“Can a European SMB payments platform — built on licensed EMI infrastructure and instant settlement — become the all-in-one financial OS for small merchants across 35+ countries?”
Founded in 2014 as a card payment acceptance platform for European SMEs, myPOS built a vertically integrated fintech stack that includes e-money accounts with IBANs, instant settlement, and a business card. Over time the company expanded beyond pure acquiring into a broader SMB financial platform — adding multi-currency accounts, card issuing, and open banking APIs. The most recent strategic thrust is embedded financing: first via Liberis (2024) and then YouLend (2025), both revenue-based financing integrations that leverage myPOS transaction data to offer working capital to merchants without requiring separate applications.
Mypos processes payments through Adyen.
Mypos's lending and capital products are provided by Liberis, YouLend and finmid.
Mypos integrates with Xero.
The Embedded Finance Index 2026 maps 3 layers in Mypos's stack: Payments / PSP (Adyen); Lending (Liberis, YouLend, finmid, myPOS Financing (revenue-based financing) and 3 others); Accounting (Xero).
Mypos is founded in 2014 and headquartered in London, UK (with operations across Europe).
Get a read on where your own stack stands against Mypos 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.