Uome
Uome is a mobile-first fintech super-app that lets solo entrepreneurs and micro-businesses invoice clients, accept payments and submit HMRC VAT returns from a single smartphone, with a B2B white-label API platform for financial institutions.
- Company typePrivate
- Founded2022
- HeadquartersLondon, United Kingdom
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Uome does
Uome is a London-based, mobile-first fintech super-app for solo entrepreneurs and micro-businesses, founded in 2022 by former Goldman Sachs, Merrill Lynch, Credit Suisse and HSBC financial technologist Jason Halstead. The company bundles invoicing, quotes, an immutable chat-based CRM, hardware-free point of sale (aPOS/Tap to Pay on iOS 16.4+ and Android 11+), e-commerce shopfront generation, catalogue and inventory management, expense tracking, financial dashboarding, and HMRC Making Tax Digital VAT submission into a single application distributed through the Apple App Store and Google Play in the UK and US. Underlying infrastructure is composed of cloud-based services with integrations to Stripe (card payments, Apple Pay, Google Pay), Klarna (Buy Now Pay Later), Plaid (identity and open banking), Pathward/Marqeta (Mastercard Prepaid Card issuance under FDIC-member bank) and Open Banking rails via account-to-account instant payments.
Uome firmographics
Firmographics- Name
- Uome
- Legal name
- Uome Ltd
- Website
- https://myuome.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Uome is a mobile-first fintech super-app that lets solo entrepreneurs and micro-businesses invoice clients, accept payments and submit HMRC VAT returns from a single smartphone, with a B2B white-label API platform for financial institutions.
- Ownership category
- akta.pro rank
Uome industry classification
Industry- Product category
- SME Fintech Software / Mobile Business Management Platform
- NAICS
- Custom Computer Programming Services (541511)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
- akta.pro secondary industries
- Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Open Banking APIs & Connectivity (FSAMAFAA), Tax Compliance, Filing & VAT/GST Automation (SME) (FSAGAJAJ)
Keywords
Where Uome is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
Uome business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Subscription Revenue: Monthly or annual subscription plans providing access to premium features including item inventory, purchase orders, dashboard analytics, expense tracking, sales tax support, and unlimited invoices. Free tier available with basic functionality and billing limits.
- Payment Processing Fees: Transaction fees charged when merchants accept card payments through Stripe integration. Standard rates apply per transaction, with additional fees for international cards, web checkout links, and Klarna 'Buy Now Pay Later' payments.
- Open Banking: No transaction fees for open banking/A2A payments, enabling free instant transfers for subscribers. Revenue derived from user adoption and premium subscription features.
- Affiliate Programme: 15% recurring commission paid to affiliates for each referred user who subscribes. Zero-risk programme with no hidden costs for affiliates.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free tier for basic usage |
| Subscription | Monthly | Simple Subscription - £9.99 per month |
| Subscription | Monthly | US Subscription - $19.99 per month |
| Transaction based/ take rate | Pay-as-you-go | Stripe UK card payment fees |
| Transaction based/ take rate | Pay-as-you-go | Stripe US card payment fees |
| Transaction based/ take rate | Pay-as-you-go | Klarna payment processing fees |
| Usage-based | Pay-as-you-go | Affiliate Commission |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels7 records
Uome product offering
Product offeringCore offering
Uome is a mobile-first fintech super-app that lets solo entrepreneurs, freelancers and micro-businesses send invoices, manage clients via an integrated chat CRM, accept in-person and online payments (Tap to Pay, Open Banking, Stripe card payments, Klarna BNPL) and submit HMRC-compliant VAT returns directly from their phone. It also operates a B2B Uome Platform offering white-label super-app infrastructure and APIs for banks and financial institutions to embed SME banking services.
Product overview
Uome is a mobile-first fintech super-app for solo entrepreneurs, micro-businesses, and SMEs, combining business management tools with payment infrastructure. The core Uome Mobile App serves as the central platform, integrating Uome Chat for client communication, Invoicing & Quotes for billing, Point of Sale for in-person payments, and VAT/Tax compliance tools. The platform operates on a freemium model with a free tier for basic billing and chat, and a subscription tier (£9.99/month UK, $19.99/month US) unlocking advanced features including Open Banking instant transfers, E-commerce shopfront, inventory management, expense tracking, and HMRC VAT submissions. For B2B partners, the Uome Platform provides white-label API infrastructure for financial institutions. The Uome Mastercard Prepaid Card extends services to US businesses.
Differentiator
Problem solved
Functional benefit
Products and services
- Uome Mobile App A mobile-first financial super-app for solo entrepreneurs, freelancers and micro-businesses that combines client chat CRM, invoicing, quotes, point of sale, tap to pay, open banking, e-commerce shopfront, expenses, scheduler, financial dashboard and HMRC MTD VAT submission in a single smartphone app for the UK and US markets.
- Uome Platform (White-label and API Infrastructure) A B2B fintech enablement platform offering white-label super-app infrastructure and REST APIs (developers.myuome.com/apis) for banks, financial institutions and fintech startups to embed Uome's SME banking, invoicing, payments and POS capabilities into their own products.
- Uome Mastercard Prepaid Card (US) A US business prepaid card issued by Pathward, N.A. (Member FDIC) under a Mastercard license, with Marqeta as program manager, available to US-based Uome users in virtual and plastic form.
Quantifiable outcome
- Cash flow improvement for startups through instant payment options
- +1 more outcomes
Companies that use Uome
Customer profileNamed customers1 record
Segments7 records
Ideal customer profiles2 records
Uome technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability6 records
Feature7 records
Uome partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, flagship and minor.
- Fund OnioncoreUome partnered with Fund Onion to provide access to capital for small businesses. This partnership addresses the infrastructure gaps for small businesses and solo entrepreneurs who have limited access to capital for growth.
- MastercardflagshipUome was selected to participate in Mastercard's Start Path 2023 Small Business programme, enhancing its position in the fintech sector. The programme focuses on helping SMEs with payment systems, access to capital, and digital decision-making tools. Uome has also signed a contract with Mastercard to offer virtual cards in North America.
- Pathward, N.A.corePathward, N.A. is the issuing bank for Uome's Mastercard Prepaid Card programme. Cards are issued by Pathward, National Association, Member FDIC, pursuant to a license from Mastercard International Incorporated.
- MarqetacoreMarqeta serves as the Program Manager for Uome's Mastercard Prepaid Card, performing services related to the Account and Cards on behalf of Pathward, N.A.
- StripecoreStripe integration enables Uome users to accept card payments, Apple Pay, Google Pay, and Klarna. Users must complete identity verification through Stripe and connect their Stripe account to enable payment processing.
- KlarnacoreKlarna integration allows Uome merchants to offer Buy Now Pay Later options to customers. Merchants receive upfront payment while customers can spread costs. Fees apply per transaction.
- Jay SingerminorJay Singer, former Senior Vice President at Mastercard with 27-year career, joined Uome as a strategic advisor following the partnership. Brings extensive fintech and SME financial services experience.
Scale indicators4 records
Recent moves8 records
Expansion highlights5 records
Uome competitors and assessment
Company assessmentDirect peers
- SumUp: SumUp provides mobile card readers, Tap to Pay on smartphone, invoicing, and business accounts targeted at micro-merchants and sole traders in the UK and Europe. Directly comparable to Uome on product (mobile POS + invoicing + payments) and customer profile (solo entrepreneurs and SMBs).
- PayPal Zettle (formerly iZettle): PayPal Zettle offers mobile POS hardware and software, Tap to Pay on phone, invoicing, and payment processing for small businesses across Europe and the US. Closely comparable to Uome's aPOS / Tap to Pay / invoicing / payments stack for the freelancer and SMB segment.
- FreshBooks: FreshBooks is an invoicing and accounting platform with integrated online payments aimed at freelancers, consultants, and small service businesses. Comparable to Uome on invoicing, payments, and the freelancer / sole-trader target customer, though without hardware-free in-person POS.
- Wave Accounting: Wave provides free invoicing, accounting, and payment acceptance for small businesses and freelancers. Directly comparable to Uome's freemium model, invoicing, and payments positioning for the micro-business segment, although Wave lacks Tap-to-Pay-style mobile POS.
Broad incumbents
- Square (Block): Square (Block) provides mobile POS hardware and software, Tap to Pay, invoicing, e-commerce, banking, and lending to SMBs. Overlaps with Uome across invoicing, payments, POS, and online store, but at vastly greater scale and a much broader product portfolio.
- QuickBooks (Intuit): QuickBooks offers invoicing, payments, payroll, expenses, and tax compliance for SMBs and self-employed. Comparable to Uome on the invoicing, payments, expense tracking, and tax-compliance stack, but at a far larger scale and broader feature set.
- Xero: Xero is a cloud accounting platform with invoicing, payments, expenses, and HMRC-recognised MTD VAT filing for SMBs and accountants. Comparable to Uome on UK VAT filing, invoicing, and payments, though Xero serves the broader accountant-led SMB market.
- Stripe (Terminal): Stripe Terminal provides Tap to Pay on smartphone and card-reader POS infrastructure used by platforms serving SMBs. Uome is itself a Stripe customer, but Stripe Terminal competes in the same underlying acceptance space and is increasingly packaged with invoicing-style features for platforms.
Emerging players
- GoDaddy Payments: GoDaddy offers invoicing, online payments, and Tap to Pay on smartphone for SMBs and sole traders bundled with its website and commerce products. Comparable to Uome on mobile POS, invoicing, and the self-employed customer profile, though as an add-on within GoDaddy's broader commerce stack.
Regional players
- Tide: Tide is a UK-focused SME business banking and admin platform with invoicing, expenses, and accounting integrations for sole traders and small businesses. Comparable to Uome on the UK sole-trader / micro-business segment, though anchored in business banking rather than mobile-first POS and payments.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Uome social profiles
Digital presenceUome compliance and trust
Trust signalCompliance5 records
Uome financial estimates
Financial estimateRevenue estimate
Valuation estimate
Uome leadership team
Management profileNumber of profiles
Profiles2 records
Uome funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Uome 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 Uome
What does Uome do?
Uome is a mobile-first fintech super-app that lets solo entrepreneurs, freelancers and micro-businesses send invoices, manage clients via an integrated chat CRM, accept in-person and online payments (Tap to Pay, Open Banking, Stripe card payments, Klarna BNPL) and submit HMRC-compliant VAT returns directly from their phone. It also operates a B2B Uome Platform offering white-label super-app infrastructure and APIs for banks and financial institutions to embed SME banking services.
Is Uome a public or private company?
Uome is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Uome founded?
Uome was founded in 2022. It employs 1 to 10 people.
Where is Uome based?
Uome is headquartered in London, United Kingdom, in the Europe region.
How does Uome make money?
Four revenue lines are on record. Subscription Revenue is the primary driver. The others are payment Processing Fees, open Banking and affiliate Programme.
Who are Uome's main competitors?
Direct peers on record are SumUp, PayPal Zettle (formerly iZettle), FreshBooks and Wave Accounting. Broad incumbents are Square (Block), QuickBooks (Intuit), Xero and Stripe (Terminal). GoDaddy Payments is listed as an emerging player. Tide is listed as a regional player.
Does Uome have an API?
Yes. Uome offers an API platform for developers and startups, with API reference documentation available at developers.myuome.com/apis. The platform provides infrastructure for B2B API services targeting SMEs. Developer documentation is at developers.myuome.com/apis.
What industry is Uome in?
Uome's product category is SME Fintech Software / Mobile Business Management Platform. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure, with a secondary code of FSAGALAE, Embedded Deposit Accounts & Digital Wallet Infrastructure. Its NAICS code is 541511 and its SIC code is 7370.