“Can a vertical operating platform become the financial backbone for independent appliance dealers competing against big-box retail?”
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.
appliance.io processes payments through AIO Pay (self-operated).
appliance.io's lending and capital products are provided by Appliance.io Credit Lines (in-house).
appliance.io's embedded insurance is provided by CPS, Allstate Protection Plans and Mulberry.
The Embedded Finance Index 2026 maps 3 layers in appliance.io's stack: Payments / PSP (AIO Pay (self-operated)); Lending (Appliance.io Credit Lines (in-house) and Customer Lines of Credit (store-extended credit)); Insurance (CPS, Allstate Protection Plans and Mulberry).
appliance.io is founded in 2022 and headquartered in Clayton, Missouri, United States.
Get a read on where your own stack stands against appliance.io and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.