MOST.IO

What MOST.IO does

MOST.IO is a privately held payment and retail technology company founded in 2022 and headquartered in Grapevine, Texas, with engineering operations in Chicago and a European headquarters and hardware lab in Dublin. The company provides a dual product portfolio — most.Software and most.Hardware — built specifically for mobile, offline-first environments where connectivity is intermittent. Its software suite comprises a proprietary payment gateway with PCI-validated point-to-point encryption, a mobile point-of-sale application, provisioning and packing apps, a back-office command center, customer ordering tools, logistics and inventory management, and commission processing. The hardware line includes custom payment cases (including an iPad Mini case built with Southwest Airlines), the Puck payment device, the Smart Stand, and the MOST Flex Pay for iPhone solution that pairs Apple Tap to Pay with a slim backup device. Architecture runs on AWS with a proprietary macro-services pattern, and the company was among the first to adopt PCI 4.0 in 2023.

MOST's primary customer segment is airlines, with secondary expansion into mobility operators such as train and automobile companies requiring mobile transaction processing. Named enterprise customers include Southwest Airlines (25,000 flight attendants), Condor, Aer Lingus, Hawaiian, Play, Breeze, Volotea, Porter, Viva, Neos, TUI, Emerald Airlines, KM Malta Airlines, and Travelheart Family / Airseven, with deployments covering North America, Europe, and South America and 1,000 equipped aircraft supporting 5,000 flights daily. The business model combines multi-year enterprise SaaS subscriptions (each client runs on a dedicated GDPR-compliant single-tenant database), payment gateway transaction fees on online and offline transactions, and custom hardware sales with global lifecycle services across US, European, and Asian labs.

MOST reaches customers through direct enterprise field sales targeting airline procurement and IT leadership, complemented by implementation and system-integration partners such as Versilia Solutions, and maintains technology integrations with Chase, Elavon, Apple (Tap to Pay), Google Pay, SAP, and AWS. The company has earned the AWS Well-Architected Award and reports operational metrics including 17% average sales-per-passenger increases across its airline customer base, 99.9%+ deferred authorization success rates, and 10x reductions in manual finance and operations workload. Ownership appears founder-controlled with no disclosed institutional funding, and the company is led by CEO Jan Blanchard.

Name

MOST.IO

Legal name

Move Fast LLC and Most Fast Limited

Website

http://www.most.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

251–500 employees

Short description

MOST.IO provides mobile payment software, a proprietary payment gateway, and custom hardware for airlines and mobility operators. Its offline-first platform enables in-flight retail, inventory management, and crew POS across global deployments on 1,000+ aircraft.

Ownership category

akta.pro rank

Product category

In-flight Mobile Payment and Retail Technology

NAICS

Computer and Peripheral Equipment Manufacturing (33411)

SIC

Services-Prepackaged Software (7372), Computer Peripheral Equipment, Nec (3577)

akta.pro primary industry

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

akta.pro secondary industries

Mobile POS (mPOS) Devices & Handheld Terminals (HDACAKAB), POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)

Keywords

• Mobile payment processing
• Airline retail solutions
• Offline POS software
• Payment hardware devices
• Inventory management software

Headquarters

HQ city

Grapevine

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Subscriptions (SaaS): SaaS model where clients benefit from continuous product improvements every two weeks without requiring onsite updates. Each client receives dedicated GDPR-compliant single-tenant database instance.
2. Transaction Processing: Payment gateway fees for processing transactions, both online and offline, with focus on deferred authorizations for mobile/airline environments.
3. Custom Hardware Sales: Sale of proprietary payment hardware including custom payment cases, payment devices (Puck), charging solutions, and accessories designed and manufactured in Texas, Ireland, and Taiwan labs.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels10 records

Core offering

MOST.IO provides a full-stack mobile payment and onboard retail platform combining most.Software (a modular SaaS suite including a proprietary PCI-validated payment gateway, mobile POS, provisioning/inventory, back-office, and commission processing) with most.Hardware (custom-designed mobile payment cases, payment devices, and accessories). The platform is purpose-built for offline-first, mobile environments such as in-flight airline retail, enabling secure payment processing, inventory management, and AI-driven sales forecasting.

Product overview

MOST.IO offers a dual product portfolio consisting of most.Software (payment and retail software platform) and most.Hardware (custom mobile payment hardware). The software platform is a modular SaaS solution built around a core Payment Gateway with Point of Sale, Provisioning, Back Office, Customer Ordering, Logistics/Inventory, and Commission Processing modules. The hardware portfolio includes Smart Switch Cases, custom payment cases (Puck), Smart Stands, and Flex Pay devices. Both product lines work together to enable airlines and mobility operators to process payments, manage inventory, and optimize retail operations in offline and online environments.

Differentiator

Problem solved

Functional benefit

Brands

• most.Software: Cutting-edge payment software with comprehensive software suite designed for high mobility and offline capabilities.
• most.Hardware

Products and services

• most.Software Comprehensive SaaS software suite designed for high mobility and offline capabilities, enabling payment processing and sales management in dynamic mobile retail environments such as airlines. Includes proprietary payment gateway, mobile POS app, provisioning and inventory management, back-office, customer ordering, and commission processing modules delivered via continuous two-week release cycles with dedicated single-tenant GDPR-compliant database instances.
• most.Hardware Custom-designed mobile payment hardware portfolio including payment sleds, protective cases, payment devices, and accessories that transform mobile devices into secure payment terminals. Designed and manufactured in MOST's labs in Texas, Ireland, and Taiwan, with patent-pending waterproof coating technology.
• Smart Switch Case Versatile mobile payment case that transforms any smartphone or tablet into a comprehensive payment terminal, featuring universal compatibility, customizable branding, and durable design with waterproof coating.
• iPad Mini Payment Case (Puck) Custom payment case developed with Southwest Airlines featuring secure ring holder, integrated payment device (Puck), and single point of charge for enhanced in-flight payment experience. Deployed for 25,000 Southwest Airlines flight attendants as the largest deployment of iPad Minis as payment devices.
• Smart Stand for Sales Point of sale device for stores or cafes equipped with Puck point for contactless payment, chip card slot, QR code scanner, and receipt printing.
• MOST Flex Pay for iPhone Payment solution combining Apple Tap to Pay on iPhone with integrated slim backup payment device for automatic failover, designed for dynamic onboard environments with fluctuating connectivity.
• Service and Maintenance Global hardware lifecycle management service including procurement, fleet management, repair, recycling, PCI key encryption, asset tracking, staging, and kitting services delivered across US, Europe, and Asia.

Quantifiable outcome

• 17% average sales per passenger increase across all airline customers
• +5 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability8 records

Feature9 records

Partnerships

13 partnerships are on record, tiered core, flagship and minor.

• Porter AirlinescoreStrategic or Co-development Partner · 25 June 2026Porter Airlines now live on MOST platform with rapid implementation completed in weeks.
• VivacoreStrategic or Co-development Partner · 18 June 2026MOST platform now live across Viva's entire fleet with AeroRetail. Fully integrated onboard retail and payment solution bringing together payments, retail, and reporting. Onboard sales increased by double digits on day one.
• Versilia SolutionscoreImplementation/ SI/ Consulting Partner · 5 June 2025Onboard retail specialist deploying MOST platform for Volotea's inflight retail program. Manages full program including ERP integration for real-time visibility and seamless reconciliation across inventory, flight loading, onboard sales, and payments.
• Breeze AirwayscoreStrategic or Co-development Partner · 10 February 2025Partnership to support Breeze's transition to bring inflight retail program in-house. Equipped crew with POS system on iPads with PCI-certified payment gateway integrated with OtterBox cases.
• Aer LinguscoreStrategic or Co-development Partner · 1 January 2025Launched end-to-end program with Irish flagship and historic airline in 2025.
• Southwest AirlinesflagshipStrategic or Co-development PartnerFlagship partnership deploying MOST's end-to-end onboard retail and payment solution for 25,000 flight attendants. Custom payment cases designed for iPad Minis with OrderUp POS software. Includes Chase payment system integration with record authorization rates.
• Play AirlinesflagshipStrategic or Co-development PartnerFirst launch partner and inaugural client. Uses MOST software and hardware across airports, gates, check-in counters, and onboard aircraft. Awarded Airline Startup of the Year 2023. Disrupting low-cost travel between US and Europe with one of the highest ancillary revenue performances in Europe.
• Condor AirlinesflagshipStrategic or Co-development PartnerDeployed end-to-end retail platform with significant drop in payment decline rates. Deep integration with Condor's crew rostering, flight scheduling, SAP financial systems, and enterprise data lake. Achieved 99.9%+ deferred authorization success rate.
• ChasecoreTechnology or IntegrationPayment system integration for Southwest Airlines achieving record authorization rates with post-flight refunds and detailed transaction reporting.
• ElavoncoreTechnology or IntegrationPayment processor partnership for US and European airline customers. Presented together at Global Airline Symposium with proprietary payment gateway integrated to Elavon platform.
• AWS (Amazon Web Services)coreTechnology or IntegrationCloud infrastructure provider. MOST architecture utilizes AWS with advanced machine learning tools. Earned AWS Well-Architected status recognition.
• SAPcoreTechnology or IntegrationFinancial system integration for Condor Airlines enabling deep connectivity between MOST platform and airline enterprise systems.
• Travelheart Family / AirsevenminorStrategic or Co-development PartnerDanish tour operator with airline operations using MOST for onboard flight payment processing and back office inventory management. Implemented within 6 weeks for summer season.

Scale indicators12 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Bluebox Aviation Systems: Bluebox provides onboard retail, digital in-flight services, and wireless content platforms for airlines. It is one of the most direct competitors to MOST in the airline onboard retail and payment space, serving similar enterprise airline customers with comparable hardware-plus-software propositions.
• Immfly: Immfly offers an in-flight digital platform combining entertainment, connectivity, and onboard retail/payment services for airlines. Like MOST, it targets the airline vertical specifically with mobile payments and ancillary revenue solutions, and competes for similar enterprise deployments.
• Retail inMotion: Retail inMotion provides onboard retail solutions including payment processing, inventory management, and crew applications for airlines. Its end-to-end approach to onboard commerce directly mirrors MOST's product suite and target customer base of global carriers.
• CellPoint Digital: CellPoint Digital provides payment orchestration and digital payment solutions for the travel and airline industry, including alternative payment methods and mobile checkout. It overlaps with MOST's payment gateway and in-person acceptance infrastructure serving airlines and travel merchants.
• Inflight Dublin: Inflight Dublin delivers in-flight entertainment, connectivity, and onboard retail technology solutions to airlines. Its onboard retail and payment capabilities directly compete with MOST's product portfolio for similar airline customer relationships.

Broad incumbents

• Panasonic Avionics: Panasonic Avionics is a dominant incumbent in airline IFE and connectivity with embedded retail/commerce components. It serves global airlines with bundled offerings where MOST competes as a focused, specialized alternative for onboard payment and retail.
• Thales Avionics: Thales is a major aerospace incumbent offering IFE, connectivity, and onboard digital services. While broader than MOST, its onboard digital services and airline technology footprint overlap with MOST's addressable market and customer base.
• Square (Block): Square provides mobile POS hardware and software for SMBs and enterprises, including custom payment hardware. Although Square targets a different primary market, its mobile POS and payment gateway compete with MOST's underlying technology stack and represent a credible broader-market competitor.
• Adyen: Adyen is a global payment processing platform offering unified online and in-person payment acceptance. While not specialized in aviation, its POS and mobile payment acceptance infrastructure compete at the gateway level with MOST's proprietary payment platform.

Emerging players

• Toast: Toast offers an integrated POS platform combining hardware, software, and payments for the restaurant industry. Its full-stack mobile POS approach parallels MOST's hardware+software+payments model in a different vertical, making it a relevant adjacent comparable for execution and scale patterns.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/Xmost_io
• LinkedInlinkedin.com/company/82312089
• Instagraminstagram.com/with.most

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about MOST.IO