How Yuno Payment Process Works

Yuno offers a variety of payment options for your transactions. However, the basic payment process always follows the same steps in the sequence. Here, you'll find a detailed explanation of these steps and the basic elements used. The goal is to provide a clear understanding of the process flow when using the Yuno SDKs or API.

Yuno's payment process

Yuno's basic payment process consists of four steps:

  1. Create a customer
  2. Create a checkout session
  3. Create a One-Time Token
  4. Create the payment

A successful payment process will conclude with a successful transaction, depending on the provided payment information and the availability of funds from the customer.

The following details each step and the required information.

Step 1: Create a customer

Every payment in Yuno must be to be connected to a customer. Customer information includes data such as name, address, and phone, stored in Yuno's system. We use the customer information to process payments for different payment methods and processors. Additionally, we can enroll payment methods in customer's profiles.

When creating a customer, we provide a unique identifier that will be used in each subsequent step. Although it is not necessary to provide certain information when creating a customer, providing additional data such as phone number, billing address, and shipping address can enhance the user's payment experience.


You will need the customer's identification information for each subsequent step.

Step 2: Create a checkout session

To process each payment, you'll need to create a new checkout session each time to connect the customer to the payment that will be created.

A checkout session marks the start of a payment transaction and stores relevant information about the upcoming payment. When creating the checkout session, Yuno loads all connected payment methods to your account, which you can then offer to your customers at the time of payment. After creating the checkout session, you'll provide available payment options to your customer, and once payment method is selected, you can proceed to the next step.

Enroll a payment method

If your customer wishes to enroll a payment method to their profile, you'll create a customer session instead of a checkout session. When your customers enroll in a payment method, they provide important information such as card number and CVV only once. Yuno receives and stores payment information from your customers and their preferences for future use.

Step 3: Create a One-Time Token

A One-Time Token (OTT) is a vital tool for preserving customer privacy and ensuring payment security on the Yuno platform. This unique and temporary code is used to safeguard sensitive payment information during transactions.

To generate an OTT, you'll need the customer's identification and the associated checkout session, along with specifying the chosen payment method. Yuno will automatically and securely create this code, ensuring that sensitive payment information is not stored on the servers.

The OTT serves as a secure representation of payment details, providing an additional layer of security and privacy. Moreover, it simplifies recurring payments by securely storing payment information for future use.

By implementing an OTT in your transactions with Yuno, you can rest assured that your customers will enjoy a secure and hassle-free payment experience.

Step 4: Create the payment

A payment is a component that unifies and represents a user's payment on Yuno's platform, regardless of the processors or payment methods used. The payment entity centralizes all essential order details.

To proceed with the payment, you'll need the data collected in the previous steps. It is important to carry out the payment within a checkout session, which requires a connected customer along with an OTT to ensure the privacy and security of your customers.

The payment entity provides a comprehensive view of the transaction by consolidating all necessary information. This unified representation is essential for maintaining a transparent and organized flow of payments, facilitating tracking and reconciliation.

Enhance the customer's experience

When creating a payment, certain fields are optional but can enhance user experience if completed. Make sure to consider mandatory fields if you decide to include this information.

After creating the payment, Yuno will keep you informed about updates through Webhooks. Additionally, Yuno offers fraud prevention solutions that you can integrate into the payment process.