Offering a switching service, Merchant Safe® Unipay is an electronic payment solution which can be integrated with the virtual POS infrastructure of multiple banks and which can also store the card data for future payments. Thanks to its integration with the payment gateways of multiple banks, Merchant Safe® Unipay allows merchants to manage virtual POS infrastructure using one single interface. The smart "switch" feature routes payments to the most approptiate bank according to certain rules and priorities; thus helps merchants to keep the transaction costs at minimum.