Mypinpad
Mypinpad is a Cardiff-based fintech providing SoftPOS technology and secure mobile transaction solutions that turn smartphones and tablets into card-accepting devices. It serves financial institutions, payment processors, merchants, and banks across more than 20 countries on a subscription SaaS model.
- Company typePrivate
- Founded2012
- HeadquartersCardiff, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What Mypinpad does
Mypinpad Ltd. is a Cardiff-headquartered, privately held fintech company founded in 2012 that develops SoftPOS (Software Point of Sale) technology, enabling any smartphone or tablet to accept card payments without dedicated hardware terminals. Its core products include SoftPOS and secure mobile transaction solutions focused on identity authentication and secure card acceptance, delivered as subscription-based SaaS to financial institutions, payment processors, merchants, and banking institutions. Following its April 2022 merger with SmartPesa, the platform incorporates agency banking capabilities aimed at financial inclusion in underserved regions. The company serves clients in over 20 countries across APAC, LATAM, EMEA, and North America, employs between 101 and 250 staff, and is backed by a $13 million strategic investment led by Crossfin Holdings in June 2023.
Mypinpad operates a sales-led go-to-market model, distributing directly to financial institutions and payment processors while supplementing reach through channel partners and resellers globally. Revenue is generated on a recurring SaaS basis, with pricing not publicly disclosed. The company's stated differentiators are its proprietary SoftPOS technology, its combined mobile payments and agency banking platform post-merger, and its cross-regional distribution footprint, although no public revenue figures, customer logos, or detailed cap-table information are available in the source material.
Mypinpad firmographics
Firmographics- Name
- Mypinpad
- Legal name
- Mypinpad Ltd.
- Website
- https://mypinpad.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Mypinpad is a Cardiff-based fintech providing SoftPOS technology and secure mobile transaction solutions that turn smartphones and tablets into card-accepting devices. It serves financial institutions, payment processors, merchants, and banks across more than 20 countries on a subscription SaaS model.
- Ownership category
- akta.pro rank
Mypinpad industry classification
Industry- Product category
- Mobile Payment Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
Keywords
Where Mypinpad is headquartered
LocationHeadquarters
- HQ city
- Cardiff
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Mypinpad business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Payments and Authentication: Mypinpad operates as a SaaS provider for global payments and authentication offerings, enabling secure mobile card payments and identity authentication for merchants and financial institutions.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Mypinpad product offering
Product offeringCore offering
Mypinpad provides SoftPOS and secure mobile transaction software that enables merchants and financial institutions to accept card payments and perform identity authentication on any smartphone or tablet without dedicated hardware terminals. Following the 2022 merger with SmartPesa, the platform also incorporates agency banking capabilities supporting financial inclusion in underserved regions. The offering is delivered as a SaaS platform to financial institutions, payment processors, and merchants across more than 20 countries.
Product overview
Mypinpad is a fintech company providing a unified SoftPOS and secure mobile payment platform. The core offering consists of SoftPOS technology enabling mobile devices to accept card payments without dedicated hardware, combined with secure mobile transaction solutions. Following the 2022 merger with SmartPesa, the platform also incorporates agency banking capabilities, expanding its reach into financial inclusion use cases across APAC, LATAM, EMEA, and North America.
Differentiator
Problem solved
Functional benefit
Products and services
- SoftPOS Software-based point of sale solution enabling mobile devices to accept card payments without dedicated hardware terminals, targeted at merchants, payment processors, and financial institutions.
- Secure Mobile Transaction Solutions End-to-end mobile payment acceptance solutions that enable secure card transactions and identity authentication on mobile devices, targeted at merchants and financial institutions.
- Agency Banking Banking services delivered through mobile agents, enabling financial inclusion in underserved regions via mobile technology, targeted at banking institutions and financial inclusion programs.
Quantifiable outcome
- Clients in over 20 countries across APAC, EMEA, and the Americas
- +1 more outcomes
Companies that use Mypinpad
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Mypinpad technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Mypinpad partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- SmartPesaflagshipMYPINPAD and SmartPesa announced their merger in April 2022, creating a combined entity operating under the MYPINPAD brand. The merger combines Mypinpad's secure mobile payment solutions with SmartPesa's agency banking capabilities to enhance mobile payments acceptance solutions globally. The combined entity aims to expand footprint in APAC, LATAM, EMEA regions, and North America.
Scale indicators3 records
Recent moves5 records
Expansion highlights6 records
Mypinpad competitors and assessment
Company assessmentBroad incumbents
- Worldline: European payment processor and merchant acquirer offering SoftPOS solutions as part of a broader acquiring and payment services portfolio, overlapping with Mypinpad in EMEA and adjacent markets.
- Verifone: Established global POS hardware and software provider expanding into software-based and mobile acceptance solutions, representing both a competitor and potential partner to Mypinpad's SoftPOS offering.
- Stripe Terminal: Stripe's in-person payment acceptance product offering software-based POS and hardware terminals to internet-first businesses, competing with Mypinpad through developer-friendly APIs and Stripe's existing online merchant base.
- Visa (Tap to Phone): Global card scheme promoting its Tap to Phone / Visa Ready SoftPOS program as part of a broader acceptance ecosystem, posing competitive risk through scheme-led mandates and bundled issuer/acquirer offerings.
- Mastercard (Mobile POS): Global card scheme with its own Mobile POS acceptance program and Tap on Phone specifications, representing both a partner and competitive threat to independent SoftPOS providers like Mypinpad.
Direct peers
- SumUp: European-headquartered fintech offering a SoftPOS solution ('SumUp Tap to Pay') that turns smartphones into card acceptance devices, directly competing with Mypinpad's core product for SME merchants and financial institution partners.
- Block (Square): Global mobile POS and payments platform serving SMEs with both hardware terminals and software-based card acceptance; competes with Mypinpad across markets and through its seller ecosystem.
- myPOS: European all-in-one payment solutions provider offering mobile POS terminals and SoftPOS, directly competing with Mypinpad for merchants and small business payment acceptance.
- Zettle by PayPal: PayPal-owned mobile payment acceptance provider (formerly iZettle) offering hardware readers and SoftPOS-style mobile acceptance, directly overlapping with Mypinpad's merchant card acceptance use case.
Regional players
- Pine Labs: India and APAC-focused merchant commerce and payments platform offering POS, SoftPOS, and merchant lending, comparable to Mypinpad in the APAC agency banking and acceptance segments.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Mypinpad social profiles
Digital presenceMypinpad financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mypinpad leadership team
Management profileNumber of profiles
Profiles5 records
Mypinpad subsidiaries and ownership
Company hierarchySubsidiaries1 record
Mypinpad funding detail
Funding detailFunding overview
Funding rounds11 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mypinpad M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mypinpad
What does Mypinpad do?
Mypinpad provides SoftPOS and secure mobile transaction software that enables merchants and financial institutions to accept card payments and perform identity authentication on any smartphone or tablet without dedicated hardware terminals. Following the 2022 merger with SmartPesa, the platform also incorporates agency banking capabilities supporting financial inclusion in underserved regions. The offering is delivered as a SaaS platform to financial institutions, payment processors, and merchants across more than 20 countries.
Is Mypinpad a public or private company?
Mypinpad is a private company. It is classified as venture growth investor backed and is currently operating.
When was Mypinpad founded?
Mypinpad was founded in 2012. It employs 101 to 250 people.
Where is Mypinpad based?
Mypinpad is headquartered in Cardiff, United Kingdom, in the Europe region.
How does Mypinpad make money?
One revenue line is on record: saaS Payments and Authentication.
Who are Mypinpad's main competitors?
Broad incumbents on record are Worldline, Verifone, Stripe Terminal, Visa (Tap to Phone) and Mastercard (Mobile POS). Direct peers are SumUp, Block (Square), myPOS and Zettle by PayPal. Pine Labs is listed as a regional player.
Does Mypinpad have an API?
No public API is recorded for Mypinpad.
What industry is Mypinpad in?
Mypinpad's product category is Mobile Payment Software. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure. Its NAICS code is 52232 and its SIC code is 6199.