appliance.io
“Can a vertical operating platform become the financial backbone for independent appliance dealers competing against big-box retail?”
Founded2022
HQClayton, Missouri, United States
IndustryVertical SaaS / Appliance Retail
The story
Appliance.io is a vertical SaaS platform for independent appliance dealers, unifying POS, inventory, delivery routing, e-commerce, and payments in one system. Its embedded finance play centers on AIO Pay (integrated card acceptance) and store-extended customer credit lines, with third-party protection plans (CPS, Allstate, Mulberry) rounding out the finance stack.
Product timeline
2022
Appliance, Inc. founded as an all-in-one operating platform for appliance retailers.· founding
2024
Launched AIO Pay, embedded payments product integrated with POS and customer portal.· payments
The stack
3 layers disclosed in appliance.io’s embedded-finance stack
Payments / PSP
AIO Pay (self-operated)
Lending
in the full report
Insurance
in the full report
Accounting gap: significant
5 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.