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For Banks & Acquirers

Agentic Payments Intelligence
to Power Growth.

DEUNA upgrades an acquirer's value proposition with global APM coverage, AI-driven acceptance optimization, and unified performance intelligence — with zero development lift.

The New Bar for Acquirers

Enterprise merchants are demanding more than basic payment processing.

Global enterprise merchants now expect far more from their acquirers — and fulfilling those expectations is technically complex by design.

Full APM coverage
To accelerate time to market in every country they operate in.
The Challenge
Dozens of integrations to build and maintain, with months of effort per provider.
Higher acceptance rates
Systematic, continuous optimization — not one-off tuning.
The Challenge
Requires multi-provider connectivity, orchestration infrastructure, and AI-driven decisioning.
Full performance visibility
Clear line of sight on performance and revenue opportunities.
The Challenge
Fragmented data must be unified, normalized, and activated through a dedicated data and AI layer.
Enterprise-grade reliability
Uptime and resilience that matches the merchant's own SLAs.
The Challenge
Redundancy across PSPs, acquirers, and alternative networks with automatic failover.
What DEUNA Delivers

Zero Dev. Faster Time-to-Market. No Risk.

We help acquirers win by upgrading their value proposition across three core levers.

400+ APMs
Via one single integration.
Modular routing
Smart routing and backup acquiring.
AI-embedded
Acceptance optimization at the transaction level.
Real-time intelligence
Continually improve market share and margins.
No uplift = no cost
Commercial model aligned to your results.
1

Global APM coverage

One integration unlocks 400+ alternative payment methods across every market you serve.

2

Acceptance optimization layer

Agentic routing, dynamic message configuration, and intelligent retries on every transaction.

3

Centralized performance intelligence

A unified data and AI layer that turns fragmented payments data into actionable decisions.

Global APM Coverage
Lever 01

Processing of Alternative Payment Methods.

Enable and disable providers in just a couple of clicks with a no-code approach.

Increase in conversion rate

Let customers choose their preferred payment method, reducing cart abandonment and increasing conversion.

Better adaptation to local markets

Simplify the integration of popular payment methods in each country — digital wallets, cash, BNPL and more.

Inclusion of the unbanked population

Expand the value proposition to unbanked consumers, bridging the gap for online sales.

Flexibility for consumers

Offer options tailored to their needs and preferences, such as cash collection and wallet payments.

0+
Payment methods, one integration
Apple PayGoogle PayPayPalAlipaySkrillMercado PagoKlarnaBizumAffirmTrustlyCash AppVenmoAmazon PayAfterpayAplazoPix
Toggle any provider on or off in a couple of clicks — no code, no release cycle.
Acceptance Optimization
Lever 02

Optimizing every transaction in real time.

Agents determine the best real-time route for each transaction based on patterns identified across millions of transactions. Athia adapts to the metric that drives your business most — profitability, acceptance rate, costs, and more.

Maximize approval on first attempt
Dynamic per-message configuration
Intelligent routing with automatic failover across PSP, acquirer and alternative network
Reduced involuntary churn with intelligent retry logic

DEUNA has built a model deployment system that enables automated, continuous model training.

Model building

Our models learn from transaction data to optimize acceptance and cost.

  • Identify retryable declines and optimal retry strategies
  • Route each transaction to the best-performing processor
  • Optimize message configuration to maximize approvals
Lever 03

Athia surfaces actionable insights across the entire payments operation.

Our AI-powered companion turns the payments data layer into decisions your teams can act on today.

Ask Athia

Ask any question about your business in natural language and get trusted, instant answers.

Strategists

Proactively identify growth opportunities tied to your KPIs and needs.

AthiaAsk Athia anything about your payments operation…
Athia Strategies dashboard
Revenue Impact

Acceptance is pure revenue leverage.

Illustrative scenario — an online acquirer with $80–100B annual GMV and a conservative 0.7–0.9% average take rate.

+0%
Acceptance uplift
The unit of leverage
+$0M
Incremental GMV
At $80B base GMV
$0.0M
Incremental revenue
Upper bound at $80B GMV
$0.0M
Incremental EBITDA
Upper bound at $100B GMV
Impact per +1% acceptance
Metric$80B GMV$100B GMV
Incremental GMV+$800M+$1.0B
Incremental revenue$5.6–7.2M$7.0–9.0M
Incremental EBITDA*$5.0–6.5M$6.5–8.5M
*High-margin revenue, minimal incremental cost.
DEUNA scenario
$11–18M
+2% Smart Routing
Incremental revenue
DEUNA scenario
$28–45M
+5% AI Acceptance
Incremental revenue

This is margin expansion, not growth dependency.

Proof & Security

Proven infrastructure, not experimentation.

Led by a team that pioneered payments AI, deployed inside a secure, bank-grade architecture.

Led by payments AI pioneers

  • 15+ years of innovation and leadership at Google and Apple
  • Led the AP2 protocol and Google Card Payments
  • Patent in intelligent orchestration
  • Proven at $100B+ annual transaction scale
  • $7B EBITDA impact from acceptance optimization

Enterprise-grade infrastructure

  • 400+ integrations
  • Payments ontology layer powering AI-driven payments applications

Consolidated regional presence

  • 25%+ of Mexican digital commerce, double digit share in other countries
  • Merchants served across airlines, QSR, retail and more

Bank-grade AI infrastructure

We operate fully within the bank's security perimeter and compliance framework.

Secure data ingestion and architecture

  • API or SFTP integration
  • On-premise or client-controlled cloud deployment
  • No sensitive data stored in DEUNA

Built-in security by design

  • SSO and RBAC identity controls
  • VPC isolation with private endpoints
  • Double-blind tokenization at ingestion
  • Centralized AI gateway

Compliance adapts to data context

  • PCI-DSS for card data
  • SOX for financial datasets
  • GDPR, CCPA and LGPD for personal data

Privacy-first data handling

  • Data clean rooms with isolation
  • Federated learning — models trained locally, only weights shared
  • Full auditability and data residency enforcement
Case Studies

What this looks like in production.

Two enterprise deployments across multiple countries, channels and providers.

Cinépolis

Top 3 cinema chain globally, required a scalable, multi-country payments infrastructure to support market expansion, enable APMs, and improve performance across digital channels.

2.9M
Monthly live TXs
~USD 47M
Monthly GMV
95%
% SOW
Web · App
Channels
Pain point
High payment rejection rates hurting conversion and sales.
DEUNA solution
Enabled multi-provider routing and transaction recovery across Getnet, Worldpay, Prisma, Cybersource and Stripe.
+2%
Acceptance rate improvement
Pain point
Limited local APM coverage across their operating countries.
DEUNA solution
Enabled 3+ APMs in under 3 months, including Aplazo and PayPal.
+3%
Monthly recovered TXs
Pain point
Fragmented infrastructure across countries and channels.
DEUNA solution
Enabled more than 12 payment providers through a single integration, scaling across 10+ countries in under one year.
+$2.1M
Monthly sales increment

DEUNA improved time-to-market and revenue growth across 10+ countries.

Let's upgrade
your value proposition.

No uplift, no cost. We start with your data, model the acceptance opportunity, and prove it in production.

Step 01
Discovery session on current acquiring stack and merchant portfolio
Step 02
Acceptance and APM opportunity modeling on your own data
Step 03
Scoped pilot inside your security perimeter
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