The gap between wanting to accept card payments and actually accepting card payments has historically been significant for small businesses — application processes that take weeks, terminal rentals that assume long-term commitments, and pricing structures that punish low-volume merchants. myPOS was founded in London in 2014 with a different model: instant merchant accounts, immediate access to funds, and card terminals that merchants own outright rather than rent. Its instant settlement feature — making sales proceeds available immediately rather than the next business day — addressed a genuine pain point for businesses that need cash flow flexibility. myPOS has expanded across Europe, building a merchant base of small businesses, sole traders, and market vendors in over 30 countries. The combination of owned hardware, instant settlement, and multi-currency account capability in a single platform positioned it as a genuinely practical solution for the micro-merchant segment that larger acquirers serve poorly. In the crowded European mPOS market, myPOS differentiated not through technology sophistication but through a commercial model that aligned its interests with the smallest merchants — a segment large in number, underserved in product, and loyal when someone actually gets the experience right.