A shared plan for the next 18 months of partnership — structured around mutual commitments, shared success metrics, and accountable outcomes.
A Joint Business Plan is not a vendor presentation. It's a commitment between two companies with aligned incentives. Here is what we both want to achieve by the end of 2025.
Since July 2023, FlexiPay's TPV has grown +54% in six months, with particularly strong momentum through Q4. January reflects the expected post-holiday normalization — the underlying trend is intact.
Local payment methods are running at or above LatAm benchmarks. The headroom is specifically in card routing — and it is market-specific, not platform-wide.
| Market | Card approval | Local methods | Gap vs. benchmark | Monthly TPV unlock at 80% |
|---|---|---|---|---|
| Mexico | 79.3% | OXXO 91% | −0.7pt | +$0.10M |
| Colombia | 75.7% | PSE 88% | −4.3pt | +$0.24M |
| Chile | 77.3% | Webpay 89% | −2.7pt | +$0.07M |
| Peru | 72.7% | — | −7.3pt | +$0.10M |
Benchmark closure across all four markets unlocks ~$0.50M of additional monthly card TPV = ~$305K of annual net revenue at current volumes — at zero incremental cost to FlexiPay.
A good partnership treats feedback as a roadmap, not a report card. Your December NPS named three things — here is our response to each.
Heard. Peru has two acquirers connected today; the third is pre-negotiated and onboards in Week 3. Combined with ruleset tuning, target: +5pt approval lift in 90 days.
Owned. Named CSM, dedicated Slack, and 4h response SLA go live by end of Week 1 — independent of renewal outcome.
The 18-month integration delivered zero outages and +54% TPV growth. Our proposal compounds that foundation — it does not restart it.
Your engineers flagged what the data flagged. The 90-day sprint addresses the root cause, not the tickets.
Your blended card approval is running 4 to 7 points below LatAm benchmark in these two markets. At your current volumes, closing this gap is worth approximately $305,000 per year in net revenue, at zero cost to you. Our proposal: a focused 90-day routing sprint with market-specific performance targets.
FlexiPay's Brazil opportunity is time-critical. Yuno already supports PIX, Boleto, and local acquiring on your existing integration. We can have you live in three weeks, not months. Base-case modeling suggests $11M+ of monthly TPV by Month 6.
With four backend engineers and twelve open roles, FlexiPay's capacity is the binding constraint on growth. Every decision should minimize their burden. Yuno will absorb 60 hours of our engineering work into your Brazil launch — at no cost — to shield your team.
Kickoff and integration design. Yuno Solutions Engineering joins your team. PIX and Boleto enablement on your existing Yuno instance.
Local card acquirer onboarding (two Brazilian acquirers for redundancy). Sandbox testing with your engineering team.
Production rollout with gradual traffic ramp. Dedicated on-call from Yuno for the first 14 days. Full go-live by end of week.
Explicit assumptions, ranges anchored to FlexiPay's current scale. The Base case is our shared commitment; Aggressive is the ceiling if Brazil merchant onboarding accelerates post-Series B.
| Scenario | BR Month 6 TPV | AR Month 6 TPV | FlexiPay Y1 upside | PIX share of BR |
|---|---|---|---|---|
| Conservative | $6.0M/mo | $1.5M/mo | ~$716K | 40% |
| Base — joint commitment | $11.0M/mo | $2.5M/mo | ~$1.24M | 50% |
| Aggressive | $18.0M/mo | $4.0M/mo | ~$2.05M | 55% |
Key assumptions: BR local-acquired card approval 82-88% by scenario (vs. 62% cross-border baseline) · FlexiPay net margin 5% of GMV · PIX take 0.55% · AR card take 0.90%. Full model available on request.
Partnerships work when both sides show up with specific, measurable commitments. Here is ours — yours and ours.
This proposal is structured around accountability for payment performance, not just pricing. Yuno commits to approval-rate floors with service credits if we miss them.
| Term | Proposed | Rationale |
|---|---|---|
| Card take rate | 0.85% | Tied to performance SLA · median LatAm orchestration rate |
| PIX take rate (Brazil) | 0.55% | Best-in-market for 24-month Brazil commitment |
| Platform fee | $2,000/mo | Included in contract |
| Contract length | 18 months | No hard TPV minimum |
| Performance SLA | Approval floors | Market-specific · service credits if we miss |
| When | Commitment | Who owns it |
|---|---|---|
| Week 1 | Dedicated Slack channel with Yuno engineering · weekly (not bi-weekly) syncs · named CSM | Nicolas + CSM team |
| Week 2 | Brazil fast-track kickoff · Solutions Engineering joins your team | Yuno Solutions Engineering |
| Week 3 | Peru and Colombia approval-rate sprint · third acquirer in Peru · baseline metrics locked | Yuno Routing Team |
| Month 2 | Brazil go-live · first PIX transactions in production | Joint delivery |
| Month 3 | Next QBR · approval-rate sprint results · Argentina scoping | Nicolas |
FlexiPay has a $50M Series B, a 2025 Brazil mandate, and 18 months of partnership with Yuno that has delivered 54% TPV growth with zero platform outages. The path forward is the one we've been on — with more accountability, faster execution, and renewal terms built around outcomes.
Questions? Let's discuss. — Nicolas