YouCloud Pay is a B2B fintech company based in Dubai that extends payment, commerce and analytics platforms to the SMB market in a SaaS model. The solution includes payment gateway, point of sale (POS) hardware, business management and analytics software. This is an all-in-one solution for retailers and restaurant owners with inventory management, payment acceptance, easy bookkeeping, promotions, loyalty and built in marketing module. Similarly for suppliers the YouCloud B2B portal is of great value as it automates the consumption pattern of retailers and allows them to extend qualified credit. YouCloud aims at building a network of like-minded merchants and creating an ecosystem of retailers with consumers and suppliers. Our core services are: merchant aggregation, payment aggregation, VAS aggregation and credit scoring. Our overall objective is towards digital economy.

1. Small and medium-sized businesses (SMBs) are a vital part
of any country's economy, and their growth is crucial to
overall economic development. As the world becomes more
digital, it is increasingly important to bring SMBs into the
digital revolution.
YouCloud has positioned its solution to cater to three
categories of retail merchants: small, medium, and large.
Small retail merchants typically operate as proprietorships,
with a workforce of 2 to 3 employees. Proprietor plays an
active role in daily business operations. To help these
merchants, YouCloud offers solutions for inventory
management, product management, consumer credit
provision, digital payment acceptance, and daily
bookkeeping with tax reporting.
Medium retail merchants are more established businesses,
with 2-5 owned stores and a workforce of 5-10 people at each
store. These merchants have larger turnovers and want to
grow their business further. To achieve this, they require
eCommerce marketplace to reach a larger customer base, as
well as tools to send promotions through social media.
YouCloud’s Web Shop and Social Shop modules enable
medium retail merchants to connect with their customers and
increase their customer base.
Large retail merchants are those who own a chain of shops
and require centralized inventory management, sales
monitoring, warehouse operations management, and
accounting services. With YouCloud’s Accounting modules,
merchants can maintain ledgers, and trial balances, and
generate P&L reports and tax due for each shop or
consolidated reports for their business. Large retail
merchants can also expand their digital presence with Web
Shop and Social Shop.
By offering solutions for each market segment, YouCloud
ensures that businesses of all sizes can benefit from its
platform.
Digitizing
Small & Midsize Business
Payment Commerce Analytics
• • .
At YouCloud, we are dedicated to building an SME ecosystem
that empowers small and medium-sized businesses with the
resources they require to grow and thrive. Our goal is to foster a
network of merchants, wholesalers, and suppliers who share a
common goal. To achieve this, we collaborate with banks, lending
companies, financial institutions, telecom companies, tax
authorities, and governments. This approach enables us to
provide a comprehensive solution that benefits all stakeholders
in the payments and retail ecosystem.
The SME
Ecosystem
Talk to our Sales team
Find out which products fit your business.
+971-4-442-1782
connect@youcloudpay.com
Estimates suggest that 4.4 billion
globalconsumers will shop with a digital
wallet by2023, accounting for 52% of all
e-commerce payments globally
52%
Nearly 60% of the businesses said they’re
only accepting digital payments, or plan
to accept only such payment within the
next two years.
60%
Suppliers
80% of organizations reported that the
responsiveness of their supply chain and
operations is their biggest priority inthe
coming years.
Prioritized
on Supply Chain
80%
The government also made it easier to
pay taxes by introducing measures such
as an electronic tax filling system which
has highly helped merchants to easily file
their taxes
Governments
Payments providers can support
MNO’s with proof of payments for
issuance and network capabilities for
remittances, person-to-person (P2P),
and person-to-merchant (P2M)
payments, and digital wallets
Mobile Network
Operations (MNO’s)
These institutions and companies have
come to support and empower SMB’s
financially to start and grow their
businesses. Merchants reported to
highly benefited.
Banks, Financial
& Leading Companies
Customer Digital
Payments
Merchants Accept Digital
Payments
At YouCloud, our mission
is to empower small and
medium-sized
businesses with our
innovative product
offerings - YouShop and
YouResto.
These all-integrated POS solutions are designed to
streamline operations, digitize businesses, and keep
merchants at the forefront of their industry. With
real-time reports retailers can make informed
decisions about product stocks, promotions, cash
flow, and customer service to help them grow faster
Merchants
YouShop and YouResto are
designed to enhance
customers' overall
experiences as they make
transactions both online and
offline at any merchant or
restaurant. By enrolling in
loyalty programs,
Customers
customers can earn points for repeat business and
redeem them for discounts, free products, or
exclusive offers. This incentivizes them to continue
shopping with their preferred merchants. Once a
customer is registered at any YouCloud merchant,
they can receive real-time notifications and alerts
about the latest news, offers, and promotions from
their favorite stores and restaurants.
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Copyright © 2023 YouCloud.
All rights reserved. Strictly Private & Confidential.

2. YouCloud partners with banks to expand their merchant
base by onboarding merchants on behalf of banks.
By utilizing YouVAS, a product offered by YouCloud, banks
can strengthen their relationships with SMB clients by
providing them with value-added services such as agency
Banking, working capital loans, and other financial products
that support SMB growth and expansion.
YouVAS allows banks to offer solutions to the merchant for
digital payment acceptance(credit/debit cards, wallets, B2B
transfers) in addition to cash.
about their offerings. The module empowers suppliers to
provide credit options to merchants for their orders,
creating a mutually beneficial partnership.
By partnering with suppliers and
wholesalers, YouCloud aims to
improve the operation efficiency
in the retail supply chain and
leverage the same to establish a
strong network of merchants,
suppliers, and wholesalers.
The supplier portal enables
suppliers to promote their latest
products and services, keeping
merchants up-to-date
Suppliers &
wholesalers
In addition, banks can offer, the YouShop/YouResto, B2B portal to
their merchant base to increase merchant stickiness with them. It
also increases the bank's revenue streams such as float deposits,
microloans based on qualified data points, etc.
Partnering with YouCloud can provide lending and microfinancing
firms with access to a substantial merchant base and accurate
merchant scoring, enabling them to secure their lending and grow
their business. In addition, YouCloud KYC system ensures the
legitimacy of merchants, providing added security for all
transactions. Lending companies can quickly evaluate loan
applications and qualify merchants for loans based on their
creditworthiness, saving time and effort.
Auto settlement systems can also help lending companies manage
their loan portfolios more efficiently by automatically deducting
monthly repayments from merchants' accounts, reducing the risk of
missed or late payments.
Micro-Financers &
Lending Companies
YouCloud partners with to expand their merchant base by
onboarding merchants on behalf of MNOs or working in tandem
with the internal sales team. By utilizing YouVAS, MNOs can
strengthen their relationships with SMB clients by providing them
with value-added services such as reselling mobile recharge, bill
payment, cash-out points, micro-credit, my shop, etc.
Mobile Network
Operators (MNOs)
Digital payment systems ensure that the government collects
the right amount of taxes fairly. The system helps to eliminate
any fraudulent activities in the collection of taxes, which
increases trust between the government and merchants.
YouCloud can help governments achieve their digitization
goals and improve their financial management processes. By
encouraging digital transactions, keeping digital records, and
improving productivity, the government can move towards a
more efficient and effective economy, reducing the risk of
errors and fraud.
Governments
Banks
Talk to our Sales team
Find out which products fit your business.
+971-4-442-1782
connect@youcloudpay.com
Copyright © 2023 YouCloud.
All rights reserved. Strictly Private & Confidential.
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