MyCashflow
A single roll-up of ownership and CLOUD Act exposure.
-
EU-Sovereign This listing EU/EEA/Switzerland-owned and -operated, with no identified CLOUD Act exposure.
-
EU-Based EU-operated, with at most minor or transient US exposure.
-
EU-Hosted EU hosting available, but a US parent or hyperscaler sub-processor creates material exposure.
-
US-Linked Operated by a US-incorporated entity, directly subject to US jurisdiction.
Finnish all-in-one e-commerce SaaS with own Helsinki hosting and 0% commission across plans.
MyCashflow is an EU-owned service hosted in Finland, with no identified CLOUD Act exposure. It is listed under E-commerce.
Assessment notes
MyCashflow (operated by Pulse247 Oy, Helsinki, founded 2007) runs on own infrastructure in Helsinki (no AWS / Azure / hyperscaler dependency disclosed) with 7,000+ live stores and €1.6B cumulative GMV; pricing starts at €49/mo (Basic) with 0% commission across plans. Signals: EU-owned ✓, EU-hosted ✓, no CLOUD Act exposure ✓. A publicly readable DPA confirms that all personal data is retained and processed in Finnish data centres, but no sub-processor list is published and the DPA still cites the invalidated Privacy Shield for non-EEA transfers.
Findings
- CLOUD Act
- CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
-
None This listing EU operator, no US parent, no US sub-processors of note.
-
Minor A transient US sub-processor (CDN, maps); data at rest stays in the EU.
-
Material US parent, or a core sub-processor is a US-owned hyperscaler.
-
Direct The operator itself is US-incorporated.
-
- Ownership
- Ownership
Where ultimate control over the operating company sits.
-
EU-owned This listing EU-incorporated and EU-controlled; no significant US ownership.
-
EU HQ, US-funded EU-headquartered but US venture- or PE-controlled.
-
EU subsidiary, US parent European operating company owned by a US parent company.
-
US-owned The operating company itself is US-headquartered.
-
Other A non-EU jurisdiction. Swiss/EEA-owned vendors count as European here; the UK and others do not.
-
- Sub-processors
- — not disclosed
Verified signals
-
EU / adequacy hosting: Yes
-
EU / adequacy operator: Yes
-
No US CLOUD Act exposure: Yes
-
Public DPA: Yes
-
Sub-processors disclosed: No
-
Open-source clients: No
-
Third-party certification: No
Jump to
About MyCashflow
MyCashflow, operated by Pulse247 Oy (Helsinki, founded 2007), is a Finnish hosted e-commerce platform powering 7,000+ online stores with €1.6B+ in cumulative processed sales. Plans run €49/mo (Basic, 200 products) to €165/mo (Pro, 20,000 products) with 0% commission on online sales across tiers. Servers are physically located in Helsinki on Pulse247-operated infrastructure, with no AWS / Azure / hyperscaler dependency disclosed publicly, which is a procurement differentiator over both Shopify (Google Cloud, US) and PlentyONE (AWS Frankfurt). Native UI is English + Finnish; storefronts handle 17 order languages. Best fit for Finnish / Nordic merchants and EU SMBs prioritising a genuine EU hosting story over Shopify's app marketplace depth.
Sub-processor map · not disclosed
Frameworks & certifications · none listed
Capability matrix
Table 1Capabilities of MyCashflow
Integration & access
Compliance & governance
Pricing & tiers
Public documents
Alternatives in this category
-
Germany · €600/moEU-HostedCLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
-
None EU operator, no US parent, no US sub-processors of note.
-
Minor A transient US sub-processor (CDN, maps); data at rest stays in the EU.
-
Material This listing US parent, or a core sub-processor is a US-owned hyperscaler.
-
Direct The operator itself is US-incorporated.
Public DPA: Yes Sub-processors: Yes Open source: Yes -
-
France · €24/moEU-HostedCLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
-
None EU operator, no US parent, no US sub-processors of note.
-
Minor A transient US sub-processor (CDN, maps); data at rest stays in the EU.
-
Material This listing US parent, or a core sub-processor is a US-owned hyperscaler.
-
Direct The operator itself is US-incorporated.
Public DPA: Yes Sub-processors: Yes Open source: Yes -
-
PolandEU-SovereignCLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
-
None This listing EU operator, no US parent, no US sub-processors of note.
-
Minor A transient US sub-processor (CDN, maps); data at rest stays in the EU.
-
Material US parent, or a core sub-processor is a US-owned hyperscaler.
-
Direct The operator itself is US-incorporated.
Public DPA: No Sub-processors: No Open source: Yes -
| Product | Sovereignty | CLOUD Act | Signals | From |
|---|---|---|---|---|
Shopware
Germany
|
EU-Hosted | CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
|
Public DPA: Yes
Sub-processors: Yes
Open source: Yes
|
€600/mo |
PrestaShop
France
|
EU-Hosted | CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
|
Public DPA: Yes
Sub-processors: Yes
Open source: Yes
|
€24/mo |
Sylius
Poland
|
EU-Sovereign | CLOUD Act exposure
How exposed customer data is to US authorities under the CLOUD Act (Clarifying Lawful Overseas Use of Data Act).
|
Public DPA: No
Sub-processors: No
Open source: Yes
|
— |