MyCashflow
MyCashflow is a Finnish omnichannel e-commerce SaaS platform serving SMB merchants with integrated online store, POS, and B2B tools, operated by Pulse247 Oy from Kajaani, Finland.
- Company typePrivate
- Founded2007
- HeadquartersKajaani, Finland
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What MyCashflow does
MyCashflow is a Finnish omnichannel e-commerce software platform operated by Pulse247 Oy, founded in 2007 and headquartered in Kajaani, Finland. The platform enables Finnish small and medium-sized merchants to build, launch, and manage online stores, integrated point-of-sale systems, and B2B storefronts through a unified cloud-based system that includes pre-built integrations for Finnish payment providers (Paytrail, Klarna, Kustom Checkout) and logistics carriers (Posti, Matkahuolto, GLS, Postnord, DSV, Shipit). Beyond the core subscription-based online store product (Basic at 590 EUR/year, Advanced at 1,290 EUR/year, Pro at 1,990 EUR/year), MyCashflow sells a bundled POS system (MyCashflow Kassa at 29 EUR/month with Verifone terminal), electronic shelf labels, and add-on modules for loyalty, product reviews, email marketing, product advertising, and product feeds, supported by a free first-month trial and a 0% sales commission model. The company distributes through direct self-serve sign-up, a Finnish-language sales team, a 20% commission partner program for digital agencies, and a free education package for Finnish vocational schools and universities.
MyCashflow firmographics
Firmographics- Name
- MyCashflow
- Legal name
- Pulse247 Oy
- Website
- https://mycashflow.fi
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- MyCashflow is a Finnish omnichannel e-commerce SaaS platform serving SMB merchants with integrated online store, POS, and B2B tools, operated by Pulse247 Oy from Kajaani, Finland.
- Ownership category
- akta.pro rank
Where MyCashflow is headquartered
LocationHeadquarters
- HQ city
- Kajaani
- HQ country
- Finland
- HQ region
- Europe
Offices2 records
Markets served
MyCashflow business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales, Supply Chain
Revenue model
- Subscription (SaaS): Monthly or annual subscription fees based on selected service package (Basic, Advanced, Pro). Pricing tiers provide predictable recurring revenue. No transaction fees or sales commissions charged.
- POS Hardware and Services: Additional POS system subscription at 29 EUR/month including card terminal. Transaction fees for card payments start at 1.49% + 0.08 EUR per transaction.
- Additional Services: Domain registration, SSL certificates, email services, cookie consent management, loyalty programs, product reviews, and advertising tools sold as add-on services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Basic - Entry-level e-commerce package |
| Subscription | Annual | Advanced - Mid-tier package with expanded features |
| Subscription | Annual | Pro - Enterprise-level package |
| Subscription | Monthly | POS System - Physical store point-of-sale |
| Freemium | Pay-as-you-go | Free Trial |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels8 records
MyCashflow product offering
Product offeringCore offering
MyCashflow is a Finnish cloud-based e-commerce SaaS platform that enables merchants to build, manage, and grow online stores. It provides an integrated suite covering storefront design, B2C and B2B sales, payment processing, logistics, marketing tools, and a built-in POS system (MyCashflow Kassa) that synchronizes inventory in real time across online and physical stores. The platform charges 0% sales commission and offers tiered annual subscriptions plus optional add-on modules.
Product overview
MyCashflow is a Finnish omnichannel e-commerce platform operated by Pulse247 Oy, offering an integrated suite of online store, POS, and in-store display tools for B2C and B2B merchants. The core MyCashflow Verkkokauppa platform is a unified SaaS solution providing built-in payment processing, logistics, marketing, and customization tools. It integrates directly with the MyCashflow Kassa (POS) for physical retail, Myymälän Esillepano for electronic shelf displays, and Kustom Checkout for optimized checkout. Additional capabilities include loyalty programs, product reviews, email marketing, product ads, and product feeds for Google Shopping, Meta, and price comparison sites. MyCashflow also offers professional services (custom builds, growth marketing, branding, platform migrations) and dedicated programs for educational institutions and agency partners. The platform features 0% sales commission across all service tiers, with pricing packages from Basic (590 €/year) to Pro (1,990 €/year), and POS at 29 €/month.
Differentiator
Problem solved
Functional benefit
Products and services
- MyCashflow Verkkokauppa (Online Store Platform) A Finnish omnichannel e-commerce SaaS platform enabling merchants to build, run, and grow online stores for B2C and B2B sales. Includes storefront design, inventory, order, payment, logistics, and marketing management in one unified system with no coding required.
- MyCashflow Kassa (POS) Point-of-sale system built directly into the MyCashflow platform that processes in-store sales from the same inventory as the online store in real time. Includes a wireless Verifone card terminal, receipt printing, and electronic shelf label support. Priced at 29 EUR/month plus transaction fees from 1.49% + 0.08 EUR.
- Myymälän Esillepano (Electronic Shelf Labels) Electronic shelf display system for brick-and-mortar stores, integrated with MyCashflow for real-time price updates and in-store product presentation. Hardware available through MyCashflow Store.
- Kustom Checkout High-converting checkout page with a modern, brand-customizable design offering all major payment methods. Built-in extension to the MyCashflow platform.
- Kanta-asiakasohjelma (Loyalty Program) Loyalty and customer rewards program enabling merchants to reward customers for purchases and drive repeat sales both online and in-store. Priced at 49 EUR/month plus 0.16 EUR per order.
- Tuotearvostelut (Product Reviews) Product review and star-rating feature that collects written reviews to support purchase decisions. Priced at 19 EUR/month plus 0.04 EUR per review request sent.
- Sähköpostimarkkinointi (Email Marketing) Email marketing tool integrated with Campaign Monitor for creating campaigns, sending newsletters, and running marketing automations. Priced via Campaign Monitor at 4 EUR/campaign plus 0.016 EUR/recipient.
- Tuotemainokset (Product Ads) Google product advertising feature enabling merchants to run Shopping ads directly from the store dashboard. Priced at 99 EUR/month.
- Tuotesyötteet (Product Feeds) Automated product feed management for price comparison and advertising platforms including Google Shopping, Meta (Facebook and Instagram), Hintaseuranta.fi, and Vertaa.fi. Priced at 19 EUR/month.
- Räätälöity Verkkokauppa (Custom E-commerce) Custom e-commerce build service where MyCashflow professionals design and implement fully customized online stores tailored to client requirements, including custom design, functionality, and best-practice conversion optimization.
- Kasvumarkkinointi (Growth Marketing) Professional growth marketing services to increase online store sales through advertising, SEO, and performance marketing campaigns managed by MyCashflow's experts.
- Kevytbrändäys (Light Branding) Brand identity design service for creating a distinctive visual brand presence for the online store, including logos and visual identity elements.
- Verkkokaupan Siirrot (Store Migration) Platform migration service that transfers an existing online store from another platform to MyCashflow, including data migration and setup assistance.
- MyCashflow Oppilaitospaketti (Education Institution Package) Free e-commerce training package for educational institutions, including a MyCashflow software license for educational use, study materials covering all aspects of e-commerce, and guided training courses.
- MyCashflow Kumppaniohjelma (Partner Program) Partner program for digital agencies, API partners, and educational institutions to resell MyCashflow, build integrations, and refer clients. Offers 20% commission on monthly fees for the first year, partner codes, free test stores, and prioritized development team access.
Quantifiable outcome
- 20% annual revenue growth for customers
- +3 more outcomes
Companies that use MyCashflow
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles5 records
MyCashflow technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration21 records
Feature4 records
MyCashflow partnerships and signals
Strategic signalPartnerships
13 partnerships are on record, tiered core and standard.
- Pulse247 OycoreParent company and sole owner of MyCashflow platform. Software company founded in 2007 in Kajaani, Finland, specializing in e-commerce and physical retail digitization. All MyCashflow operations are under Pulse247 Oy.
- PaytrailcorePre-integrated payment service provider enabling Finnish payment methods including bank payments and credit cards. Available out-of-the-box in all MyCashflow packages.
- KlarnacoreIntegrated buy-now-pay-later payment option available as standard extension in MyCashflow.
- Kustom CheckoutcoreProprietary high-converting checkout solution built for MyCashflow. Includes all major payment methods with brand-customizable checkout page.
- PosticoreIntegrated logistics partner for Finnish parcel delivery, pickup points, and postal services. Address labels and pickup selections managed directly from store admin.
- MatkahuoltostandardFinnish bus and logistics company integrated for parcel delivery and pickup point services.
- GLSstandardInternational logistics partner integrated for European and domestic parcel delivery.
- ShipitstandardShipping aggregation service integrated for multiple carrier options.
- PostnordstandardNordic logistics partner integrated for Scandinavian delivery services.
- DSVstandardFreight and logistics company integrated for larger shipments and business deliveries.
- VerifonecoreCard terminal provider included with MyCashflow POS system. Wireless Verifone payment terminal included with POS subscription.
- GooglecoreIntegrations for Google Shopping product feeds, Google Merchant Center, and Google Ads product campaigns.
- Meta (Facebook/Instagram)coreProduct feed integration for Facebook and Instagram shopping listings.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
MyCashflow competitors and assessment
Company assessmentDirect peers
- Squarespace Commerce: Design-led website and online store platform aimed at SMBs and creatives. Competes with MyCashflow for design-conscious Finnish SMBs wanting a managed commerce solution.
- BigCommerce: Headless and SaaS e-commerce platform serving SMB through enterprise merchants. Comparable category and target segments; competes for the upper end of MyCashflow's Pro tier customers.
- Shopify: Global e-commerce SaaS platform serving SMB and mid-market merchants. MyCashflow explicitly benchmarks itself against Shopify, particularly on the 0% vs 0.5–2% commission and pre-integrated local payment/logistics stack.
- WooCommerce: Open-source e-commerce plugin for WordPress widely used by SMB merchants globally. Direct competitor in the SMB/mid-market e-commerce platform category where MyCashflow also competes.
- Wix eCommerce: Website builder with integrated e-commerce functionality targeting SMBs and entrepreneurs. Comparable to MyCashflow on no-code store creation and SMB-focused value proposition.
Broad incumbents
- Lightspeed Commerce: Unified commerce and POS platform serving retail and hospitality SMBs globally. Closely comparable to MyCashflow's combined e-commerce + POS + in-store (electronic shelf labels) offering but at much larger scale.
Regional players
- Vilkas: Finnish e-commerce and marketing automation platform targeting Nordic merchants. Most direct domestic Finnish competitor to MyCashflow, operating in the same geographic niche with similar SMB focus.
- Lemonsoft: Finnish ERP, e-commerce, and retail software vendor serving SMBs with integrated business management. Adjacent competitor offering commerce capabilities bundled into a broader Finnish business software suite.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
MyCashflow social profiles
Digital presenceMyCashflow compliance and trust
Trust signalCompliance2 records
MyCashflow financial estimates
Financial estimateRevenue estimate
Valuation estimate
MyCashflow leadership team
Management profileNumber of profiles
Profiles1 record
MyCashflow funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MyCashflow 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 MyCashflow
What does MyCashflow do?
MyCashflow is a Finnish cloud-based e-commerce SaaS platform that enables merchants to build, manage, and grow online stores. It provides an integrated suite covering storefront design, B2C and B2B sales, payment processing, logistics, marketing tools, and a built-in POS system (MyCashflow Kassa) that synchronizes inventory in real time across online and physical stores. The platform charges 0% sales commission and offers tiered annual subscriptions plus optional add-on modules.
Is MyCashflow a public or private company?
MyCashflow is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was MyCashflow founded?
MyCashflow was founded in 2007. It employs 1 to 10 people.
Where is MyCashflow based?
MyCashflow is headquartered in Kajaani, Finland, in the Europe region.
How does MyCashflow make money?
Three revenue lines are on record. Subscription (SaaS) is the primary driver. The others are POS Hardware and Services and additional Services.
Who are MyCashflow's main competitors?
Direct peers on record are Squarespace Commerce, BigCommerce, Shopify, WooCommerce and Wix eCommerce. Lightspeed Commerce is listed as a broad incumbent. Regional players are Vilkas and Lemonsoft.
Does MyCashflow have an API?
Yes. MyCashflow offers an API enabling developers to automate data transfer between software systems, build custom integrations, and extend the platform's functionality. The API documentation is available at support.mycashflow.com/api/. Specific details on protocol type (REST/GraphQL), authentication method, rate limits, versioning, or sandbox availability are not specified in the source material. Developer documentation is at support.mycashflow.com/api.