Brazilian e-commerce continues to expand rapidly. According to the Brazilian Electronic Commerce Association (ABComm), the sector is expected to generate R$205 billion in revenue by 2025, driven by the consolidation of new consumer habits and the convenience of digital shopping. But behind these impressive figures lies a problem that drains margins and erodes consumer confidence: online transaction failures.
According to a survey by Único, between R$120 billion and R$150 billion go unpaid each year in Brazil due to declined payments for purchases made without a physical card, such as on websites, apps, and subscription services. This figure is equivalent to almost 15% of the sector's projected revenue and has a direct impact on companies' profitability.
The problem worsens on the eve of key retail dates, such as Black Friday and Christmas. In 2024, Brazilian digital retail recorded more than R$7,8 billion in sales on Black Friday alone, according to Neotrust. However, each system outage or unjustified rejection means not only immediate revenue loss but also the risk of permanently alienating consumers.
"Most companies already recognize the importance of investing in smart payment infrastructures, but still face implementation barriers. Yuno's role is to simplify this process and ensure no sales are lost due to technical limitations, allowing companies to focus on growth and innovation," explains Walter Campos, General Manager for Latin America at Yuno, a global leader in payments infrastructure and orchestration.
Turning every transaction into trust
In an increasingly digital world, every online transaction goes far beyond a simple charge; it becomes a point of contact between brand and consumer and an opportunity to strengthen trust. However, as in any critical moment, these operations are subject to failure, especially during busy periods like Black Friday and Christmas.
This is where Yuno's solutions make a difference. Through intelligent payment orchestration, the platform analyzes data and behaviors to define the best processing routes and strategically perform automatic retry attempts, increasing approval rates and ensuring a smooth, frustration-free customer experience. Yuno's performance monitors act as a true intelligent backup plan. They identify, in real time, any instability in a payment provider and trigger automatic failover, instantly redirecting the transaction to another path. This ensures continuity and security in the process. For the consumer, the result is a smooth experience; for the business, the certainty that each payment has a real chance of being approved.
Complementing this approach, smart routing chooses the most efficient path for each transaction, considering historical performance, costs, and regional characteristics. This makes the system more predictable and less dependent on a single supplier, a key differentiator during peak transaction volumes. And to ensure nothing goes unnoticed, real-time monitoring tools track each transaction, triggering immediate alerts whenever something deviates from expectations, preventing small errors from escalating into larger losses.
"Digital transactions go beyond simple billing: they are crucial moments of trust between consumers and brands. Our technology not only reduces declines and ensures predictability during peak periods, but also turns each transaction into an opportunity to strengthen relationships and generate consistent business growth," says Campos.
Real cases of efficiency
The application of payment orchestration technologies is already yielding concrete results in companies across a range of sectors, demonstrating how smart solutions can translate into efficiency, scalability, and consumer trust.
One of the most emblematic examples is Rappi. The delivery giant, present in nine countries, reduced its response time to failed billing from about 10 minutes to milliseconds. In practice, this agility prevented thousands of unjustified refusals and translated into direct revenue gains, but above all, loyalty. In a market where speed is the competitive differentiator, preserving the user experience even in the face of instability has become a valuable asset.
While Rappi's priority was speed and real-time consistency, Livelo's need was different: scalability. As one of Brazil's largest rewards companies, processing millions of transactions every month, the company needed predictability to sustain peaks in points accumulation and redemption, especially during promotional campaigns. The implementation of intelligent routing mechanisms and continuous monitoring brought operational stability while also increasing transparency in transaction tracking, making the process more reliable for customers and partners.
On an even more complex level, inDrive, a global urban mobility app, faced the challenge of operating on a global scale, with a presence in over 40 countries, each with different regulations, payment methods, and levels of digital maturity. In this scenario, financial orchestration proved essential to creating an adaptable and predictable infrastructure, capable of responding to diverse realities without compromising the user experience or profitability.
These examples reinforce that payment orchestration is no longer just a technical layer in the backend of operations. It has become a decisive factor in competitiveness, impacting not only revenue and efficiency, but also reputation and loyalty. "Our commitment is to support companies with solutions that instill trust, keep pace with the dynamic pace of the market, and transform periods of high demand into opportunities for sustainable growth," concludes Campos.
