MyCashflow

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.

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

Headquarters

HQ city

Kajaani

HQ country

Finland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core 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

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

Feature4 records

Partnerships

13 partnerships are on record, tiered core and standard.

• Pulse247 OycoreOthersParent 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.
• PaytrailcoreTechnology or IntegrationPre-integrated payment service provider enabling Finnish payment methods including bank payments and credit cards. Available out-of-the-box in all MyCashflow packages.
• KlarnacoreTechnology or IntegrationIntegrated buy-now-pay-later payment option available as standard extension in MyCashflow.
• Kustom CheckoutcoreTechnology or IntegrationProprietary high-converting checkout solution built for MyCashflow. Includes all major payment methods with brand-customizable checkout page.
• PosticoreTechnology or IntegrationIntegrated logistics partner for Finnish parcel delivery, pickup points, and postal services. Address labels and pickup selections managed directly from store admin.
• MatkahuoltostandardTechnology or IntegrationFinnish bus and logistics company integrated for parcel delivery and pickup point services.
• GLSstandardTechnology or IntegrationInternational logistics partner integrated for European and domestic parcel delivery.
• ShipitstandardTechnology or IntegrationShipping aggregation service integrated for multiple carrier options.
• PostnordstandardTechnology or IntegrationNordic logistics partner integrated for Scandinavian delivery services.
• DSVstandardTechnology or IntegrationFreight and logistics company integrated for larger shipments and business deliveries.
• VerifonecoreTechnology or IntegrationCard terminal provider included with MyCashflow POS system. Wireless Verifone payment terminal included with POS subscription.
• GooglecoreTechnology or IntegrationIntegrations for Google Shopping product feeds, Google Merchant Center, and Google Ads product campaigns.
• Meta (Facebook/Instagram)coreTechnology or IntegrationProduct feed integration for Facebook and Instagram shopping listings.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct 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

• Facebookfacebook.com/mycashflowfi
• LinkedInlinkedin.com/company/mycashflow
• Instagraminstagram.com/mycashflow.fi
• Xx.com/mycashflowfi

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 MyCashflow