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.
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.
Emerging-markets merchant infrastructure isn't a feature list — it's a stack you can't half-build. Here's what makes youcloud defensible.
Commerce OS + Payments + Embedded Finance + AI Intelligence in one white-label platform. No emerging-markets competitor combines all four.
youcloud earns only a platform licence fee. You retain 100% of merchant revenue — subscriptions, MDR, lending interest, hardware, implementation.
Every transaction trains youInsight, youLend and youWorkflows. Merchants become harder to displace as their operational data accumulates.
A PCI DSS Level 1 certified, AI-powered, multi-channel commerce stack — deployable under your brand in weeks, not years. No rebuild.
Offline resilience, multi-currency settlement, WhatsApp-native UX, mobile-first, local regulatory awareness — designed for India, Africa, MENA, SEA.
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.
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.
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.
Each activated add-on is a fixed percentage of your aggregate annual base platform licence. Billed annually in advance; quarterly installments available on request.
Applies to all three partnership models. Full terms provided in Master Services Agreement.
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.
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.
Request the full model →youcloud's GTM rests on one principle: ICPs own the market, youcloud owns the platform. Merchants move through four stages — you monetise every one.
Zero / low-cost onboarding. ICP-led acquisition at scale. Platform embeds; data builds. ICP builds ecosystem · youcloud builds data. No subscription revenue yet.
Starter → Standard → Power tiers. Standard adds youAccounts + youHR; Power adds youMarketing + youInsight. ICP prices and bills directly. 100% of subscription revenue to ICP.
Merchants activate youMarketing, youLens, youLend, youInsight or youWorkflows. ICP retains 100% of add-on revenue. youcloud charges the ICP a fixed module fee.
Platform record volume grows. Margin expansion accrues to the ICP as the merchant network scales. Because our fee is band-based, ICP earns more per merchant as volumes grow.
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.
Give your SME book more than an account. Layer commerce, payments, and lending on top — and watch NPS, deposit stickiness and cross-sell revenue climb.
Move up-stack from processing to full commerce OS. Compete with Stripe and Adyen on capability while keeping your local acquiring licence and merchant relationships.
You already have millions of merchant subscribers. Give them commerce, payments and finance — sold on your bill, running on your mobile money.
You know the merchants. You have the distribution. What you need is a platform that lets you monetise beyond a one-time device sale.
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.
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.
Channel plays, ad creative templates, post templates, and lead-gen forms for Facebook, Instagram & WhatsApp. Ready to translate and skin.
youShop / youResto / youQR / youPay flyers, ICP brochures, product feature matrices, USD quote templates.
End-to-end curriculum covering billing, stock, KDS, loyalty, payments, wallets, and objection handling. Slide-decks + workbook + assessment.
25-minute deep-dive on qualifying multi-outlet Power-tier merchants. Discovery script + scoring rubric + closing playbook.
Severity classification, first-response scripts, escalation matrices, resolution templates by issue category.
Conversion, activation, renewal & CSAT benchmarks split by market maturity — set realistic local targets from day one.
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.
Target-segment definition, merchant-persona mapping, pricing strategy, regulatory review, and integration blueprint.
White-label branding across app, dashboard and storefront. Environment provisioning. KYC / KYB flow integration. Payment rail activation.
Sales, support and onboarding-ops training. Merchant-facing collateral. Playbooks for Freemium acquisition and Premium upsell.
Pilot cohort of first 50–200 merchants. Live QBR cadence with named CSM. Full commercial launch and territory-wide rollout.
Request the full ICP Partner Brief — includes commercial term sheet, module pricing, integration architecture, market-entry playbook and case studies from active partners.