myPOS 2026: Card Terminal & Business Account for SMEs
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Mypos
Discounted terminal19Z9DL
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About this offer
myPOS is a payment solution for merchants and SMEs founded in 2014 in Bulgaria. It offers no-subscription card terminals, a multi-currency business account, and online payment solutions. More than 200,000 merchants use myPOS in Europe. A promo code gives free activation or a discounted terminal.
Use code 19Z9DL at checkout on Mypos to get Discounted terminal. This offer is verified and regularly updated.
What is myPOS?
myPOS is a Bulgarian fintech founded in 2014, specialising in payment solutions for merchants and SMEs. Its main pitch: affordable card terminals with no monthly subscription, paired with a multi-currency business account. More than 200,000 merchants across Europe use myPOS. It targets small merchants, tradespeople, service providers and online sellers. Compare with SumUp and Smile and Pay.
myPOS card terminals
myPOS offers several terminal models: myPOS Go — a portable card reader (Bluetooth, paired with your smartphone). myPOS Carbon — a standalone Android terminal with touchscreen, 4G and Wi-Fi. myPOS Glass — turns a phone into a contactless terminal. myPOS Kiosk — for self-service kiosks. Terminals accept Visa, Mastercard, American Express, Apple Pay, Google Pay and Samsung Pay.
The myPOS pricing model: no subscription
myPOS's main argument: no monthly subscription. You buy the terminal (a one-off purchase) and pay only per transaction: about 1.75% per card transaction. Compared with traditional banks that charge a monthly subscription + a percentage, myPOS is often cheaper for small, low-volume merchants. For high volumes (>€10,000/month), a bank subscription may become cheaper — calculate your break-even.
The myPOS business account
myPOS includes a business account (European IBAN) with: access to funds within 1 business day (fast vs classic acquirers, which can take 2-5 days), a myPOS debit card to withdraw or pay, SEPA transfers, and multi-currency management (30+ currencies). This account is included in the offering — no separate account fees.
myPOS for e-commerce
myPOS offers an online payment solution: an integration API for e-commerce sites, a customisable payment button, and payment links (myPOS Pay) sendable by email or SMS. myPOS Pay is especially useful for tradespeople and service providers who invoice remotely (plumber, coach, consultant) without an e-commerce site.
myPOS vs SumUp
Both are solutions for small merchants: myPOS — terminal + business account, ~1.75% per transaction, online payments included, more terminal models. SumUp — terminal + account, ~1.69% per transaction (slightly lower), fewer models but very simple. Verdict: both are excellent for small merchants. SumUp is slightly cheaper per transaction; myPOS offers more terminal models and a more complete e-commerce solution. Compare costs by your monthly volume.
Security and POS features
myPOS terminals are PCI DSS-certified — the mandatory security standard for card payments. myPOS is regulated by the Bulgarian National Bank as a payment institution. Transactions are secured (encryption, tokenisation), with no card data stored on the terminal. myPOS also offers point-of-sale (POS) features: a programmable product catalogue, basic stock management, electronic receipts (email/SMS) and sales reports by period — making myPOS Carbon a genuine portable till, not just a card reader.
Who is myPOS for, and our verdict
myPOS suits especially: mobile tradespeople (plumbers, electricians, home hairdressers), market traders (local markets, food trucks), small shops (boutiques, kiosks), restaurants and cafés (myPOS Carbon for tables). It is less suited to very high volumes (>€50,000/month), where a bank acquiring contract becomes competitive. Activation with a promo code is done when ordering the terminal on mypos.com.
Our verdict: myPOS is an excellent payment solution for small European merchants. Strengths: no subscription, affordable terminals, an included business account, fast access to funds (next day), online payments. Weaknesses: less known than SumUp in some markets, 1.75% slightly above SumUp (1.69%). Ideal for mobile tradespeople, market traders and small shops who want to avoid a bank subscription.
Frequently asked questions
Does myPOS have a monthly subscription?
No, that is the main advantage. You buy the terminal (once) and pay only 1.75% per transaction. No fixed monthly subscription.
How much does a myPOS terminal cost?
The myPOS Go (entry-level, Bluetooth) costs around €29-49. The myPOS Carbon (standalone, 4G) around €99-149. Check current prices on mypos.com.
Does myPOS accept Apple Pay and Google Pay?
Yes, all myPOS terminals accept Apple Pay, Google Pay, Samsung Pay and contactless Visa/Mastercard cards.
When do I receive the money from sales with myPOS?
Funds arrive in your myPOS account within 1 business day — faster than traditional banks (2-5 days). You can then transfer to your main bank.
Is myPOS secure?
Yes, PCI DSS-certified and regulated by the Bulgarian National Bank. Card data is not stored on the terminal.
myPOS or SumUp: which to choose?
Both are excellent. SumUp is slightly cheaper (1.69% vs 1.75%) and very simple. myPOS offers more terminal models and a more complete e-commerce solution. Compare by your volume and needs.
Does myPOS allow online payments?
Yes, via payment links (myPOS Pay) or an e-commerce API. Useful for tradespeople and providers who invoice remotely.
How do I use a myPOS promo code?
Enter the code when ordering on mypos.com. It can give a discount on the terminal, reduced transaction fees or free account activation.