A payment orchestration proposal for Multirealm Games / Lapakgaming to improve acceptance rates, expand into MENA & LATAM, and eliminate integration complexity — the same approach already proven with Garena and NetEase Games.
Based on our conversations held in 2025, we identified significant opportunities to improve Multirealm's payment infrastructure across both Lapakgaming and Itemku. Since then, Yuno's platform has continued to evolve, and we have successfully deployed the exact same solutions for Garena and NetEase Games — two APAC gaming companies facing remarkably similar challenges.
Multirealm operates two high-volume platforms — Lapakgaming (B2C voucher & top-up store) and Itemku (B2B/B2C digital goods marketplace) — processing ~$30M/month combined across 30+ markets with ~1 million monthly transactions.
| Challenge | Current Impact | Root Cause |
|---|---|---|
| Low card acceptance rates | 50-60% overall Lapakgaming: 60-65%, Itemku: 40-50% |
Cross-border routing through non-optimized PSPs; no local acquiring in key markets; limited retry logic |
| Fraud system over-declining | 60-70% approval after fraud check | Current provider (Forter) too sensitive for gaming microtransactions, causing high false declines. Riskified benchmarks at 90-95% approval with similar chargeback rates |
| Limited payment localization | Visa/MC/PayPal only in most markets | Each local payment method requires a separate PSP integration; dev team bandwidth is the bottleneck |
| Integration complexity | Months per new PSP | Small dev team managing 4+ separate PSP integrations (Xendit, RMS, Tazapay, dLocal) with different APIs, documentation, and testing requirements |
| Market expansion blocked | MENA, LATAM, China stalled | Cannot localize payments fast enough; priority markets (Saudi Arabia, Egypt, Turkey, Brazil, Mexico) remain card-only or unserved |
| Payout limitations | PayPal only for seller payouts | No direct-to-bank payout integration; marketplace sellers in regions without PayPal are underserved |
At $5M/month B2C volume, every 1pp improvement in card acceptance rates recovers ~$50K/month ($600K/year). With acceptance rates at 50-60% versus industry benchmarks of 85-92% with local acquiring, the gap is 25-35 percentage points. Even a conservative 5pp improvement from smart routing and retry logic alone would recover $3M+ in annual revenue. This does not account for additional conversion uplift from offering local payment methods to the 30+ markets where Multirealm currently offers only cards.
Yuno is already powering payment orchestration for two of the largest gaming companies in the APAC region. The challenges they faced mirror Multirealm's situation almost exactly.
Both Garena and NetEase faced the same core problems: fragmented PSP integrations, suboptimal routing across regions, the need to rapidly add local payment methods for new markets, and the operational burden of managing multiple providers. Yuno's orchestration layer solved all of these — and will do the same for Multirealm.
Yuno sits between Multirealm and all payment providers. One integration replaces dozens. Your existing providers stay connected — Yuno adds intelligence, redundancy, and instant access to new markets.
Architecture Overview
Yuno does not touch funds. Settlements remain directly between Multirealm and each PSP.
| Capability | Today | With Yuno |
|---|---|---|
| Adding a new PSP | Months of dev work per provider | Enable in dashboard, zero dev time |
| Adding local payment methods | Separate integration per method | Toggle on in checkout builder by country |
| Routing & retry logic | None — single PSP per transaction | Smart routing + automatic retry on decline |
| Fraud orchestration | Forter only, high false declines | Connect Riskified (or any fraud tool) via Yuno |
| Reconciliation | Separate dashboards per PSP | Unified analytics across all providers |
| Expanding to MENA / LATAM | Blocked by integration capacity | Activate local PSPs in days, not months |
| Marketplace payouts | PayPal only | Direct-to-bank payouts in multiple currencies |
| Existing PSP relationships | Xendit, RMS, Tazapay, dLocal | Keep all — plug credentials into Yuno |
Multirealm currently manages 4+ separate PSP integrations. Each new market or payment method requires a new integration. Yuno replaces this fragmented approach with a single intelligent layer.
Today, a Saudi Arabian customer visiting Lapakgaming can only pay with Visa/Mastercard (cross-border, low approval rate). With Yuno, you activate a MENA-focused PSP in your Yuno dashboard, enable mada (Saudi debit cards), STC Pay, and Apple Pay for the Saudi Arabia checkout — all without writing a single line of code. Transactions route through local acquiring, approval rates jump from ~55% to 85%+, and you've captured a market segment that was previously walking away.
Based on the data shared in our 2025 conversations and benchmarks from comparable gaming deployments (including Garena and NetEase).
| Metric | Current State | With Yuno (Est.) | Impact |
|---|---|---|---|
| Card acceptance rate | 50-60% | 80-92% | +20-30pp |
| Fraud false decline rate | 30-40% (Forter) | 5-10% (Riskified via Yuno) | -25pp |
| Markets with local payment methods | ~3 (ID, MY, SG) | 15-20+ (incl. MENA, LATAM) | 5-7x expansion |
| Time to add new PSP | 3-12 months | 0 dev days (dashboard config) | 100% dev time saved |
| Payout methods | PayPal only | PayPal + direct-to-bank (multi-currency) | Global seller coverage |
| Monthly B2C revenue at risk | ~$50K per 1% acceptance gap | Recovered via routing + LPMs | $3M+/yr |
Yuno operates on a SaaS model — a monthly platform subscription plus a per-transaction fee. Yuno does not touch funds and does not mark up PSP fees.
| Component | Description | Details |
|---|---|---|
| Platform fee | Monthly subscription for dashboard, analytics, checkout builder, routing engine | Based on transaction volume tier |
| Transaction fee | Per-transaction charge for each payment processed through Yuno | Fixed fee or percentage-based, optimized for microtransaction volumes |
| PSP costs | Paid directly by Multirealm to each PSP | No Yuno markup — your existing rates apply |
| Integration | Single API integration from Multirealm to Yuno | Yuno handles all downstream PSP connections |
You maintain your commercial agreements directly with each PSP. Yuno is the technology layer that connects, normalizes, and optimizes routing across all of them. Your existing Xendit, RMS, Tazapay, and dLocal credentials simply get plugged into Yuno. When you want to add a MENA PSP or switch from Forter to Riskified, it's a dashboard configuration — not a dev sprint.
We recommend a three-phase approach, starting with the highest-priority market expansion and progressively layering in card optimization and payout capabilities.
Goal: Activate local payment methods in Saudi Arabia, Egypt, Turkey, and Morocco.
Activities: Yuno API integration, MENA PSP onboarding, checkout builder configuration per market, testing & go-live.
Outcome: Lapakgaming and Itemku accept mada, STC Pay, Fawry, BKM Express, and other local methods across MENA — capturing customers who currently bounce due to card-only checkout.
Goal: Improve global card acceptance from 50-60% to 80%+ through smart routing and fraud orchestration.
Activities: Migrate existing PSP credentials into Yuno, configure smart routing rules by BIN/issuer/country, connect Riskified through Yuno's fraud orchestration, A/B test routing strategies.
Outcome: Automatic retry on decline, optimized routing to best-performing acquirer per transaction profile, fraud false declines reduced from 30-40% to 5-10%.
Goal: Activate Brazil, Mexico, Argentina with local methods and enable direct-to-bank seller payouts.
Activities: Onboard LATAM PSPs, enable PIX, OXXO, Boleto, configure payout routes for marketplace sellers, expand beyond PayPal-only payouts.
Outcome: Full LATAM payment localization, marketplace sellers paid directly to bank accounts in local currency, 30-40% conversion uplift in LATAM markets.
The projections in this proposal are based on data from our 2025 conversations. To provide a precise business case and optimize the pilot configuration, we'd appreciate updated data.
| Data Point | Why We Need It | Format |
|---|---|---|
| Current monthly transaction volume | Size the routing engine and project revenue impact accurately | Total count + total USD by platform (Lapakgaming, Itemku) |
| Acceptance rate by PSP & country | Identify which routes are underperforming and where smart routing adds the most value | Approval % breakdown by PSP and top 10 countries |
| Decline reason codes | Distinguish soft declines (retriable) from hard declines to project retry uplift | Top 10 decline codes with volume |
| Payment method mix | Configure checkout builder for optimal conversion by market | % split: cards vs. wallets vs. bank transfers vs. PayPal by country |
| Chargeback & fraud rates | Benchmark Forter performance and project Riskified improvement | Monthly chargeback count + rate, fraud review volume |
| Priority market list (updated) | Sequence Phase 1 activation correctly | Top 5 target markets ranked by priority |
We understand data sensitivity. You can share via: (1) a CSV/Excel export, or (2) a 30-minute call where we walk through the numbers together. Whatever works best for your team.
| Concern | Mitigation |
|---|---|
| "Another layer adds latency" | Yuno adds <100ms to the transaction flow. Our infrastructure is optimized for gaming microtransactions where speed matters. Garena and NetEase operate at high volumes through Yuno with no latency impact. |
| "Our dev team is too small for a migration" | One API integration replaces all future PSP integrations. The initial integration is a 2-3 week effort, after which your dev team never needs to build another payment integration. This is a net reduction in engineering load. |
| "We don't want to disrupt existing payment flows" | Phased migration: start with new markets (MENA) where there's nothing to disrupt. Existing PSP flows migrate only when you're ready. Your Xendit/RMS/Tazapay credentials stay the same. |
| "What if Yuno goes down?" | 99.99% uptime SLA. Yuno's architecture is distributed across multiple regions. In the unlikely event of an issue, transactions can be configured to fall back to direct PSP routes. |
| "We lose control over PSP relationships" | You maintain all commercial agreements directly with each PSP. Yuno does not touch funds and does not intermediate the commercial relationship. You keep full control. |
| "Gaming microtransactions are too small for orchestration fees" | Yuno's pricing is optimized for high-volume, low-value transactions typical in gaming. The revenue recovered from improved acceptance rates far exceeds the orchestration cost — as proven with Garena and NetEase. |
| Step | Action | Owner | Timeline |
|---|---|---|---|
| 1 | Breakfast meeting — Review this proposal, update on current priorities, share latest transaction data | Leslie (Yuno) + Jordy Prayogo (Multirealm) | Friday, April 24 |
| 2 | Technical deep-dive — Live demo of Yuno dashboard, checkout builder, and routing engine tailored to Multirealm's flow | Leslie (Yuno) + Multirealm dev team | Week 2 |
| 3 | Refined business case — Updated projections based on current volume data and priority market confirmation | Leslie (Yuno) | Week 2-3 |
| 4 | Commercial proposal — Formal pricing based on confirmed volumes and scope | Yuno commercial team | Week 3 |
| 5 | Pilot kickoff — Phase 1 MENA market activation begins | Joint team | Week 4 |
The same payment orchestration platform trusted by Garena and NetEase is ready for Multirealm. Let's pick up where we left off and turn this into action.
Reply to Leslie