# Kody

> Kody (formerly KodyPay) is a UK-founded, Singapore-incorporated payments and commerce platform that helps larger retail and hospitality businesses accept in-person payments, run QR-code ordering, and manage cash flow from a single system. Started by then-teenage founder Yoyo Chang in 2018, Kody combines payment hardware (KodyTerminal), digital ordering (KodyOrder), a fee-rebate card (KodyCard) and merchant analytics into one platform. By late 2024 it was processing close to $1 billion in annualised volume and had raised roughly $30 million across its rounds, including a $20M Series A.

- **Founded:** 2018
- **Headquarters:** Singapore (founded in York, United Kingdom; US office in Sunnyvale, California)
- **Founders:** Yoyo Chang (Founder & CEO), Jack Howell (Co-founder)
- **Team size:** ~65 employees
- **Products:** KodyTerminal, KodyOrder, KodyCard, Merchant platform / portal, Cash flow & embedded finance
- **Notable:** Founded by a teenage entrepreneur and grown to ~$30M total funding, Closed a $20M Series A in November 2024, Approaching $1 billion in annualised processing volume by late 2024

## Products & services

- **KodyTerminal** — A fully integrated, wireless 4G-enabled card machine that accepts offline payments and a wide range of payment methods including e-wallets.
- **KodyOrder** — A QR-code digital ordering and pay-at-table platform; customers scan a code, browse a branded menu, add items and pay securely online.
- **KodyCard** — A chip-and-pin business card aimed at optimising procurement and increasing net profit by up to 10% through transaction fee rebates, with staff expense controls.
- **Merchant platform / portal** — An all-in-one management portal with real-time analytics, sales monitoring, multi-venue customer tracking, loyalty and reconciliation tools.
- **Cash flow & embedded finance** — Instant settlement and access to funds plus banking/financial services delivered in partnership with regulated banks and processors.

## Achievements

- Founded by a teenage entrepreneur and grown to ~$30M total funding
- Closed a $20M Series A in November 2024
- Approaching $1 billion in annualised processing volume by late 2024
- Processing for more than 2% of the UK full-service restaurant market
- Won enterprise hospitality and retail brands including Langham, Hyatt and MINISO

## Latest updates

- **2024-11** — Closed a $20M Series A to expand physical commerce solutions and hire across the UK, Europe, Hong Kong and Singapore.
- **2024** — Rebranded from KodyPay to Kody and broadened from payments into embedded finance, loyalty and an agentic commerce platform.

## Links

- Website: https://kody.com
- LinkedIn: https://www.linkedin.com/company/kodypay
- Twitter/X: https://twitter.com/kodypay
- Instagram: https://www.instagram.com/kodypay/
- Facebook: https://www.facebook.com/kodypay/

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Profile page: https://yespress.io/kody
Published by YesPress — https://yespress.io
Last updated: 2026-06-14