Coders Team Inc

Y-POS is a next-generation, cloud-based Point-of-Sale platform built for small businesses in the UK and US.
We offer a fully integrated suite of services including in-person card payments (via Stripe Terminal), real-time sales analytics, inventory management, staff access control, and remote compliance tools.

Our mission is to provide underserved businesses — barbershops, local retailers, food stalls — with a modern, intuitive toolset to manage and grow their operations.
Over 800+ merchants are already using the platform, and we’re growing organically across two markets.

We currently serve over 800 active businesses, including 700+ merchants in the UK and 100+ in the US, using our modern Point of Sale solution — Y-POS. Our clients include barbershops, grocery stores, mini markets, and food vendors.

Our platform is fully integrated with Stripe, supporting payments, onboarding, compliance, and payouts through a custom-built experience. We've also developed internal fraud detection and manual review tooling for secure operations.

Our feature set includes a warehouse and inventory module, real-time analytics dashboards, and support for multi-user accounts. All growth has been 100% organic, with consistent 20% MoM increase in processing volume.

We are revenue-generating and actively expanding operations in the US market.

Our core customers are small business owners, freelancers, and micro-entrepreneurs aged 25–45, typically operating in retail, beauty, food services, and event-based sales. Many of them are solo operators or have small teams. They are based primarily in urban and suburban areas across the UK and US, with early adoption seen among immigrant and underbanked communities.

Globally, there are over 300 million small businesses, with more than 33 million in the US alone, and 5.5 million in the UK. A significant portion of them still use cash or outdated POS systems. The global POS market is projected to reach $70+ billion by 2030, growing at ~10% CAGR, with contactless and mobile-first solutions leading the trend.

Y-POS addresses the rapidly growing demand for affordable, mobile-native, no-hardware-required commerce tools in this underserved and fragmented market.

Small and micro businesses often lack access to affordable, easy-to-use, and fully integrated Point of Sale solutions. Existing systems are either too complex, too expensive, or not tailored to the needs of non-technical merchants like barbers, food vendors, and small retail owners.

There's also a major gap in access to financial infrastructure — onboarding, KYC, compliance, payments, and payouts are fragmented and poorly optimized for this segment, especially in the US and UK markets.

We see a huge opportunity to serve this overlooked market with a mobile-first, compliant, and intuitive POS platform that helps merchants accept payments instantly, manage operations, and grow — all from a single app.

We have built Y-POS, a modern Point of Sale app that enables small businesses to accept contactless payments and run their entire operation using just a smartphone.

Y-POS eliminates the need for expensive hardware or complicated integrations. Merchants can onboard in minutes, take tap-to-pay transactions via mobile devices, track inventory, monitor performance through real-time dashboards, and manage employees—all from a single, intuitive app.

This is especially valuable for microbusinesses, pop-ups, service providers, and solo entrepreneurs who want full business functionality with minimal overhead. The opportunity lies in the growing demand for mobile-first, flexible commerce tools that work wherever business happens.

We’ve already onboarded 800+ users across the UK and US, with 20% MoM growth and zero paid marketing to date.

Our main competitors include Square (Block), SumUp, and Zettle by PayPal. These companies dominate the traditional POS hardware market, offering bundled card readers and software for small merchants. However, their solutions often require dedicated hardware and involve longer setup times or higher fees for new users.

Y-POS differentiates by offering a mobile-first, hardware-free experience — allowing users to start accepting payments using just their smartphone. This is especially attractive for freelancers, micro-businesses, and merchants in emerging markets or mobile-dominant economies.

Indirect alternatives include cash, peer-to-peer payment apps like Venmo or Cash App (in the US), and manual bank transfers — all of which lack the business features and automation that Y-POS provides.

Our lightweight infrastructure and frictionless onboarding give us a unique edge in underserved and fast-growing markets.

Y-POS offers a unique combination of speed, accessibility, and simplicity:

Hardware-free onboarding — merchants can start accepting payments instantly with just a smartphone, no terminals required.

Custom-built fraud detection and compliance layer tightly integrated into our POS platform, offering a higher level of protection for both users and platform integrity.

Built-in warehouse management and analytics dashboards — uncommon in lightweight POS solutions, but crucial for business operations and visibility.

Deep Stripe integration with custom logic for onboarding, verification, and transaction monitoring, giving us flexibility and operational speed that most competitors lack.

Optimized for low-infrastructure environments, enabling us to scale faster in emerging markets.

Our mobile-first architecture and organic community-driven growth are hard to replicate by incumbents focused on hardware bundles and legacy merchant onboarding.

Our primary revenue streams come from transaction fees and monthly subscription plans. We charge a commission on each successful payment processed through our platform (typically 1.5–2.5%), and offer premium features via a subscription model starting at $9.90/month.

We expect to onboard thousands of merchants in the next 5 years across the UK and US, with projected annual GMV (gross merchandise volume) growth of 50–70% YoY, targeting $50M+ GMV by Year 5.

Our cost structure includes Stripe fees, customer support, compliance (including Onfido/KYC), infrastructure (cloud services, databases, storage), and marketing. As our user base grows, we expect unit economics to improve significantly due to operational leverage and automation.

Our business model is SaaS + transaction-based. We offer small businesses and independent sellers a powerful Point of Sale system that runs entirely from a smartphone or tablet. Users can sign up instantly, pass KYC, and start accepting contactless payments within minutes.

Channels:
We acquire customers through organic search (SEO), social media, referrals, and partnerships with hardware providers. Our growth has been 100% organic to date.

Key metrics:

800+ active users across the UK and US

20% MoM transaction volume growth

100% KYC verified base

Churn below 4% monthly

Average GMV per merchant growing steadily

We focus on reducing onboarding friction and offering a full stack experience — payments, inventory, analytics — inside one mobile-native platform.

We’re raising £250,000 to scale responsibly and take advantage
of the current market momentum.
Funds will be allocated across four strategic areas:
A. 40% Product Development: to enhance our mobile
experience, add CRM features, and improve scalability.
B. 40% Marketing and Customer Acquisition: to grow
our user base in the UK and expand our test efforts in
the US.
A
40%
C. 10% Infrastructure and Operations: to support
backend reliability, payments, and compliance
workflows.
D. 10% Strategic Expansion & Partnerships: to pursue
key integrations and growth initiatives aligned with SPI
licensing.

We are currently seeking a pre-seed investment of $250,000 in exchange for 15% equity. This offer is based on our current traction, user growth, and roadmap to scale across the US and EU. We are also open to discussing alternative deal structures during negotiation.

Our key risks include:

Regulatory risk: As a financial infrastructure provider, we're subject to strict KYC/AML and payment regulations. Changes in compliance requirements or regulator scrutiny (especially in new markets like the US) could delay onboarding or increase operational costs.

Fraud and abuse: We onboard merchants quickly through a mobile interface. If our internal fraud detection or verification process fails to catch bad actors, it could impact reputation or result in losses.

Market saturation and competition: Larger incumbents with more capital may copy our mobile-first strategy or undercut on price, especially in the SMB sector.

Technological dependency: As we rely on third-party payment infrastructure (Stripe, card networks), changes in policies or outages could disrupt our service.

Macroeconomic shocks: Consumer spending downturns or crisis events (e.g., inflation, bank instability) may slow down merchant volume and impact revenue.

We actively mitigate these risks through strong compliance, modular architecture, and direct relationships with our users.

Not yet participated in any incubation or acceleration programs.

No