myPOS

What myPOS does

myPOS is a European payment service provider founded in 2014 and headquartered in London, built around an integrated platform that bundles payment-acceptance hardware, software, and financial services for small and medium businesses. Its core product stack comprises portable and countertop card readers (myPOS Go 2, Go Combo, Ultra, Unattended) built on Android, a softPOS solution (myPOS Glass / Tap to Pay on iPhone) that turns an iPhone into a contactless terminal via NFC, and online acceptance products including a payment gateway, payment links, a virtual terminal, and a native WooCommerce plugin. The supporting services layer comprises a free multi-currency business account with instant settlement (3 seconds from tap to available funds), a free business debit card, revenue-based financing, an AppMarket of third-party business applications, and a developer API.

The commercial model is primarily transaction-fee based at 1.10% plus £0.07 per UK transaction with no monthly fees or setup costs, supplemented by hardware unit sales (£19–£229 depending on device tier and whether on promotion), optional rental plans, and revenue participation from embedded financing partners. Distribution combines self-serve online onboarding available in 15+ European markets with a Partner Programme for resellers, payment consultants, and developers — a product-led plus channel hybrid calibrated to the long-tail SMB segment. Since being acquired by Advent International in early 2025, myPOS has executed acquisitions of Toporder (France, January 2025), UTP (UK, March 2025), and references LAVEGO, alongside partnerships with finmid (Italy embedded lending) and YouLend (revenue-based financing across UK, Europe, US).

Name

myPOS

Legal name

myPOS World Ltd.

Website

https://mypos.eu

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

myPOS is a European payment service provider offering mobile card readers, softPOS (Tap to Pay on iPhone), online checkout, and a free business account to 350,000+ SMB merchants across 15 European markets, monetized primarily through transaction fees and hardware sales.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (522210)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), General-Purpose Debit Card Schemes (FSAMAAAB)

Keywords

• Card payment processing
• Mobile point of sale
• Contactless payment terminals
• Merchant payment solutions
• SMB payment services

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Supply Chain, Infrastructure

Revenue model

1. Transaction Fees: Per-transaction fees charged as a percentage plus fixed fee (1.10% + £0.07 for UK). Revenue is usage-based, driven by transaction volume across in-person, online, and mobile channels.
2. Hardware Sales: Sale of card machines including myPOS Go 2 (£29/£19), myPOS Go Combo (£169/£119), and myPOS Ultra (£229). One-time purchase revenue with optional rental plans.
3. Business Account Services: Free business account with debit card, revenue-based financing, and instant fund access. Additional revenue from financial services and value-added features.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

myPOS is an FCA-authorised European payment service provider that sells portable Android and Bluetooth card payment terminals (myPOS Go 2, Go Combo, Ultra, Unattended) alongside a software platform that enables in-person, online, and mobile payment acceptance for small and medium-sized businesses. The offering bundles a free business account with debit card, instant 3-second settlement, Tap to Pay on iPhone via the myPOS Glass app, payment links, virtual terminal, online checkout, and revenue-based financing into a single product-led onboarding flow. It operates across 30+ European markets through direct online sales, a partner/reseller programme, and an embedded finance partner network.

Product overview

myPOS is a Bulgaria-based payment services provider offering an all-in-one business platform with card machines and payment processing solutions for in-person, online, and mobile payments. The product portfolio centers on portable card readers including the myPOS Go 2 (entry-level portable reader), myPOS Go Combo (with charging dock), myPOS Ultra (Android-based terminal with printer), and myPOS Unattended (for vending/kiosks). Beyond hardware, the platform includes Tap to Pay on iPhone via the myPOS Glass app, online payment tools (checkout, payment links, virtual terminal, WooCommerce integration), business account services with instant fund settlement, free business debit cards, revenue-based financing, and the myPOS AppMarket for third-party business apps. The platform serves 350,000+ merchants across Europe with real-time payment processing and instant fund access.

Differentiator

Problem solved

Functional benefit

Products and services

• myPOS Go 2 Affordable standalone portable card reader priced at £19–£29 that accepts all card types, Google Pay, and Apple Pay for in-person payments, targeted at small and micro merchants.
• myPOS Go Combo Standalone portable card reader with a portable charging and printing dock, priced at £119–£169, enabling in-person payment acceptance with integrated receipt printing.
• myPOS Ultra Android-based payment terminal with high-speed built-in printer, priced at £229, designed for businesses requiring advanced point-of-sale functionality.
• myPOS Unattended Card payment terminal for vending machines, parking systems, and self-service kiosks that enables unattended transactions.
• Tap to Pay on iPhone (myPOS Glass) Contactless payment acceptance via NFC on iPhone using the myPOS Glass app, allowing merchants to accept contactless cards, Apple Pay, and digital wallets without additional card-reader hardware, available in 15 European markets.
• Online Checkout Payment gateway and shopping cart integration enabling secure online card payment acceptance for merchants operating websites.
• Payment Links Shareable payment links that allow merchants to accept card payments remotely without needing a website or app.
• Virtual Terminal MOTO (Mail Order/Telephone Order) virtual terminal enabling merchants to securely accept card payments taken over email or phone for remote transactions.
• myPOS Business Account Free multi-currency business account with no monthly fees or long-term contracts, providing instant access to received funds and integrated fund management for SMB merchants.
• Business Payment Card Free business debit card with no monthly fees usable for online purchases and contactless payments via Google Pay and Apple Pay.
• Revenue-Based Financing Working-capital financing for SMB merchants based on their myPOS payment data, delivered through embedded partnerships with finmid and YouLend, providing pre-approved offers and rapid funding.

Quantifiable outcome

• Instant settlement in 3 seconds
• +1 more outcomes

Named customers2 records

Segments9 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• finmidcoreStrategic or Co-development Partner · 16 June 2026Embedded lending partnership enabling 90,000+ merchants in Italy to access personalized, pre-approved financing offers based on business performance data. finmid provides full lending infrastructure including underwriting, compliance, servicing, and capital. Italy has one of the largest SME financing gaps in Europe.
• TopordercoreStrategic or Co-development Partner · 21 April 2026Acquisition of French cash software and digital sales management solutions company. Strengthens myPOS's presence in France's retail and HoReCa markets. Part of growth strategy supported by Advent International.
• LAVEGOcoreStrategic or Co-development Partner · 9 March 2026Prior acquisition of LAVEGO combined with Tap to Pay expansion positions myPOS to compete across both micro-merchant and mid-market segments in Europe, including plans for Girocard integration for the German market.
• CONECSminorStrategic or Co-development Partner · 27 February 2026Partnership driving merchant acceptance integration for digital payment solutions in France, specifically for digital meal vouchers (titres-restaurant) moving toward full dematerialization by 2027.
• YouLendminorGTM or Marketing Partner · 8 January 2026New partnership with YouLend, a global embedded financing platform, enabling access to revenue-based financing for myPOS merchants across UK, Europe, and US. YouLend has funded 370,000 businesses with revenue reaching $230 million.
• UTPcoreStrategic or Co-development Partner · 27 March 2025Acquisition to strengthen infrastructure services for UK small and medium-sized enterprises. Strategic move to enhance support capabilities for UK SME customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Revolut Business: Revolut offers business accounts, corporate cards, and payment acceptance across Europe through its broader consumer fintech platform. It overlaps with myPOS on business accounts, cards, and cross-border merchant acceptance.
• Verifone: Verifone is a global provider of POS hardware and payment acceptance solutions, with strong European presence in unattended and traditional retail. Comparable to myPOS on POS terminal hardware and merchant acceptance infrastructure.
• Worldline: Worldline is a major European payment processor and acquirer offering merchant services, terminals, and payment infrastructure across the region. Comparable to myPOS on merchant acceptance and European geographic footprint, though serving larger merchants.
• Nexi: Nexi is a leading European PayTech providing merchant acquiring, payment processing, and POS solutions across Italy, Germany, Nordics, and CEE — directly comparable geographies to myPOS, though focused on enterprise and mid-market.

Direct peers

• Stripe Terminal: Stripe Terminal offers developer-friendly POS hardware (Wise Pad 3, BBPOS WisePOS E) and integrated payment processing, competing with myPOS for both online and in-person SMB acceptance, particularly tech-forward merchants.
• Square (Block): Square, part of Block, offers integrated POS hardware, payment processing, software, and financial services (including Square Banking and lending) for SMBs globally. It is a direct competitor on product breadth, target customer, and platform model.
• SumUp: SumUp is the leading European SMB mobile POS and payment acceptance provider, offering card readers, business accounts, and merchant services across 30+ markets — the most direct head-to-head competitor to myPOS in the European SMB segment.
• Zettle (PayPal): PayPal's Zettle business provides mobile card readers, POS software, and payment processing to SMBs, with strong European presence. Comparable to myPOS on hardware-led SMB payments strategy and merchant acquisition model.

Emerging players

• Toast: Toast is a cloud-based POS platform purpose-built for restaurants with integrated payments and lending; while US-focused, it competes with myPOS in the HoReCa vertical and represents a comparable vertical-specific playbook.
• Lightspeed Commerce: Lightspeed provides cloud-based POS and commerce solutions for retail and restaurants with integrated payments, competing with myPOS in mid-market SMB verticals such as retail and HoReCa across Europe.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/myposofficial
• YouTubeyoutube.com/channel/UCKxJzBGr7X0FHtHytpeS0lw
• Facebookfacebook.com/myposofficial
• LinkedInlinkedin.com/company/mypos-official
• Instagraminstagram.com/mypos.official

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about myPOS