Epos Now
“Can a cloud POS provider for independent SMB merchants become the full embedded financial OS — combining payments, capital, payroll, and accounting — that lets small retailers and hospitality businesses compete with enterprise chains?”
Founded in 2011 as a cloud-based POS provider for UK SMBs in retail and hospitality, Epos Now has progressively expanded from pure software into an embedded finance platform. Beginning around 2023-2024, the company began layering financial services — payments, capital/lending, and payroll — directly into its POS ecosystem, positioning itself as a single-destination financial OS for independent merchants. The Adyen partnership (2024) signals a deliberate move toward becoming a full-stack embedded finance platform, competing for merchant wallet share beyond the till.