“Can a hospitality-focused ordering and payments platform become the embedded financial infrastructure OS for businesses with physical locations?”
Founded in 2018 by a group of high school students inspired by school canteen payment frustrations, KodyPay launched as an aggregated ordering and payments system for restaurants, cafes and takeaways. It formally partnered with Adyen in late 2022 to embed enterprise-grade financial technology — including seamless payments and frictionless finance — into its hospitality-focused platform. By 2023 the company had rebranded its positioning toward an 'AI-native Agentic Commerce Platform' targeting larger businesses with physical locations, having raised over $38M and expanding operations across 7 countries.
Kodypay processes payments through Adyen.
Kodypay's lending and capital products are provided by Adyen.
The Embedded Finance Index 2026 maps 2 layers in Kodypay's stack: Payments / PSP (Adyen); Lending (Adyen and Embedded finance for hospitality businesses (via Adyen)).
Kodypay was founded by Yoyo Chang (Yao-Yun Chang) and is founded in 2018, headquartered in London, United Kingdom.
Kodypay has raised $38.2M in total (latest round: Series A).
Get a read on where your own stack stands against Kodypay 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.