Tuna Pagamentos
Orchestration Split Tokenization Analytics Docs
Log in Talk to an expert
Efficiency-based routing 

Higher approval and lower cost on every transaction

For every payment, Tuna picks the acquirer based on risk and on the performance of each connection. Rules change in the Console, with no new integration.

Talk to an expert Explore the flows →
+R$ 9B
processed per year
+27M
transactions in 2025
99.99%
uptime status
Transaction flow real time
1
Checkout sends the payment intent
one integration, every method
2TUNA DECISION LAYER
Context: BIN, amount, country
Rule: 3DS required?
Anti-fraud: score
Routing: cost vs. approval
Acquirer A
approved · 310ms
Acquirer B
backup
Pix / Wallet
alternative
Enterprise scale
You are in control

Build custom payment strategies

With Tuna, you connect multiple providers and anti-fraud solutions through a single integration. Set dynamic rules by context, run A/B tests between acquirers and configure payment retries.

Retries
Recover transactions declined by technical failures or false negatives
A/B tests
Try different acquirers, with approval and cost measured on your own data
Flows
Routing, 3DS and anti-fraud rules managed directly in the Tuna Console
Connections
Connect acquirers, banks and anti-fraud providers, and track approval and cost on one dashboard
Orchestration

Decision layers between authorization and settlement

Each layer is configurable by context — method, card brand, BIN, amount, country, seller, channel — and runs in milliseconds within the authorization flow.

LAYER 01
Context

Transaction attributes are read before the route is chosen.

BINamountcountryrecurrence
LAYER 02
Risk

Orchestrated anti-fraud, with 3DS applied only where the approval gain outweighs the friction.

ClearSaleKondutoTuna Velocity3DS
LAYER 03
Routing

Balances cost and approval on every transaction and instantly falls back to the second option on failure.

prioritycascadeA/B test
LAYER 04
Settlement

Split, payouts, reconciliation and reports, all from the same transaction.

splitreconciliationTPV
Simulate the flow

Build custom payment flows for your business model

1 · Transaction context
2 · Routing goal
3 · Optional rules
Estimated approval
—
Effective cost
—
    Illustrative simulation. In the Console, the numbers come from your own transaction data.
    Connections

    Sooo many payment and anti-fraud providers in a single integration

    Acquirers, Pix and boleto providers, anti-fraud and biometrics are available for routing with no new integration. Enabling, testing or replacing a provider is configured directly in the Console.

    See all connections →
    Cardsacquirers, PSPs and private label
    Anti-fraud and authenticationrisk score, credit bureau, biometrics, 3DS
    Pix and boletobanks and payment institutions
    Payment split

    Automatic splits and custom payout rules for your business

    With Tuna, you set flexible commissions, stay tax-safe by avoiding double taxation, and automate financial closing at the exact moment of the sale.

    • ✓
      Flexible rules by participant and context: split by percentage (%), fixed amount (R$), SKU, seller or channel, with caps and floors.
    • ✓
      Escrow, payouts and early settlement on non-business days: set release triggers and let partners get early access to receivables, including on weekends and holidays.
    • ✓
      Transparent management and automatic refunds: cancellations rebalance the split proportionally, and partners follow their statements in the white-label Merchant Portal.
    Order #48210
    R$ 1,240.00
    split applied
    • Seller · North Store 50%R$ 508.40
    • Seller · South Store 30%R$ 305.04
    • Marketplace · 20% commissionR$ 203.36
    • Logistics · shippingR$ 148.80
    • Processing feesR$ 74.40
    Each participant is settled directly by the acquirer, with no third-party funds passing through your account.
    Where card data travels
    CUSTOMERenters the card in your checkout
    TUNA PROXYtokenizes before it reaches your infrastructure
    YOUR INFRA
    receives only the token — out of PCI scope
    ACQUIRERS
    the same token works across all connections
    card_token: tun_9f2c…41ab  ·  pan: not in your database
    Tokenization & Tuna ProxyPCI DSS Level 1

    In-house tokenization: smaller PCI scope and portable saved cards

    Sensitive data is tokenized in Tuna Proxy and comes back as a token. Your PCI scope shrinks, you are no longer tied to a single vault provider, and saved cards stay portable across acquirers.

    Agnostic vault
    saved cards are not locked in with the provider that captured them
    Reduced PCI scope
    less audit surface, lower certification cost
    Frictionless recurrence
    subscriptions and one-click with the same token
    Per-token pricing
    a cost structure designed for high volume
    Console & Analytics

    Rule changes without a dev backlog

    Business, CS and finance teams change rules, test acquirers and track cost and approval on the same dashboard.

    A/B test between acquirers
    running for 90 days
    Group A · Acquirer 1
    91.4%
    average cost 2.31%
    Group B · Acquirer 2 · winner
    94.8%
    average cost 2.04%
    Decision based on the approval rate measured on your own transaction data.
    Monthly TPV
    R$ 812M
    Reconciliation
    Sub-acquiring, invoice, payout and chargeback reports, exportable per connection.

    One integration for every method in your checkout

    See the API reference →
    Methods
    Credit and debit, Pix, boleto, Apple Pay, Google Pay, BNPL (Koin, Pagaleve), wallets and recurring payments.
    Integration options
    Direct API, SDKs, hosted checkout and customizable payment links — all backed by the same decision engine.
    Operational control
    Block/allow lists, limits by context, visual flows and a full history of every attempt.

    Talk to our sales team

    Share your details and a bit about your operation so we can talk about the best payment setup for your business.

    Founding team from Peixe Urbano · PCI DSS Level 1 · Reclame Aqui · “Great” reputation · Dedicated enterprise support
    We reply within 1 business day.
    Tuna Pagamentos
    Payment decisions
    that convert more
    Product
    Orchestration Payment split Payment link Ways to integrate Connections
    Developers
    Documentation API reference Help center
    Company
    Contact us Security and compliance
    • Português (BR)
    • English
    © 2026 Tuna Pagamentos Ltda · CNPJ 43.098.655/0001-57 Compliance · Privacy · Terms