Senior AE Deal Package · Confidential · Feb 2026
Win FlexiCart
Before Day 90.
Before Day 90.
Yuno replaces dLocal & PayU across 10 countries — Stripe stays intact. $2M net Year 1 impact. Contract signature before dLocal expires.
$0M
Annual GMV
$0M
Phase 1 Scope
~$0M
Net Year 1 Impact
0%
Churn from Pay Fails
0%
YoY GMV Growth
0
Days to Close
Navigate with sidebar · Each section unlocks Yuno revenue
Section 01
Deal Qualification
Is FlexiCart the right deal? What's our entry strategy?
Multi-PSP Complexity
3 separate integrations (Stripe, dLocal, PayU) across 18 countries. 3 codebases. 3 PCI audits. 3 reconciliation processes. This is exactly the problem orchestration solves.
Active Approval Rate Pain
Mexico 68%, Colombia 65%, Argentina 61%. dLocal says "that's normal." It's not — it's cross-border processing, which Yuno fixes with local acquiring.
Payment-Failure Churn
18% of subscriber churn from failed recurring payments. Smart retry + local routing = direct churn reduction. Resonates with both Priya (approval rates) and Laura (cost).
Genuine 90-Day Urgency
dLocal contract expires in 90 days. CFO-mandated payments review. This is real urgency — not manufactured. The window is open right now.
Compounding Growth
$840M GMV at 40% YoY. By Year 3: ~$1.6B. Yuno's orchestration fee compounds with every dollar of growth — this is a $4–8M TCV deal.
Engineering Bandwidth Constraint
22-person dev team stretched thin. Reducing from 3 integrations to 1 frees ~2 FTE-equivalents. New markets: 4 months → 2–3 weeks. David's ROI story.
Critical Discovery Questions
Payment method mix in Brazil — % PIX vs. cards? If PIX-heavy, card approval upside is smaller. Changes the financial model.
dLocal exit terms — Early termination penalties? Ask: "Clean break or penalties?"
Stripe volume commitments — Minimum spend? Affects Phase 2 timing and economics.
Tokenization architecture — How is recurring billing implemented? Determines migration complexity.
Fraud & chargeback rates — If >0.8%, 3DS2 SLA has additional ROI. Changes the value story.
Series C timeline — Rumored Q2 close. Position deal as "clean unit economics before fundraising."
Section 02
Stakeholder Strategy
Three stakeholders. Three deals to win. Click each to see the tailored pitch.
"Can you actually improve our approval rates in Mexico and Colombia? dLocal keeps saying 68% is industry standard."
Her #1 Priority
Approval rate optimization. 14 months of "that's normal for cross-border" has her ready to switch. She just needs proof Yuno can actually deliver — not promises.
The Core Message
68% in Mexico is normal for cross-border merchants. Yuno connects FlexiCart to locally-domiciled acquirers — Mexican banks trust local entities. That's the structural fix dLocal cannot offer.
Her Concern
Migration risk. "We can't afford downtime." Answer: shadow mode for 2–4 weeks before any live traffic switches. She controls every go/no-go decision.
The Close
Offer contractual approval rate SLAs with fee credits if missed. dLocal offers "improvement projects." Ask dLocal to match our SLA guarantee in writing. They won't.
"Why should I rip out integrations that took years to build? Stripe's orchestration pitch means we keep the API we know."
His #1 Priority
Developer experience and team bandwidth. 22 engineers stretched thin. He needs to know Yuno is worth 15–20 dev-days — and that Stripe's "free" orchestration isn't actually neutral.
The Core Message
Yuno doesn't rip out Stripe. Phase 1 replaces dLocal and PayU only. Stripe stays live. Zero North American code touched. Then: Stripe is a PSP — its orchestration routes to its own rails. Yuno is pure software. We're neutral.
ROI for His Team
2 fewer codebases. 2 fewer PCI audits. Reconciliation from 3 dashboards → 1. New markets: 3–4 months → 2–3 weeks. ~2 FTE-equivalents freed up.
The Close
Week 1: live sandbox routing demo with our SE. Show a Mexican transaction going to a local acquirer vs. cross-border. He built payment systems — he'll understand immediately. Let the API speak, don't sell.
"How much money do you save us, and how fast? I need a path to 2.5% of GMV. Don't tell me to rip out Stripe."
Her #1 Priority
Unit economics for Series C. Processing at 3.1% of GMV. Target: 2.5%. She needs cost savings now, not approval rate theory — but the combined story is $2M net Year 1.
The Core Message
Phase 1 doesn't touch Stripe. LatAm/SEA only. Year 1: ~$2M net impact ($1M cost savings + $0.9M recovered revenue + $0.5M churn reduction, minus ~$590K Yuno fees). Full payback before Series C closes.
Her Concern
Migration risk to her budget and timeline. Answer: 90-day exit clause. ~15–20 engineering days total. Conservative ROI model. And position this as a Series C story — clean unit economics heading into fundraising.
The Close
Week 2: Yuno VP/CEO 30-min call with Laura — CFO-to-CFO. She needs to trust Yuno's stability. Frame the deal as: "Investors will ask why you're losing 35% of Mexican customers at checkout. This fixes it."
Section 03
Financial Impact Model
Phase 1: LatAm + SEA · $118M GMV · Stripe untouched · All assumptions explicit
Cost Savings Y1
$0K
On existing $118M GMV
Recovered Platform Rev
$0K
From approval rate gains
Churn Reduction
$0K
Smart retry optimization
Net Y1 Impact
~$0M
After ~$590K Yuno fees
Processing Cost Comparison — LatAm + SEA
| Market | GMV | Current Rate | dLocal Rumored Discount | Yuno Rate | Current Cost | Yuno Cost | Savings |
|---|---|---|---|---|---|---|---|
| Brazil | $46M | 3.30% | 3.40%* | 2.54% | $1,520K | $1,170K | +$350K |
| Mexico | $22M | 3.73% | 3.70%* | 2.82% | $820K | $620K | +$200K |
| Colombia | $8M | 4.25% | ~3.90% | 3.19% | $340K | $255K | +$85K |
| Argentina | $5M | 4.60% | ~4.20% | 3.70% | $230K | $185K | +$45K |
| Chile | $3M | 4.67% | ~4.20% | 3.43% | $140K | $103K | +$37K |
| Indonesia | $20M | 4.00% | N/A | 3.10% | $800K | $620K | +$180K |
| Singapore | $9M | 4.00% | N/A | 3.10% | $360K | $279K | +$81K |
| Thailand | $5M | 4.00% | N/A | 3.10% | $200K | $155K | +$45K |
| TOTAL | $118M | 3.74% | — | 2.87% | $4,410K | $3,387K | +$1,023K |
*dLocal rumored to discount Brazil cards → 3.4%, Mexico cards → 3.7%. Even then, Yuno is cheaper — and dLocal's discount does nothing for approval rates.
3-Year Financial Summary
| Impact Category | Year 1 | Year 3 (with GMV growth) |
|---|---|---|
| Processing cost savings | $1,023K | $2,100K |
| Recovered platform revenue (approval rates) | $872K | $1,800K |
| Churn reduction (retry optimization) | $504K | $1,100K |
| Engineering savings (2 fewer integrations) | $200K | $400K |
| Total Gross Impact | $2,599K | $5,400K |
| Yuno Orchestration Fee (0.5% est.) | −$590K | −$1,200K |
| NET IMPACT TO FLEXICART | ~$2.0M | ~$4.2M |
Section 04
Approval Rate Analysis
The structural problem dLocal cannot fix with a discount — and how Yuno solves it.
The Root Cause: dLocal routes FlexiCart's LatAm transactions cross-border (through their US entity). Mexican, Colombian, and Brazilian issuing banks trust local acquirers far more than foreign ones — they apply extra scrutiny to cross-border transactions. Yuno connects FlexiCart to locally-domiciled acquirers in each market. Issuers treat local acquirers like local businesses. That's the fix.
Current vs. Yuno Target — Card Approval Rates
Current (cross-border)
Yuno Target (local acquiring)
Section 05
Objection Handling
Click each card to reveal the response. Never dismiss competitor strengths — acknowledge and reframe.
DC
▼
"Stripe is offering orchestration for free and we love their API. Why migrate to Yuno?"
↳ Response
Stripe's API is excellent — I won't argue that. But Stripe's orchestration is a PSP feature, not neutral software. When Yuno routes a transaction, we optimize for FlexiCart's approval rate and cost. When Stripe routes, they optimize for their own network economics. That's not a conspiracy — it's their business model.
Concrete problem: Stripe's orchestration has no local acquiring in LatAm. You'd still need dLocal or a replacement for Brazil/Mexico — still three vendors, three codebases, three PCI audits. The "free" is a retention play to keep your $655M on their rails.
Ask Stripe this: "What local acquirers do you connect to in Mexico? What approval rate SLAs do you offer?" Watch what happens.
LM
▼
"ROI doesn't justify migration effort. These integrations work. What if something breaks?"
↳ Response
The integrations that "work" are declining 27–39% of customers who want to pay. That's not working — it's leaking. But migration risk is real, which is exactly why we de-risk it: Yuno runs in shadow mode for 2–4 weeks before any live traffic switches.
90-day termination-for-cause clause — if we miss migration KPIs, you exit with zero penalty. Engineering exposure: 15–20 person-days. That's it.
At $2M net Year 1 impact vs. ~$590K in Yuno fees, the payback lands before your Series C closes. Investors will ask why you're losing 35% of Mexican customers at checkout — this is the answer.
PK
▼
"dLocal is promising approval rate improvements if we renew. How do I know Yuno actually delivers?"
↳ Response
dLocal's promise is structurally impossible to keep. They route cross-border — through their US entity — and Mexican issuing banks trust foreign acquirers less. A discount doesn't fix the routing architecture.
Yuno connects FlexiCart to locally-domiciled acquirers in Mexico — entities registered with CNBV that issuers treat like local businesses. That's a different acquiring relationship, not a configuration change.
Two offers: Reference calls with two Yuno LatAm customers who made this exact migration. And contractual approval rate SLAs with fee credits if we miss them. Ask dLocal to put the same thing in writing. They won't.
dL
▼
"Yuno is younger than Stripe or dLocal. What if they get acquired or run out of funding?"
↳ Response
Fair question — deserves a direct answer. Yuno is well-funded with strong investors and growing enterprise TPV. I won't claim Stripe's balance sheet because that would be dishonest.
But the real risk isn't acquisition — it's data portability. If anything happened to Yuno, payment data, tokenization, and routing configs travel with FlexiCart. Our APIs are documented and your data is yours.
dLocal is a publicly traded company under margin pressure. 14 months of "that's normal for cross-border merchants" is the answer of a vendor that stopped working for your business. The real risk: going into Series C fundraising while losing 35% of Mexican customers at checkout.
Section 06
90-Day Deal Plan
Week-by-week from today to contract signature before dLocal expires.
Solutions Engineer — Week 1
LatAm local acquiring experience required. Live routing demo for David. Most important resource request.
Executive Sponsor — Week 2
Yuno VP or CEO for 30-min CFO call with Laura. Series C positioning. Not a product demo.
Customer References — Wk 2–3
Two LatAm subscription merchants who migrated from cross-border PSP. Ideally told "that's normal" before switching.
Security Package — Week 2
SOC 2 Type II · PCI-DSS Level 1 · Pentest summary · GDPR/LGPD data residency. Have these ready before David asks.
Days 1–5
Internal Prep + First Outreach
Brief SE on FlexiCart architecture. Send Priya pre-read. Book Technical Deep-Dive with David. Book Financial Model Review with Priya + Laura.
Week 1
Technical Deep-Dive + Financial Model Review
2-hour technical session with David + SE. Live routing demo. Document concerns, get effort estimate. Separate session with Priya + Laura on financial model.
Week 2
Executive Sponsor Call + Reference Calls
Yuno VP/CEO call with Laura — Series C framing. Priya conducts reference calls with 2 Yuno LatAm customers. Security/compliance package to David.
Week 3
Commercial Proposal to All Three Stakeholders
Present final pricing, approval rate SLAs, migration plan, and contract structure to Priya + David + Laura together.
Weeks 4–6
Legal Review + Pilot Scoping
MSA/DPA negotiation. Shadow mode pilot scope: Brazil + Mexico. Document go-live criteria. Get David's team on integration timeline.
Weeks 7–8
Final Negotiation
Pricing negotiation with Laura. Finalize SLAs, exit clause, Phase 2 right-of-first-negotiation clause. Involve Yuno VP Sales if needed.
Weeks 9–10
✓ CONTRACT SIGNATURE
Signed MSA + SOW. Shadow mode live in Brazil + Mexico. Approval rate baseline established before dLocal expiry.
Section 07
Risk Register
What could go wrong, and how we prevent it before it becomes a deal-killer.
David chooses Stripe orchestration
HIGH · Deal KillerWeek 1 SE technical deep-dive with live routing demo. Ask Stripe to answer: "What local acquirers do you use in Mexico? What approval rate SLAs do you offer?" They can't answer well. Let the contrast do the work.
Laura blocks on migration cost / Series C distraction
HIGH · Deal KillerPhase 1 scope: LatAm/SEA only, Stripe untouched. 90-day exit clause removes financial risk. Executive sponsor call in Week 2. Frame as "Series C story" — clean unit economics before fundraising.
dLocal wins retention with discount + SLA promise
HIGH · Deal KillerPressure dLocal to commit approval rate SLAs in writing with fee credits. Their cross-border model structurally cannot guarantee 82%+ in Mexico. Use that contrast with Priya — "They won't put it in a contract. We will."
Engineering bandwidth delays migration timeline
MEDIUMShadow mode minimizes FlexiCart engineering involvement. SE does heavy lifting. Quantify upfront: "15–20 person-days." Offer to scope the sprint plan so David can budget before signing.
Brazil PIX dominance reduces approval rate upside
MEDIUMModel this proactively. If Brazil is 70%+ PIX, pivot to payment method expansion (iDEAL in Europe, SEA wallet optimization) and cost savings as primary levers. Don't let a model assumption become a credibility problem.
Stripe has volume commitment from FlexiCart
LOW · Discover Wk 1Phase 1 doesn't touch Stripe regardless. If a volume commitment exists, it affects Phase 2 timing only — align North America conversation to Stripe contract renewal date.
DEFINITION OF WIN
✓ Signed MSA covering LatAm + SEA
✓ Shadow mode live in Brazil + Mexico before dLocal expiry
✓ Laura has approved the budget
✓ Phase 2 right-of-first-negotiation clause in contract
"FlexiCart has a $2M/year problem in LatAm and SEA. dLocal's 90-day deadline gives us a clean entry. Stripe stays untouched. Phase 2 is already scoped in the contract."
Section 08 · Deal Close
Post-Meeting Email Drafts
Send these within 2 hours of the all-hands meeting. From deals@flexicart.xyz.yuno
From:ae@flexicart.xyz.yuno
To:p.kapoor@flexicart.com
Subject:Yuno × FlexiCart — Approval Rate SLA Proposal + Next Steps
Hi Priya,
Thank you for the time today — this was exactly the conversation we needed to have.
I want to follow up on the approval rate commitment we discussed. To be direct: Yuno is prepared to include the following in the contract as hard performance SLAs with fee credits if missed:
• Mexico (card transactions): ≥ 82% approval rate within 90 days of go-live
• Colombia: ≥ 78% within 90 days
• Brazil (card transactions): ≥ 84% within 90 days
These aren't "improvement projects" — they're contractual obligations with financial consequences for Yuno if we don't deliver.
On migration risk: as discussed, we run in shadow mode alongside dLocal for 2–4 weeks before any live traffic switches. Your team controls every go/no-go decision. We're not asking you to flip a switch — we're asking you to let us prove the routing logic before you commit.
Next step from my end: I'm sending over two customer references this week — both LatAm subscription merchants who made a similar migration from cross-border to Yuno local acquiring. I'd encourage you to ask them directly about the approval rate timeline and what we delivered vs. promised.
One request: can you set up 30 minutes with Laura and me early next week to walk through the financial model together? I want to make sure she has the same context you do.
Looking forward to it.
Best,
[Your Name]
Senior Account Executive, Yuno
ae@flexicart.xyz.yuno | +1 (512) 000-0000
From:ae@flexicart.xyz.yuno
To:d.chen@flexicart.com
Subject:Yuno API + Integration Spec — For Your Review
Hi David,
Thanks for the candid conversation today — I appreciated the technical depth.
A few things I promised to follow up on:
1. API Documentation & Sandbox Access
I've set up a sandbox environment for your team: https://sandbox.yuno.com/flexicart-demo
Credentials in the attached doc. This includes our full REST API spec, Node/Python/Go SDKs, and a pre-configured routing ruleset for Mexico and Brazil so you can see the local acquirer routing logic before we touch any production traffic.
2. Integration Effort Estimate
Based on what you described about your architecture (token vault on Stripe, dLocal direct integration, PayU via custom retry logic), I estimate Phase 1 migration at 15–20 engineering days for your team. Our Solutions Engineer [Name] will be hands-on throughout — the heavy lifting stays with us.
3. Your Question About Stripe Orchestration
I want to give this a fair answer rather than a sales pitch. Stripe's orchestration routes to Stripe-preferred acquirers. For your North American volume, that's fine — and that's exactly why we're not touching Stripe in Phase 1. For LatAm, the structural issue is that no Stripe-connected orchestration layer gives you a locally-domiciled Mexican acquirer. That's not a feature gap — it's a business model constraint.
4. Security Package
Attached: SOC 2 Type II (March 2025), PCI-DSS Level 1 Attestation, Pentest Summary (December 2024), and LGPD/GDPR data residency documentation.
Can we do a 1-hour follow-up with you and [SE Name] next week to walk through the sandbox and answer any technical questions before the full stakeholder meeting?
Best,
[Your Name]
Senior Account Executive, Yuno
ae@flexicart.xyz.yuno | +1 (512) 000-0000
From:ae@flexicart.xyz.yuno
To:l.mendes@flexicart.com
Subject:FlexiCart × Yuno — Financial Model + Proposed Contract Terms
Hi Laura,
Thank you for your time today — I found your directness refreshing and I want to match it.
Attached is the financial model we walked through, including all assumptions so your team can stress-test them. The headline numbers:
• Year 1 Cost Savings (LatAm + SEA only): $1,023K
• Year 1 Recovered Platform Revenue (approval rates): $872K
• Year 1 Churn Reduction (retry logic): $504K
• Year 1 Engineering Savings: $200K
• MINUS Yuno Fees (~0.5% on $118M): −$590K
• ———————————————————
• NET Year 1 Impact: ~$2.0M
North America (Stripe) is not in scope. This is entirely LatAm and SEA.
On contract terms — what I'm proposing:
• 24-month term (not 36) to reduce your commitment risk
• Monthly billing on actual TPV — no fixed minimum in first 90 days
• 90-day termination-for-cause clause with no penalty if migration KPIs aren't met
• Performance SLAs on approval rates (Mexico ≥82%, Colombia ≥78%, Brazil cards ≥84%) with fee credits if missed
• Right-of-first-negotiation for North America in Month 9
One ask: I'd like to arrange 30 minutes between you and our CEO in the next two weeks — not to pitch, but because I think it's worth having a direct conversation about Yuno's funding position and roadmap ahead of your Series C. That conversation should happen at the leadership level.
Happy to discuss any of this on a call.
Best,
[Your Name]
Senior Account Executive, Yuno
ae@flexicart.xyz.yuno | +1 (512) 000-0000
Priya Kapoor
David Chen
Laura Mendes