Yuno Launches AI-Native In-Person Payments to Bridge the $37.8 Trillion Omnichannel Gap

Yuno has expanded its AI-native orchestration platform into the physical realm with the launch of In-Person Payments. This move allows enterprise merchants to apply dynamic routing, multi-acquirer failover, and unified reconciliation to brick-and-mortar transactions, addressing a global market where 85% of consumer spending still occurs at physical points of sale.

What was announced

The new In-Person Payments offering introduces POS Orchestration, a system designed to decouple physical hardware from specific payment processors. Traditionally, most physical terminals are locked to a single acquirer, creating a single point of failure and preventing merchants from optimizing for cost or approval rates. Yuno’s solution places multiple acquirers behind a single terminal, allowing transactions to be routed based on real-time performance, availability, and merchant discount rates. If a primary host fails, the system automatically reroutes the sale through a backup provider to ensure continuity.

The launch addresses a significant gap in payment optimization. While online commerce receives the bulk of fintech innovation, Worldpay’s Global Payments Report 2025 indicates that 85% of global consumer spending—approximately $37.8 trillion annually—still takes place in person. By bringing these transactions onto an AI-native stack, merchants can reconcile online and offline sales within a single ledger, linking store purchases to known customer profiles to create a comprehensive omnichannel view.

For businesses without traditional hardware, Yuno is also introducing Tap to Pay for compatible Android and iOS devices. This allows mobile phones to function as card readers, which banks and acquirers can white-label for their own merchant clients. The expansion also integrates Yuno’s AI agents, such as the Payment Concierge Agent, into the physical checkout process to optimize routing at the terminal. Detailed technical insights into the new stack will be shared during a live webinar scheduled for October 15, 2026.

"The terminal should not dictate the payment provider. The merchant should. In-person payments brings Yuno to the counter, so merchants can benefit from dynamic routing, keep selling when a provider goes down, and manage online and in-person payments through one platform. The physical checkout should be as flexible and dynamic as the online one."

Juan Pablo Ortega, co-founder and CEO, Yuno.

The companies involved

Yuno is an AI-native intelligence system designed for global payments and financial services. It operates as a comprehensive financial infrastructure layer for enterprise merchants, banks, and digital wallets. Through a single API, the company provides connectivity to more than 1,000 payment methods and 460+ integrations across 190+ countries. Its platform covers a broad range of financial needs, including payins, payouts, fraud prevention, KYC/KYB, and stablecoin transactions.

The company is agnostic by design, positioning itself as an orchestration layer that optimizes acceptance rates and reduces operational costs through specialized AI agents. Yuno’s infrastructure is utilized by major global brands including McDonald's, NetEase Games, GoFundMe, inDrive, and Rappi. Additionally, the firm works with banks and acquirers to modernize their existing infrastructure without requiring a total replacement of core legacy systems. This allows financial institutions to prepare for agentic payments and the next generation of commerce while maintaining their current operational stability.

What FF News has reported before

FF News has closely followed Yuno’s rapid expansion and its focus on streamlining global payment complexity. In August 2026, the company reached a significant milestone when Yuno Secures $45 Million Series B to Scale AI-Native Global Payments Operating System, providing the capital necessary to enhance its AI-driven infrastructure. The company has also been active in forming strategic partnerships to broaden its reach. This includes a collaboration with Onafriq, where Yuno and Onafriq Partner to Streamline Pan-African Payments for Global Merchants, and a high-profile integration with Revolut. Specifically, Yuno and Revolut Business Partner to Streamline One-Click Checkout for Global Merchants, which was followed by a further announcement that Yuno Partners with Revolut Business to Offer Biometric One-Click Checkout via Single API.

What this means

This launch represents a direct challenge to the "walled garden" model of traditional point-of-sale hardware. For years, the physical terminal has been a bottleneck where hardware lock-in dictated the financial provider, often leaving merchants at the mercy of a single bank’s uptime and pricing. By applying the logic of cloud-based orchestration to physical counters, Yuno is effectively commoditizing the terminal. This puts significant pressure on legacy acquirers who rely on hardware exclusivity to maintain market share. The move toward a unified ledger also addresses the persistent "data silo" problem, finally allowing retailers to treat a customer walking into a store with the same analytical depth as a user visiting a website.