# myPOS **Type:** [[Acquiring]] · [[Business Account]] · [[Issuing]] **Archetype:** [[eu-sme-fintech-market-map|Integrated SME Finance]] **HQ:** Varna, Bulgaria · London, UK **EU licence:** myPOS Europe Ltd — FCA (UK) + EU passporting via Bulgarian FSB **Founded:** 2014 **Target:** Small businesses, sole traders, markets, hospitality; businesses needing account + POS in one --- myPOS is a tightly integrated combination of card terminal, online payment, and business account — closer to an all-in-one financial toolkit for small businesses than a pure acquiring product. What distinguishes myPOS is that settlement goes directly into a myPOS business account (with a Visa business debit card) rather than to an external bank, creating a closed ecosystem. **Core products:** - myPOS card terminals (Go, Carbon, Glass, Combo) — in-person card acceptance - myPOS Online — online payment gateway and payment links - myPOS Business Account — settlement account with EU IBAN - myPOS Visa Business Debit Card — spend from settlement funds immediately - myPOS QR — QR code payments - myPOS Invoices — invoice creation and online payment collection **Key differentiator:** Instant settlement to myPOS account (funds available within seconds after card tap) vs. traditional T+1 or next-day bank settlement. For cash-flow-sensitive micro-businesses this is material. **Connected:** [[Acquiring]] · [[Issuing]] · [[eu-sme-fintech-market-map]] · [[SumUp]] · [[Revolut Business]] · [[Visa]] · [[SEPA Credit Transfer]] *FintechGraphs · [[about|Who we are]]*