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Independently verified · Quarterly re-audit
EU VETTED

MyCashflow

VERIFIED
E-commerce · Finland
Founded 2007 · mycashflow.com ↗

Finnish all-in-one e-commerce SaaS with own Helsinki hosting and 0% commission across plans.

In short

MyCashflow, in the E-commerce category, is an EU-owned service with Finland as its hosting location and no identified CLOUD Act exposure.

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 ✓. No public DPA or sub-processors list: these must be requested via sales before promoting.

CLOUD ACT
OWNERSHIP
SUB-PROCS
— not disclosed
Verified signals
Jurisdiction
  • EU / adequacy hosting
  • EU / adequacy operator
  • No US CLOUD Act exposure
Transparency
  • Public DPA
  • Sub-processors disclosed
  • Open-source clients
  • Third-party certification
JUMP TO
OVERVIEW

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-PROCESSORS

Sub-processor map · not disclosed

Vendor does not publish a sub-processors list. Schrems II compliance and CLOUD Act exposure cannot be independently verified without it.
CERTIFICATIONS

Frameworks & certifications · none listed

We checked the vendor's website and standard certification body registries. No active certifications found at the time of last audit (2026-05-12).
FEATURES

Capability matrix

Self-hostable No
In-person / POS Yes
Multi-currency Yes
Multilingual Yes
Product variants Yes
Abandoned cart recovery Yes
INTEGRATION & ACCESS
REST API Yes
SSO (SAML / OIDC) No
COMPLIANCE & GOVERNANCE
Audit log No
Self-host / on-prem option No
PRICING

Pricing & tiers

PAID
from €49/mo
View pricing page ↗
PUBLIC DOCUMENTS

Public documents

Vendor does not publish a sub-processors list. Schrems II compliance and CLOUD Act exposure cannot be independently verified without it.
  • Data Processing Addendum (DPA)
    www.mycashflow.com/data-processing-agreement…
    Open ↗
  • Sub-processors list
    — missing
    missing
  • Terms of Service
    www.mycashflow.com/terms-and-conditions…
    Open ↗
ALTERNATIVES

Alternatives in this category

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Public DPA Sub-processors Open source
FROM
€600/mo
CLOUD ACT
MATERIAL
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PrestaShop
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French open-source e-commerce with hosted SaaS option; parent group Fortidia is an Oaktree Capital portfolio company.

Public DPA Sub-processors Open source
FROM
—
CLOUD ACT
MATERIAL
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Sylius
Poland · Founded 2011
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Polish open-source Symfony e-commerce framework (MIT); commercial Plus modules from €800/yr GMV-based.

Public DPA Sub-processors Open source
FROM
—
CLOUD ACT
NONE
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