UNAK - 2026 Pricing, Features, Reviews & Alternatives

UNAK is a composable payment orchestration and payment infrastructure solution designed for banks, payment service providers, acquirers, and enterprises seeking to establish independent payment operations. The platform enables organizations to build and manage payment infrastructure on dedicated servers or within private cloud environments, eliminating per transaction fees and vendor dependencies. The solution addresses the requirements of financial institutions and enterprises operating in regulated environments that demand full data sovereignty, customizable payment workflows, and predictable costs at scale. This infrastructure supports control over the payment stack while adhering to complex regulatory constraints.

UNAK comprises a set of modular components that deliver end to end payment processing capabilities. The gateway component supports processing of cards, wallets, alternative payment methods, and payouts across point of sale, ecommerce, and mobile channels through a unified REST interface and cross currency support. The rule engine component enables real time execution of customizable business logic across routing, fraud detection, and workflow processes through a visual interface and extensible code modules. The tokenization vault component provides a PCI DSS compliant engine for secure storage and management of card data with web based software development kits for data capture, token lifecycle controls, multi protocol token forwarding, and SAQ A compliance. The three D Secure component offers in house authentication services that support version one and version two protocols with multi tenant capabilities and built in fraud detection hooks. The ledger component automates settlement and reconciliation by collecting, normalizing, and matching data across providers, channels, and currencies with support for multiple file formats and payout cycles. Additional modules include subscription management, authentication and authorization controls, customer service interfaces, and soft POS functionality for flexible deployment scenarios.

The solution integrates with a comprehensive ecosystem of payment rails and services through pre built connectors for major card schemes such as Visa, Mastercard, American Express, and UnionPay, as well as integrations with leading payment service providers. Connectivity extends to fraud and risk management tools and to banking networks and alternative payment channels. The open architecture permits seamless extension across new providers and geographies without changes to core components. Deployment models include on premise installation within customer operated data centers, isolated private cloud environments, and hybrid architectures that combine local core logic with selective cloud services. The platform maintains PCI DSS level one certification, EMVCo compliant three D Secure functionality, network tokenization support, and end to end encryption. It complies with PSD Open Banking standards, GDPR data residency requirements, and offers gap assessments for regional regulations. The service includes a contractually guaranteed high availability service level, continuous monitoring and alerting, and disaster recovery and business continuity processes. Cloud agnostic architecture ensures infrastructure independence and full data sovereignty for the deploying organization.

Expert onboarding services facilitate knowledge transfer and operational readiness through collaborative implementation support. The platform design enables organizations to extend and customize payment workflows, integrate new capabilities without core system modifications, and maintain full ownership of the software, data, and processing logic. This approach empowers financial institutions, payment service providers, acquirers, and enterprise merchants to operate a scalable and adaptable payment infrastructure under their own brand with complete operational control.