← Embedded Finance Index 2026

Mypos

“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?”

Founded2014
HQLondon, UK (with operations across Europe)
IndustryFintech / SMB banking
The story

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.

Last 12 months
2024-09
2025-05
Product timeline
2014
myPOS launched as a European fintech providing card payment acceptance and instant settlement for SMEs.· pivot
2018
myPOS partnered with Adyen N.V. to embed enterprise-grade payment infrastructure across its platform.· banking
2023
myPOS expanded its API suite including PSD2 AIS/PIS endpoints, Banking API, and Checkout API for developers.· banking
2024
myPOS partnered with Liberis to launch revenue-based business financing across 10 European countries, beginning with the UK.· lending
2025
myPOS partnered with YouLend to extend revenue-based financing to merchants in France.· lending
Regulated entities
2
regulatory licences held by Mypos
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Mypos’s embedded-finance stack
Payments / PSP
Adyen
Lending
in the full report
Accounting
in the full report
Accounting gap: minor
5 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.