unirail — one API for every payment rail

$ pnpm add @unirail/sdk

import { createUnirail } from "@unirail/sdk";

const unirail = createUnirail({ apiKey: process.env.UNIRAIL_SECRET_KEY });

const { quotes } = await unirail.routeQuotes.create({
  from: payer,
  to: payee,
  amount: { value: "5000", asset: "iso4217:GBP" },
});

const intent = await unirail.paymentIntents.create(
  { quote: quotes[0].id, digest: quotes[0].digest, returnUri },
  { context: { idempotencyKey: `pay:${id}` } },
);

Unirail is routing intelligence and management for apps that move money. Think of it as the GDS for payments: the way airline distribution lets one booking system reach every carrier, one Unirail integration reaches every provider you already have a deal with, and each payment takes the route your policy prefers.

Unirail is not an intermediary in the money flow. You hold your own licences, your own contracts with PISPs, aggregators and KYC vendors, and you run your own KYC and AML. Unirail gives you four things on top:

• One API and SDK over the providers you already contract with.
• Your secrets manager, wired in (Infisical first), so a new provider needs no new environment variables.
• Deal tracking and leverage: contracts, fees and volume tiers next to live routing data, so you negotiate knowing what switching saves.
• Routing decisions: which provider and rail, what it costs, and why.

It starts with banking (bank links and account-to-account payments) and grows into everything banking-adjacent: identity verification, account verification (Confirmation of Payee, Verification of Payee) and compliance screening, across jurisdictions, with more than one provider behind each capability. The providers themselves are a marketplace you browse and connect.

Decide. Your backend sends masked metadata only, such as op, countries, an amount band and a currency, with no personal data and no account numbers. Unirail returns the decision; your backend then calls the provider with its own credentials through the SDK. Unirail never touches secrets or money.

Execute via Unirail. Unirail calls the provider for you, reading credentials just-in-time from your vault. The money still moves between the banks, under your licence and your contract.

The decision engine can be self-hosted.

Ask for a route quote and get up to three: Cheapest, Fastest and Recommended. Each names its legs, its cost, an ETA (p50 and p90), a success likelihood and its custody: who holds the money after every leg.

Today routes are account-to-account with no custody: the money goes from the payer's bank to the payee's. Meta-providers such as Airwallex hold money in transit; their routes appear only where your routing policy allows it.

3 integrated, 10 listed, 23 countries.