Unlimit (Unlimint) review: products and technology (2026)

Unlimint is now called Unlimit: the London-based group renamed itself in a release dated 23 May 2023, and its website at unlimint.com now redirects to unlimit.com. It sells payment processing, payouts, business accounts, banking-as-a-service and crypto on and off-ramps, with an emphasis on local payment methods in Latin America, Asia-Pacific, Africa, Europe and India.

The brand history has a second layer. Unlimit's integration documentation still carries the CardPay name, which fits the "formerly CardPay" label some readers expect. The pages we opened do not describe that earlier history, so we do not date it here.

At a glance

How the platform works

Unlimit says it operates its own in-house payment infrastructure, so the connections to card schemes, banks and local wallets are maintained by the group rather than assembled from third-party providers. A merchant sends one API request, and the platform decides how to reach the chosen method: a card scheme for Visa, Mastercard and JCB, a bank scheme for transfers, or a local wallet or cash voucher network. Where a merchant sells across borders, the platform also handles multi-currency conversion and local compliance steps, according to the company's May 2026 release on its partnership with Decentro. For the general model, see our how card payments work guide.

The legacy CardPay-branded API reference (version 2.70) shows how the card flow is built. A merchant builds an order as XML, encodes it, and signs it with a SHA-512 digest computed with a shared secret. In Payment Page mode, the customer is redirected to the provider's own page and card data never reaches the merchant's servers. In Gateway mode, the customer types card details on the merchant's site and the merchant sends them on, which requires the merchant to hold PCI DSS certification. After 3-D Secure authentication, the provider posts the result to the merchant by callback, and the merchant must return HTTP 200 or the callback is retried at growing intervals, the last about 37 hours after the first attempt. Two-phase payments, recurring charges and card tokens are documented. We could not confirm from the pages opened whether this version remains the newest, so check the current integration portal before building.

Products

Payment processing

The payment-processing page offers cards, wallets, alternative methods, cash and bank transfers through one integration. Added features include payment links, subscriptions and recurring billing, instalment plans of 3, 6 or 12 months advertised at 0% interest, and a dashboard. The company says onboarding takes about a day, with semi-automated KYC and AML checks and a dedicated technical manager. It describes itself as a PCI DSS Level 1 certified service provider.

Payouts

The payouts page covers local alternative methods, direct-to-card payouts, local bank transfers, eWallets and SEPA Instant for the EEA. It lists tailored, postponed, scheduled and bulk payouts and says in-house transaction and fraud monitoring is included. One API covers all payout types. The sectors named are e-commerce, gaming, transport, media, marketplaces, travel, SaaS and iGaming.

Accounts, BaaS and cards

The group offers business accounts with cards and spend management, a multi-currency account (30+ currencies on the home page) and a BaaS platform with an API, white-label card issuing and SEPA, SWIFT and BACS payment rails. The home page says white-label cards can launch in under 90 days. On 22 September 2026 the company said it had begun migrating Unlimit Accounts to Stable.com, which it describes as a full-service platform with a global account, cards, treasury management and access to tokenised assets and non-custodial DeFi on named blockchains.

Crypto

Unlimit Crypto provides fiat on and off-ramp services for NFTs, GameFi and DeFi. The MiCA authorisation in the recent launches table below is relevant to this line. Readers can see MiCA for the rules.

Developer experience and integrations

The payment pages point developers to integration.unlimit.com, with a demo. The reference we opened covers authentication by signed requests, the two card modes above, callbacks with strict signature validation, and payment statuses such as approved, declined, pending, voided, refunded and chargeback. It also documents payouts, which in that legacy reference apply only to successful payments created in the previous six months. A separate REST API with HTTP Basic authentication is mentioned, and the page was too long to read in full. SDK and plugin availability is not stated on the pages reviewed.

Payment methods, currencies and coverage

Named markets are Mexico, Brazil, Colombia, Ecuador, Peru, Costa Rica, Panama, Guatemala, Argentina and Chile in Latin America; Indonesia, Malaysia, Thailand, the Philippines, Japan, China, South Korea, Vietnam, Australia and Hong Kong in Asia-Pacific; Kenya, Nigeria and Tanzania in Africa; the EU and UK; and India. The May 2026 Decentro release cites PIX in Brazil, SEPA Instant in Europe and regional wallets in APAC as examples. Our guides on Latin America local payments and real-time payments add context. The Stable.com release separately states payment-system access in more than 180 countries and local payouts in more than 150 currencies (22 September 2026); these are broader than the processing pages, so they apply to the wider group.

Pricing model

Unlimit does not publish merchant fees on the pages opened. The processing and payout pages instead ask for expected monthly volume in tiers from under €10,000 to €1 million and above, which suggests quotes are volume-based. The company advertises 0% interest on its instalment plans. Anyone requesting a quote may want to ask for the FX margin, payout fees, minimums and settlement timing in writing.

Recent launches

Regulation in brief

A company information sheet for Unlimint EU Ltd (Limassol, Cyprus; document uploaded in October 2022) says the Central Bank of Cyprus supervises it as an electronic money institution, that the Financial Conduct Authority supervised it in the UK under the Temporary Permissions Regime at that time, and that client funds are safeguarded separately and are not covered by a deposit guarantee scheme. The 2026 releases above add a MiCA crypto-asset authorisation and a Hong Kong money service operator licence. Licences vary by entity, so see e-money institutions explained and how to check a financial licence. We did not open a regulator register for this edition.

Who it tends to suit

Unlimit may suit merchants and platforms selling into Latin America and Asia-Pacific that want local methods and payouts from a single provider, and businesses that also need accounts or crypto on-ramps from the same group. Teams that need public self-serve pricing or published SDK lists should confirm details with the company. Comparable cross-border specialists include Rapyd, dLocal and EBANX, and the cross-border hub lists more.