Yabie
Yabie is a Swedish fintech providing a cloud-based POS and integrated payments platform — including NFC Tap-to-Pay — for SMBs across the Nordics, with expanding UK reach via Worldpay and over 10,000 active licenses.
- Company typePrivate
- Founded2017
- HeadquartersStockholm, Sweden
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Yabie does
Yabie is a Swedish fintech company founded in 2017 (originally as Kaching) that provides a cloud-based point-of-sale (POS) and integrated payment platform targeting small and medium-sized businesses across the Nordics, with expansion underway into the UK. Its core products are Yabie Express, an iPad-based complete POS with integrated card terminal at SEK 899/month, and Yabie Go, a smartphone-based POS using NFC Tap-to-Pay technology at SEK 599/month, both supported by add-on modules for online ordering (Yabie Online), loyalty (Yabie Loyalty), and bookings (Yabie Booking, acquired as Cliento). The platform is certified by the Swedish Tax Agency (Skatteverket) through cloud-based control units (built on Infrasec IP) and integrates natively with Nordic back-office systems including Fortnox, Visma, Björn Lunden, and Hogia, as well as payment providers Swedbank Pay, Worldpay, Adyen, and Worldline.
Yabie's revenue model blends subscription SaaS fees, payment transaction fees, hardware sales (Swedbank A920/A35 terminals, Yabie Pay AMS1), and revenue share from embedded financial services including Yabie Loans (Froda partnership). Distribution operates through a hybrid motion: self-serve online signup and inside sales for SMBs, direct enterprise sales for large chains, and a partner-first channel strategy anchored by Swedbank, Worldpay (Worldpay 360 in the UK), and Foodora's merchant portal (5,000+ restaurants). The company is headquartered in Stockholm with a Norwegian office in Oslo, employs 70-123 staff, has reached 10,000+ active licenses and over 4 billion SEK in annual gross payment volume, and is backed by Swedbank, Creades, Brightly Ventures, NFT Ventures, and Absolute Unlisted, with a post-money valuation of 960 MSEK as of June 2022.
Yabie firmographics
Firmographics- Name
- Yabie
- Legal name
- Yabie AB
- Website
- https://yabie.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Yabie is a Swedish fintech providing a cloud-based POS and integrated payments platform — including NFC Tap-to-Pay — for SMBs across the Nordics, with expanding UK reach via Worldpay and over 10,000 active licenses.
- Ownership category
- akta.pro rank
Yabie industry classification
Industry- Product category
- Point-of-Sale (POS) and Payment Software
- NAICS
- Software Publishers (5132), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- SIC
- Services-Computer Programming Services (7371)
- akta.pro primary industry
- POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)
- akta.pro secondary industries
- EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), BNPL Merchant Enablement (Plugins, Gateways, Reconciliation) (FSAGAIAF)
Keywords
Where Yabie is headquartered
LocationHeadquarters
- HQ city
- Stockholm
- HQ country
- Sweden
- HQ region
- Europe
Offices2 records
Markets served
Yabie business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription Revenue (SaaS): Monthly subscription fees from Yabie Express (SEK 899/month) and Yabie Go (SEK 599/month) POS systems. Recurring revenue model with cloud-based software delivery.
- Payment Transaction Fees: Revenue from card payment processing, Swish transactions, and Klarna payments. Competitive rates through partnerships with Swedbank and other payment providers. Transaction fees vary by agreement and merchant volume.
- Hardware Sales: Sale of POS hardware including card terminals (Swedbank A920, A35, Yabie Pay AMS1), receipt printers (Star mPop, mc-Print3), and cash drawers.
- Yabie Loans (Financing Partnership): Revenue sharing from Yabie Loans financing solution developed with Froda, offering business loans to SMB customers through the Yabie platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Yabie Express - iPad POS System |
| Subscription | Monthly | Yabie Go - Smartphone POS |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels10 records
Yabie product offering
Product offeringCore offering
Yabie provides a cloud-based point-of-sale (POS) and payment platform for Nordic small and medium-sized businesses and retail chains. Its two flagship products are Yabie Express (iPad-based complete POS with integrated card terminal at SEK 899/month) and Yabie Go (smartphone-based POS and card terminal using NFC Tap-to-Pay technology at SEK 599/month). The platform unifies payments, inventory management, loyalty programs, online ordering, and automated financial reporting, and is certified by the Swedish Tax Agency (Skatteverket) for compliant cash register operation.
Product overview
Yabie offers a unified POS and payments platform with two main products: Yabie Express (iPad-based complete POS with integrated card terminal) and Yabie Go (smartphone-based POS and card terminal using Tap-to-Pay technology). The platform includes add-on modules for online ordering (Yabie Online), customer loyalty (Yabie Loyalty), and booking services (Yabie Booking, acquired as Cliento). Yabie's POS is certified for Swedish Tax Agency (Skatteverket) requirements with cloud-based control units. The company also provides integrated payment terminals (Swedbank A920, A35, Yabie Pay AMS1) and partners with Froda for business financing (Yabie Loans). Yabie's platform targets SMBs across hospitality, retail, and service industries in the Nordics with expansion into the UK.
Differentiator
Problem solved
Functional benefit
Brands
- Yabie Express: Complete iPad-based POS system with integrated card terminal, software, hardware and payment options for small to medium businesses.
- Yabie Go
- Yabie Loyalty
- Yabie Pay
- Yabie Emergency POS
- Yabie Loans
Products and services
- Yabie Express iPad-based complete POS system with integrated card terminal for small and medium-sized businesses. Includes software, hardware, POS functionality, all payment options (card, Swish, Klarna), automatic reporting, 24/7 support, and backoffice. Cloud-based with automatic updates and certified by the Swedish Tax Agency.
- Yabie Go POS system and card terminal combined in a smartphone using NFC Tap-to-Pay technology. Transforms any Android (and later iOS) phone into a complete POS and contactless payment terminal without additional hardware. Priced at SEK 599/month.
- Yabie Pay AMS1 Card terminal hardware integrated with the Yabie POS system, connected via SIM card for deployment flexibility.
- Yabie Booking Modern booking system for service businesses to manage appointments and schedules. Originated as Cliento (acquired February 2022), which offered the market's most modern booking system with 400+ business customers using the system daily. Now integrated into the Yabie product suite under cliento.com.
- Yabie Emergency POS Backup and side-by-side POS solution for when the main system is unavailable. Used by IKEA in all Swedish stores as a business continuity solution.
- Worldpay 360 All-in-one business management and payment solution for UK SMBs, powered by Yabie's POS technology through a strategic partnership with Worldpay. Represents Yabie's expansion into the UK market via Worldpay's distribution network.
Quantifiable outcome
- 519% revenue growth in 2021 (from 5 to 33 MSEK)
- +4 more outcomes
Companies that use Yabie
Customer profileNamed customers11 records
Segments4 records
Ideal customer profiles3 records
Yabie technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
Feature7 records
Yabie partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core, major and minor.
- WorldpaycoreStrategic partnership where Yabie's POS platform powers the merchant business tools within Worldpay 360, a new all-in-one business management and payment solution tailored for UK SMBs. This represents Yabie's expansion into the UK market through Worldpay's distribution network.
- FortnoxcoreAccounting software integration allowing automatic reporting from Yabie's POS directly to Fortnox, simplifying bookkeeping for merchants. One of the key integrations in Yabie's ecosystem.
- FoodoramajorExclusive cash register partner for Foodora's benefits portal serving over 5,000 restaurants and shops in Sweden. Foodora offers Yabie's POS and payment solutions at special rates through their merchant benefits program.
- FrodamajorPartnership to launch Yabie Loans, a financing solution for SMBs. Built on Froda's Financing as a Service platform, enabling Yabie's merchants to access business loans seamlessly integrated into the POS system.
- Cash ITcoreAcquired in February 2022. Leading Nordic actor in payment solutions for in-store retail with focus on larger retail chains. Major acquisition expanding Yabie's customer base across Sweden, Norway, Denmark, and Finland with 1,000+ customers.
- InfraseccoreAcquired in March 2022. Security company developing the market-leading SaaS solution for cloud-based control units for the Swedish Tax Agency. Broadens Yabie's offering in a critical compliance segment.
- ClientomajorAcquired in February 2022. Booking platform opening a new market segment in the service sector. Cliento offers modern booking systems with 400+ business customers.
- Ludvig & CominorPartnership with Ludvig & Co to simplify everyday life for Sweden's restaurants and store owners, announced May 2025.
Scale indicators10 records
Recent moves8 records
Expansion highlights6 records
Yabie competitors and assessment
Company assessmentDirect peers
- Zettle (PayPal Zettle): PayPal-owned SMB POS and mobile card-reader competitor operating across the Nordics and Europe. Directly comparable as both target small merchants with integrated POS + payments and offer Tap-to-Pay on smartphone. A frequently cited competitor in Yabie's customer reviews ('Went from Zettle to Yabie').
- SumUp: Global SMB payments and POS provider with strong Nordic presence. Directly competes in mobile card readers, Tap-to-Pay on smartphone, and integrated POS software for SMBs across retail and hospitality — the same core use cases as Yabie Express and Yabie Go.
- Square (Block): Block-owned SMB POS, payments, and software platform. Comparable as a vertically integrated POS + payments + add-on software (loyalty, online, lending) play targeting small businesses — a one-stop-shop model that parallels Yabie's all-in-one proposition.
- iZettle: Original Nordic SMB POS pioneer (now PayPal Zettle). Operates in the same Sweden/Nordic SMB segment with mobile card readers and POS software; several Yabie board members and team (e.g., Tanya Juul Kjaer) are iZettle alumni, making it a closely comparable direct competitor.
Broad incumbents
- Lightspeed Commerce: Larger publicly traded retail and hospitality POS incumbent with Nordic footprint. Comparable in retail and restaurant verticals; offers broader multi-location features but less SMB-focused and lacks the integrated smartphone Tap-to-Pay differentiator Yabie leads with.
- Shopify POS: Shopify's retail POS extension serving SMB and mid-market merchants across Europe. Comparable in retail POS + payments bundle and SMB target market, but typically tied to the Shopify commerce ecosystem rather than standalone like Yabie.
- Verifone: Global payment-terminal hardware and integrated POS provider, also a Yabie integration partner (Verifone terminals). Comparable as an enterprise payments infrastructure player; however, more terminal/hardware-led than Yabie's software-first SMB focus.
- Worldline: European payment-processing giant, also a Yabie partner/integrator and the parent of Bambora. Comparable as a payment-acquirer and SMB POS provider in the Nordics; much larger scale but less differentiated on Tap-to-Pay smartphone POS and SMB UX.
- Nets (Nexi): Leading Nordic payment processor (now part of Nexi). Comparable as an enterprise and SMB payment-acquirer and POS integrator across the Nordics; serves many of the same merchants but with a more bank-led, less SMB-product-led approach than Yabie.
Others
- Froda: Swedish fintech providing embedded SMB financing (Financing as a Service). Comparable as Yabie's Loans partner enabling embedded lending to Yabie's merchant base; not a direct competitor but an ecosystem partner that enables Yabie's monetization of financial services.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Yabie social profiles
Digital presenceYabie compliance and trust
Trust signalCompliance2 records
Yabie financial estimates
Financial estimateRevenue estimate
Valuation estimate
Yabie leadership team
Management profileNumber of profiles
Profiles17 records
Yabie subsidiaries and ownership
Company hierarchySubsidiaries2 records
Yabie funding detail
Funding detailFunding overview
Funding rounds6 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Yabie M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Yabie
What does Yabie do?
Yabie provides a cloud-based point-of-sale (POS) and payment platform for Nordic small and medium-sized businesses and retail chains. Its two flagship products are Yabie Express (iPad-based complete POS with integrated card terminal at SEK 899/month) and Yabie Go (smartphone-based POS and card terminal using NFC Tap-to-Pay technology at SEK 599/month). The platform unifies payments, inventory management, loyalty programs, online ordering, and automated financial reporting, and is certified by the Swedish Tax Agency (Skatteverket) for compliant cash register operation.
Is Yabie a public or private company?
Yabie is a private company. It is classified as venture growth investor backed and is currently operating.
When was Yabie founded?
Yabie was founded in 2017. It employs 51 to 100 people.
Where is Yabie based?
Yabie is headquartered in Stockholm, Sweden, in the Europe region.
How does Yabie make money?
Four revenue lines are on record. Subscription Revenue (SaaS) is the primary driver. The others are payment Transaction Fees, hardware Sales and yabie Loans (Financing Partnership).
Who are Yabie's main competitors?
Direct peers on record are Zettle (PayPal Zettle), SumUp, Square (Block) and iZettle. Broad incumbents are Lightspeed Commerce, Shopify POS, Verifone, Worldline and Nets (Nexi). Froda is listed as an others.
Does Yabie have an API?
No public API is recorded for Yabie.
What industry is Yabie in?
Yabie's product category is Point-of-Sale (POS) and Payment Software. Its primary akta.pro industry code is FSAMADAC, POS Payment Software & Middleware (Terminal OS, Apps, Device Management), with a secondary code of FSAMADAG, EMV Chip, Magstripe & PIN Debit Acceptance. Its NAICS code is 5132 and its SIC code is 7371.