← Embedded Finance Index 2026

Just Eat Takeaway

“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?”

Founded2000
HQAmsterdam, Netherlands
FoundersJitse Groen
Total raised~$756M post-merger funding round (2020) plus prior rounds
Latest roundBuyout/LBO (Prosus acquisition, October 2025)
IndustryMarketplace / Food delivery
The story

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.

Last 12 months
2025-10
2025-11
2026-07
Product timeline
2000
Founded as Thuisbezorgd.nl in the Netherlands by Jitse Groen, operating as an online food ordering marketplace.· pivot
2020
Takeaway.com acquired UK-based Just Eat in a £6.2B merger approved by the UK CMA, creating Just Eat Takeaway.com N.V.· acquisition
2020
Raised €700M ($756M) in new shares and convertible bonds post-merger to fund competitive expansion.· banking
2021
Launched Takeaway Pay Card powered by Adyen — a pre-funded Mastercard/Maestro debit card for employee meal expenses and corporate clients in Europe.· card
2022
Launched YouLend-powered embedded financing for restaurant partners in the UK, offering revenue-based financing to independent restaurants.· lending
2025
Acquired by Prosus in October 2025; delisted from London Stock Exchange (November 2024) and Euronext Amsterdam (November 2025).· acquisition
2026
YouLend partnership scaled to 7 European markets (UK, Ireland, Germany, Netherlands, Belgium, Spain, Poland), surpassing €150M in total financing disbursed to 13,500+ restaurants.· lending
The stack
6 layers disclosed in Just Eat Takeaway’s embedded-finance stack
Payments / PSP
Adyen
Banking / BaaS
in the full report
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
FX & payouts
in the full report
Accounting gap: none
7 more providers across 5 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.