Why — Independence
Independent by design. Aligned with your interests. Never your competitor.
As the SoftPOS market consolidates into scheme-owned, acquirer-captive and OEM-bundled alternatives, the number of genuinely independent vendors shrinks. No card scheme, acquiring group or hardware vendor controls Mypinpad. Mypinpad Ltd is wholly owned by Licentia Group Ltd, and the people with significant control of both companies are on the public register: Mypinpad Ltd and Licentia Group Ltd.
Control here means what Companies House records: more than 25% of shares or votes, or the right to appoint the board.
A platform that never competes with its customers
Independent by design. Not by accident.
When SoftPOS capability is absorbed into acquirer groups, scheme programmes, and hardware OEMs — whose interests does your platform serve?
The question is structural rather than technical. A vendor owned by an acquirer group generates merchant data for that group. Scheme ownership brings a commercial preference for scheme adoption; OEM ownership brings a margin interest in terminal sales.
Unlike scheme-owned solutions
Not scheme-controlled
Multi-scheme strategy becomes a mono-scheme agenda. Kernel access could be tied to processing volumes or scheme participation.
Mypinpad is not controlled by a card scheme. Your multi-scheme strategy stays yours: thirteen schemes in production, and which of them you offer is your commercial decision.
Unlike acquirer-owned and vertically integrated vendors
Not controlled by a competitor
Your technology partner is also competing for your merchants. Where one group owns acquiring, processing and acceptance, every merchant you onboard is a prospect they already have a route to. Recent mega-mergers have made that the normal shape of the market.
Mypinpad never competes for your merchants. We have no acquiring arm and no merchant portfolio, so our interests stay aligned with yours.
Unlike hardware OEM vendors
Not OEM-controlled
Hardware vendors have hardware revenue to protect. Every SoftPOS deployment their platform enables is a terminal sale they did not make.
Mypinpad has no hardware agenda. We optimise for software performance on any device: phones, tablets, PTS terminals, purpose-built hardware.
The evidence for independence
Six facts about how the business is built. Each is verifiable.
No scheme control
No card scheme controls Mypinpad. Your multi-scheme strategy stays yours, because no kernel we ship depends on a scheme relationship we hold.
No acquirer control
No acquiring group controls Mypinpad. We never compete for your merchants, because we have none of our own to grow.
No OEM control
There is no hardware estate here and no terminal margin to defend. We optimise for software performance on whatever device you deploy on; nothing pulls the other way.
White-label by design
Every deployment runs under the customer's brand. Mypinpad is invisible to the merchant. The brand equity you build stays yours.
Multi-scheme — 13 schemes, 8 in-house kernels
Visa, Mastercard, American Express, JCB, Discover, Diners Club, UnionPay, eftpos, Interac, RuPay, Elo, BankAxept and Dankort. Which of them you offer is your commercial decision, not ours.
28 countries — no exclusivity
Deployed across 28 countries. No geographic exclusivity, no territory lock-in. Customers expand where their business takes them.
Independence compounds over time
In a fragmented market, independence is useful. In a consolidating market, it becomes decisive.
As the number of independent SoftPOS vendors contracts, those that remain carry increasing strategic value. Customers who have built on Mypinpad own their technology relationship outright — they are not exposed to the commercial consequences of a future acquisition, merger, or scheme-programme withdrawal.
Mypinpad never competes with its customers. Mypinpad has no acquiring arm, no merchant portfolio and no terminal margin, so there is no revenue line that a customer's growth threatens. The alignment is built into the business model rather than written into a contract.
See the difference independence makes
Talk to our team about why Mypinpad is the platform partner that never competes with you.