Processing

Instant — Crypto Payouts (same day)

2–3 days — Fiat Payouts (typical across all regions)

OFFICIAL MT5-LISTED PAYMENT PROVIDER

🔒 Fund Security

✓ Fiat funds safeguarded with regulated banking partners, held separately from company funds ✓ Crypto secured via Safeheron MPC wallet technology ✓ Real-time AI-powered fraud detection ✓ Automated AML screening and KYC verification ✓ Transaction monitoring via Scorechain and Chainalysis partnerships

🌐 Broker Jurisdictions Accepted

CySEC | FCA | ASIC | MAS | BaFin | CBI | AMF | CONSOB | SEC | CFTC | FinCEN | FINTRAC | FINMA | DFSA | ADGM | SCA | CBUAE | CMA/SAMA | CBB | QFC | FSC Mauritius | FSA Seychelles | BVI FSC | FMA New Zealand (Others considered on a case-by-case basis.)

Regulatory Compliance

Banco de España — EU EMD2/PSD2 compliant

PCI-DSS L1 — Global — Highest level of card data security compliance

🖥️ Infrastructure

99.99% Uptime — SLA guaranteed

Tier-1 Data Centres — Enterprise hosting

Full Sandbox — Integration testing

UniPayment accepts brokers regulated across all major global jurisdictions including CySEC, FCA, ASIC, MAS, BaFin, CBI, AMF, CONSOB, SEC, CFTC, FinCEN, FINTRAC, FINMA, DFSA, ADGM, SCA, CBUAE, CMA/SAMA (Saudi Arabia), CBB (Bahrain), QFC/QFCRA (Qatar), FSC Mauritius, FSA Seychelles, BVI FSC, and FMA New Zealand. Other jurisdictions are considered case-by-case with substance requirements.