“Can Just Eat Takeaway become the indispensable financial operating layer for independent restaurants by embedding payments, financing, and card-based meal benefits into its food delivery marketplace?”
Founded in 2000 as a Dutch online food ordering marketplace (Thuisbezorgd.nl), the company expanded across Europe before merging with UK's Just Eat in 2020 to become one of the world's largest food delivery platforms. Beyond its core marketplace, JET has progressively embedded financial services for both its restaurant partners (YouLend-powered merchant financing) and corporate clients (Adyen-powered Takeaway Pay Card). Acquired by Prosus in 2025, the company now operates privately with an embedded finance stack anchored by Adyen for payments, card issuing, and checkout unification across 17 countries.
Just Eat Takeaway discloses Adyen as its banking provider, according to the Embedded Finance Index 2026.
Just Eat Takeaway does not disclose a bank charter of its own; its banking services are provided through Adyen.
Just Eat Takeaway processes payments through Adyen. Disclosed money-movement rails: Faster Payments.
Just Eat Takeaway's cards are issued through Adyen on the Mastercard network.
Just Eat Takeaway's lending and capital products are provided by YouLend.
Just Eat Takeaway uses Adyen for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 8 layers in Just Eat Takeaway's stack: Payments / PSP (Adyen); Money movement (Faster Payments); Banking / BaaS (Adyen); Card issuing (Adyen); Card network (Mastercard); Lending (YouLend, JET Restaurant Partner Financing (embedded via YouLend) and Just Eat Inflation Support Package (£1M fund, UK, 2022)); FX & payouts (Adyen); Spend / AP (Adyen).
Just Eat Takeaway was founded by Jitse Groen and is founded in 2000, headquartered in Amsterdam, Netherlands.
Just Eat Takeaway has raised ~$756M post-merger funding round (2020) plus prior rounds in total (latest round: Buyout/LBO (Prosus acquisition, October 2025)).
Get a read on where your own stack stands against Just Eat Takeaway 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.