youcloud
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Shoppers paying at the counter of a youcloud-powered grocery store

Run your business.
All from One Place

Youcloud provides a single platform with connected clouds — Commerce, Payments, Marketing, Service & Operations and Analytics — all feeding into embedded finance — for retail shops, restaurants, and QR-first merchants. One kit. One app. Live in your business in under an hour.

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PLATFORM · UNIFIED BUSINESS OPS

One platform for
every merchant need.

For Enterprise buyers the same platform is presented in unified-commerce terms — a set of connected clouds — with payments and embedded finance built in rather than integrated.

Merchant need
youcloud platform layer
What it does
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FOUR PRODUCTS · SMB & ENTERPRISE

Pick the products that fit how
your business actually runs.

Every product is built on youPay — one payment engine, one settlement, one ledger. Every product stacks four layers: Commerce · Payments · Embedded Finance · AI — all wired together so insights, money and stock move as one. Whether you're a starter, standard or power merchant, you get the same architecture. The modules grow; the platform doesn't change.

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↗
MEET THE MERCHANTS

Shops, kitchens & counters
across nine markets.

Real merchants. Real stories. From the corner shop that finally stopped losing stock, to the six-outlet dhaba group that runs on one KDS.

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TRUSTED INFRASTRUCTURE

Trusted Infrastructure for
Banks, PSPs, ISOs and Telcos

One EMVCo QR. Every in-country wallet, every bank app. A 105dB audio confirmation the moment the money lands - so you never chase a customer to check

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ENTERPRISE · PROCUREMENT-READY

9 outlets or 900.
Same platform.

youShop Enterprise, youResto Enterprise, and youPay Enterprise — every module, every channel, no tiers.

youcloud enterprise topology
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WHY MERCHANTS PICK YOUCLOUD

Less stack. less friction.
more selling.

You didn't start a business to stitch six vendors together. One integration replaces the cash register, the stock book, the loyalty stamps, the terminal, the settlement spreadsheet, and the reconciliation headaches.

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INTELLIGENT ADD-ONS · POWERED BY AI

Five add-ons. One data layer.
zero re-integration.

Every add-on plugs into the same merchant data your POS, KDS, and QR checkout are already producing. Turn one on this month, another next quarter. No new integrations, no re-plumbing, no additional PSP contracts.

Working capital · pre-approved SPOTLIGHT
youLend

Every card sale, every QR scan, every SoundBox confirmation adds to your merchant credit profile. When you need working capital, the loan is already sized, priced and pre-approved — right there in your dashboard.

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Merchant receiving a youLend loan
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LIVE · 9+ MARKETS

Built where merchants
actually live.

MENA, South Asia, Africa and APAC. Local wallets, local schemes, local settlement rails — pre-integrated. 10,000+ merchants doing live transactions, acquired over 3+ years across every profile — from single-till micro shops to 100-outlet cooperatives.

youcloud live markets
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IN SHOPS, KITCHENS & ON TABLES

Merchants who stopped
stitching things together.

”

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IN SHOPS, KITCHENS & ON TABLES

Live in your business
in under an hour.

Buy the kit that fits. Open the app. Start selling today. $0 to start. Grow into paid tiers when you're ready.

youcloud
youcloud POS box
What's in the box ≡
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Five add-ons.
One data layer.
Zero re-integration.

Every add-on plugs into the same merchant data your POS, KDS, QR checkout and SoundBox are already producing. Turn one on this month, another next quarter. No new integrations, no re-plumbing, no additional PSP contracts.

youLend add-on cards
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ONE DATA LAYER · EVERY PRODUCT

Same data.
Five different intelligences.

The add-ons don't sit on top of your business — they sit inside it. Every sale, every scan, every camera frame, every payment event flows into one merchant data layer. Turn on an add-on, and it's already trained.

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UNIFIED MERCHANT DATA LAYER
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TURN ONE ON THIS MONTH

Every add-on is optional.
Every add-on shares data.

Start with what your business needs today — capital, marketing, insight, cameras, or automation. Add the others when you're ready. No re-integration, no data pipes, no additional contracts.

youcloud
youcloud POS box
What's included at launch ≡
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youcloud in market
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HARDWARE FLEET · ONE-TIME

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SOFTWARE TIERS · CUMULATIVE PRICING

Start free.
Grow with you.

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Add-ons available on every tier

BOLT ON ANY CAPABILITY — SOLD SEPARATELY, NO RE-INTEGRATION.

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youcloud
youcloud POS box
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One QR code.
A whole self-service store.

Kiosk, table QR, online, social, and aggregators — every order flows to one kitchen and one payment layer. Staff run food, not tickets. Guests order themselves, pay themselves, and walk away with points in under 60 seconds.

youQR in market
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WHAT youResto DOES FOR YOU

Sell from day one.
No app. No new device.

Stick a QR on every table, counter, or shelf. Your customer scans, browses your live menu, and pays — without downloading anything or creating an account.

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HARDWARE FLEET · ONE-TIME

Five steps. One tap.
Under 60 seconds.

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SOFTWARE TIERS · CUMULATIVE PRICING

Every employee runs food,
not tickets.
Every order lands in one kitchen.

The old model: one staff member locked to a counter, one queue at the till, one commission per aggregator, one loyalty card at the door.

The youQR model: guests order themselves — from a kiosk, from the table, from your website, from Instagram, or via an aggregator — and every ticket lands on the same KDS. Your team is multidimensional, guests skip the wait, and you keep every dollar.

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One KDS / KP
Every order.
One kitchen.
Course firing · prep timers · 86-sync · expo view
Every ticket collects payment via
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★
Every guest earns loyalty · every channel
Points, tiers, streaks, birthday drops — one profile, no card at the door.
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PRICING · PAY ONLY WHEN YOU SELL

Free to start.
Pay only when you sell.

No monthly subscription on Freemium, Starter or Standard. No setup fee. Three simple charges — that's it. Tiers unlock automatically as your business grows.

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Software tiers.

Freemium, Starter and Standard are all $0/month — you only pay the transaction fees above. Power adds unlimited capacity and white-label branding for a flat monthly fee.

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Add-ons available on every tier

BOLT ON ANY CAPABILITY — SOLD SEPARATELY, NO RE-INTEGRATION.

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FREE TO START · PAY ONLY WHEN YOU SELL

Stick a QR on every table.
Start selling today.

$0 to start. $0.10 flat fee per order. Custom domain, white-label, and Stored Value included from day one.

youcloud
youcloud POS box
youQR Freemium ≡
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Accept payments
across every channel.

In-store, online, on your website, via WhatsApp, through a QR sticker, or at a self-service kiosk. Every scheme, every wallet, every rail — one gateway, one dashboard, one settlement. PCI Level 1 from day one.

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youPay · SOUNDBOX Y10D

Paid. in under three seconds.

One EMVCo QR. Every in-country wallet, every bank app. 105dB audio confirmation the moment the money lands — so you never chase a customer to check.

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youcloud SoundBox y10D and phone
WHAT youPay DOES FOR YOU

Accept every payment,
everywhere our customer is.

Card-present at the counter, card-not-present on your website, a Pay-by-Link on WhatsApp, or a QR sticker on the table. One gateway. One dashboard. One settlement.

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accepted schemes
supported wallets and payment methods {{ rc }}

Every scheme, every market

GLOBAL + DOMESTIC CARD SCHEMES, WALLETS AND QR RAILS — PRE-INTEGRATED ACROSS 9+ MARKETS

Visa, Mastercard, Amex, UnionPay, Discover, Apple Pay, Google Pay, JCB, WhatsApp
Domestic QR Local wallets
WHAT youPay DOES FOR YOU

Six things you
don't have to build.

Every part of the payment stack — gateway, fraud, routing, settlement, disputes, reconciliation — pre-built. One integration.

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PRICING · PAY ONLY WHEN YOU SELL

One platform.
Three deployments.

Freemium is $0 forever with QR + wallet acceptance. Add cards when you're ready. One merchant ID, one dashboard, one settlement.

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Software tiers.

Cumulative — each tier includes everything below it. Power+ is a custom enterprise plan above Power.

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$
MDR rates · disclosed up front, debited at settlement

MDR rates vary by country, scheme, and card type — full rate card disclosed before activation. Debited per transaction at settlement. No setup fees. No long contracts.

PRICE ON REQUEST — VARIES BY MARKET & VOLUME.

Add-ons available on every tier

BOLT ON ANY CAPABILITY — SOLD SEPARATELY, NO RE-INTEGRATION. 10% OFF ANNUAL PURCHASES.

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24HR ACTIVATION · NO SETUP FEES

Start accepting payments
across every channel.

No long contracts. No integration headaches. PCI L1 from day one. MDR debited per transaction at settlement.

youcloud
youcloud POS box
What you get ≡
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One platform.
Every kind of
business.

youShop, youResto, youQR and youPay aren't just four products — they're building blocks. Combine them with the intelligent add-ons and every merchant business gets a purpose-built solution. Same platform underneath. Radically different outcomes on top.

A capability map for partners, prospective buyers and investors. Each solution below is a compositional outcome — showing how the platform assembles for a real-world business type.

youcloud product suite — all products dashboard
7 SOLUTIONS. ONE CONNECTED PLATFORM.

Pick your business.
See your stack.

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Solves
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Workflow
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Stack
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DON'T SEE YOUR USE CASE?

Every business has a solution somewhere in the platform.

These are seven starting points. Same building blocks: youShop, youResto, youQR, youPay and the add-ons. Tell us how your business runs — we'll show you the assembly.

youcloud
youcloud POS
What's included at launch ≡
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    •
PRICING · $0 TO START

Start at zero.
Pay as you grow.

Software priced per POS, per month. Payments priced per transaction. Hardware bought once, owned outright. No setup fees, no lock-in, no per-seat charges.

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SOFTWARE TIERS · PER POS · PER MONTH

Four tiers.
Each one includes the last.

Tiers are cumulative — each plan contains everything in the one before it. Move up when outlet count, user count or module needs change. Downgrade any month.

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ENTERPRISE
Custom quote

Unlimited outlets, all twelve modules, hardware fleet management, SSO, right-to-audit and a 1-hour support SLA — priced as one plan for the estate.

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PAYMENTS · PAY ONLY WHEN YOU SELL

No gateway fee.
No monthly minimum.

youPay is free to activate on every tier, including Freemium. You are charged per successful transaction only. Indicative rates — final MDR varies by market, card type and volume.

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ADD-ONS · ACTIVATE ANY MONTH

Five add-ons.
Priced per merchant.

Every add-on reads the data your POS, KDS and checkout already produce. Turn one on this month, another next quarter. 10% off on annual purchase. No re-integration, ever.

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youAccounts and youHR are included free in Standard and above. youLend is revenue-share — no monthly fee.

HARDWARE · ONE-TIME · OWNED OUTRIGHT

Buy the kit once.
No lease traps.

Every kit ships pre-configured with the app and the gateway. Open the box, log in, sell. PCI PTS 5.x SRED, EMV L1 + L2, activation in 24–48 hours.

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QUESTIONS MERCHANTS ASK FIRST

The fine print,
in plain language.

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Add-on modules

youLend, youInsight, youLens, youMarketing and youWorkflows — see what each one does before you switch it on.

Enterprise estates

Nine outlets or nine hundred — same platform, one custom plan, one settlement ledger, one support SLA.

Platform licence · partners

Banks, PSPs, telcos and distributors licence the platform per product on three daily-volume bands. You keep 100% of merchant revenue.
✦ ✦ ✦ ✦

The operating layer for
SMB merchants in
emerging markets.

We build the platform that replaces the fragmented vendor stack most merchants stitch together — one licence, four products, five intelligent add-ons, unlimited merchants.

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◈
OUR MISSION

ICP-led. Visible impact.

youcloud Paytech is a DIFC-domiciled platform company, founded in 2022, building the operating layer for SMB merchants across emerging markets. Across nine live markets we've proven one thing: one platform can replace the vendor stack most merchants stitch together.

A shop owner shouldn't need a cash register, a stock notebook, a card terminal, a QR display, a WhatsApp broadcast tool, a settlement spreadsheet and a bookkeeper. That's the problem. We're the answer.

We stay invisible. Our products are white-labelled — merchants see their bank's brand, their acquirer's brand, their partner's brand. We're the infrastructure. They get the customers.

youcloud platform — POS, payments, QR and add-ons
THE PROBLEM

Four products.
Four layers.

Every product stacks the same four layers — Payments · Commerce · Embedded Finance · AI — all wired together under one partner licence. PCI-DSS L1 · 99.999% uptime · unlimited merchants. One licence · Freemium → Starter → Standard → Power → Enterprise — everything under the partner's own brand.

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WHERE WE'RE LIVE

Built where merchants
actually live.

Nine live markets across MENA, South Asia, Africa and APAC — with local wallet integration, local settlement banks, and local compliance done. No 12-month engineering project. No lawyer. No greenfield launch.

youcloud live markets
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ILLUSTRATIVE UNIT ECONOMICS

Independent, third-party
validation.

Audited growth rankings from Deloitte, editorial recognition from TechRound — external proof of the technology and the trajectory.

Deloitte's Fast 50 is an audited, revenue-growth-based ranking — a credible external signal, not self-reported.

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THE PROBLEM

Three principles.

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DIFC · DUBAI · UAE

Want to work with us?

Merchants, banks, acquirers, ISOs, and partners across emerging markets. If you serve merchants, we should talk.

We work with
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youcloud POS
LEGAL

Terms of Use

Effective 1 January 2026 · Last updated 27 July 2026 · Youcloud Paytech DIFC, Dubai, UAE

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These terms govern access to the youcloud platform, applications, hardware and payment services. For questions, contact us on the Contact page.
LEGAL

Privacy Policy

Effective 1 January 2026 · Last updated 27 July 2026 · Youcloud Paytech DIFC, Dubai, UAE

Data Protection Officer · dpo@youcloudtech.com · +971 4 442 1782

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To exercise your data rights or ask a question, reach our Data Protection Officer above, or use the Contact page.
LEGAL

Cookie Policy

Effective 1 January 2026 · Last updated 27 July 2026 · Youcloud Paytech DIFC, Dubai, UAE

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COOKIE CATEGORIES WE USE
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Questions about cookies or tracking? Reach us via the Contact page, or see our Privacy Policy for how we handle personal data more broadly.
GET IN TOUCH

Talk to a human,
not a ticket queue.

Merchant onboarding starts within 15 minutes of sign-up. KYC verification clears within 24 hours. Enterprise sales architects respond within one business day.

Send us a message

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Thanks — we'll get back to you shortly.
SALES & PARTNERSHIPS

connect@youcloudtech.com

SUPPORT

support@youcloudtech.com

Existing merchants: reach your success manager directly on WhatsApp.

HEADQUARTERS

Youcloud Paytech DIFC
Gate Avenue, Zone D, Level 1
DIFC, Dubai, UAE

RESPONSE TIMES
  • Merchant onboarding — under 15 minutes
  • KYC verification — within 24 hours
  • Enterprise sales — within 1 business day

Run your group.
At enterprise scale.

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Twelve modules,
one platform.

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HARDWARE FLEET · ONE-TIME

One fleet.
Every touchpoint.

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ENTERPRISE INTELLIGENCE

The AI layer,
included.

Marketing, computer vision, workflow automation and lending — built on your merchant data. No re-integration, no data pipes to build.

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CERTIFICATIONS & COMPLIANCE

Procurement-ready
across your estate.

PCI DSS L1, ISO 27001, SOC 2 Type II. Live in 9+ markets across MENA, South Asia, Sub-Saharan Africa, and Asia Pacific.

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EVERYTHING INCLUDED · ONE CUSTOM PLAN

Unlimited outlets.
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One platform.

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Included in every deployment

Every channel.
Every scheme.
One platform.

youPay is a full-stack payment orchestrator — gateway, fraud engine, routing engine, settlement engine, dispute manager and reconciliation ledger — all in one cloud-native platform. One integration. Every channel. PCI Level 1 from day one.

POST /v1/payments · production 
$ curl -X POST api.youpay.io/v1/payments \
    --data '{
    "amount": 24750,
    "currency": "AED",
    "channel": "card_present",
    "outlet_id": "dxb_mall_042"
  }'
// response · 182ms
{
    "id": "pay_7a2f...",
    "status": "approved",
    "route": "visa · issuer_1",
    "fraud_score": 0.02,
    "latency_ms": 182,
    "settlement": "T+0"
  }'
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SIX CHANNELS · ONE ENGINE

CP, CNP, Wallet, QR,
Pay-by-Link & SVA.

Every enterprise acceptance channel through one fraud layer, one routing brain, one settlement engine, one reconciliation ledger. Add channels; don't add integrations.

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ONE INTEGRATION.

One integration.
Six engines behind it.

Add a REST endpoint to your merchant. Everything below is our problem: gateway, fraud, routing, disputes, settlement, reconciliation. You get one dashboard.

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ENGINES · UNDER THE HOOD

CP, CNP, Wallet, QR,
Pay-by-Link & SVA.

Every enterprise acceptance channel through one fraud layer, one routing brain, one settlement engine, one reconciliation ledger. Add channels; don't add integrations.

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CERTIFICATIONS & COMPLIANCE

Enterprise-grade,
audited annually.

Everything an enterprise procurement team asks for — from acquiring compliance to data residency to right-to-audit clauses.

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TURN ONE ON THIS MONTH

One integration. Every channel. One dashboard.

Book a technical demo with our solution architects. We'll walk through architecture, SLAs, commercials, and market coverage.

What a demo covers

You own the market.
We own the platform.

We do not sell to merchants directly. We build and operate the full technology stack that lets banks, PSPs, acquirers, telcos and distributors launch, scale and monetise merchant ecosystems under their own brand. Your logo on the app. Your rails on the settlement. Your support on the phone.

Institutional Country Partner model · Zero channel conflict

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youcloud
youShop
youPay
youQR
youResto
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THE PROBLEM

Merchants use six tools.
None talk to each other.

Your merchants are stitching together a cash register, a stock notebook, a card terminal, a WhatsApp broadcast tool, a loyalty stamp card and a settlement spreadsheet. They churn easily. ARPU stagnates. Competitors displace them.

You have the merchant relationship. What you need is the platform.

Merchant using six disconnected tools
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WHY PARTNERS CHOOSE YOUCLOUD

The structural moat.
Five reasons no one else can copy.

Emerging-markets merchant infrastructure isn't a feature list — it's a stack you can't half-build. Here's what makes youcloud defensible.

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COMMERCIAL MODEL

You keep the merchant.
You keep the revenue.

youcloud is a platform-fee business. We charge a fixed annual licence fee and per-module fees — never a share of your merchant revenue. Every dollar the merchant pays flows to you.

100%

You keep every dollar
the merchant pays.

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WHAT YOUCLOUD CHARGES
Fixed platform & module fees only
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Three partnership models.
Same platform.

Choose how you want to go to market — resale under our brand, skinned under yours, or fully API-built into your own frontend. Base licence fee scales with the model.

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PLATFORM LICENCE · VOLUME BANDS

Platform licence · per product
· three volume bands.

Each product is priced & banded independently on its own daily Platform Record volume. Activate one, two or all — each carries its own annual licence. Fees shown for the selected model.

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Add-on module fees

Each activated add-on is a fixed percentage of your aggregate annual base platform licence. Billed annually in advance; quarterly installments available on request.

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Standing commercial terms

Applies to all three partnership models. Full terms provided in Master Services Agreement.

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ILLUSTRATIVE UNIT ECONOMICS

Your ARPU grows.
Your platform cost doesn't.

Estimated total revenue per merchant, per month, across the four tiers — SaaS subscription plus MDR, add-ons and lending. Because our fee is fixed, every dollar of ARPU growth accrues to your margin.

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Illustrative annualised revenue · 10,000 merchant network
$3.0M

Based on a modeled mix of Freemium / Starter / Standard / Power distribution and add-on activation rates typical of a maturing emerging-markets deployment. Actual outcomes depend on ICP go-to-market execution.

The ratio of merchant revenue to platform cost widens as your network scales — because our licence fee is band-based, not per-merchant. That's the compounding margin advantage of the ICP model.

GO-TO-MARKET MODEL

Four stages.
One growth flywheel.

youcloud's GTM rests on one principle: ICPs own the market, youcloud owns the platform. Merchants move through four stages — you monetise every one.

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PARTNER TYPES · WHAT YOU UNLOCK

Built for how your business
already works.

Whether you're a bank with an SME book, a PSP with an acquiring licence, a telco with a subscriber base, or a distributor with a merchant network — the platform slots into what you already own.

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OUT-OF-THE-BOX · INCLUDED WITH EVERY MODEL

Every module included
in the platform.

No separate CRM licence. No third-party ticketing subscription. No custom-built onboarding tracker. Your Partner Business Management Module runs the entire merchant lifecycle — from lead to happy customer — shipped with your ICP deployment, configured to your brand and your market.

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GLOBAL BEST-PRACTICE CONTENT · LOCALIZE & REUSE

Not just software.
The playbook to run it.

Global best practices distilled from every live market. Content assets designed for localization — swap language, currency, images and go. Every playbook is refreshed quarterly as new markets go live.

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✓All modules + all content assets shipped at signature.

No line-item fees. No add-on charges. No third-party contracts to negotiate. Configured, localized and delivered as part of your ICP deployment.

ONBOARDING & ENABLEMENT

From signature to first merchant.
In 90 days.

A first-90-days roadmap is delivered at kickoff. You get an implementation squad, a named Partner Success Manager (Growth+), and a launch plan tied to your target segment.

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TURN ONE ON THIS MONTH

Ready to launch
under your brand?

Request the full ICP Partner Brief — includes commercial term sheet, module pricing, integration architecture, market-entry playbook and case studies from active partners.

What you get in the brief
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youcloud

The operating layer for SMB and enterprise merchants. One licence, four products, unlimited merchants — live in 9+ markets.

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© 2026 youcloud Paytech • DIFC Dubai • All rights reserved.

Book Your
Demo

Book a demo

We'll call within 1 business day to schedule.

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Thanks — our solutions team will call within 1 business day.
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✕ Support assistant