Aimed at helping small businesses start, grow and scale efficiently, Ant International’s merchant payment and digitisation services unit Antom has launched EPOS360, an app bringing together point-of-sale (POS) systems, payments, banking, lending and growth support together on one platform.
Antom notes that the app comes with an AI copilot to help businesses simplify operations, and leverage existing data for actionable insights. Expected to be available on both iOS and Android in early 2026, the app will allow MSMEs to access a range of services provided by Antom, Alipay+ and ANEXT Bank within five minutes.
The app enables merchants to set up online stores within minutes, through platforms such as Google Maps, and other partner e-wallets. This makes it easier for consumers to find them, and place orders. Merchants can also manage daily operations, inventory, and seasonal promotions, and get financing support from ANEXT Bank without any collaterals, all at their fingertips.
In phase one, EPOS360 will serve Singapore-based MSMEs, with a focus on retail and food & beverage, and will expand to cover Malaysia as a mini app within Touch ‘n Go in early 2026. The app will be available in English, Chinese, Bahasa Malaysia, Thai, and Japanese, with more languages to be added in the future as it rolls out to more markets.
Ian Cheong, CEO of EPOS, said: “Singapore has shown how a pro-MSME digital agenda can translate into strong economic vitality. To support MSMEs realise their full potential, we are packaging a wide range of merchant services into one AI-powered app that removes complexity and transforms everyday operations into new opportunities for growth. With EPOS360, even a neighbourhood food & beverage stall can launch an online menu, access an instant small loan, and set up a weekend promotion in minutes.”
The app also features a built-in Antom Copilot that helps merchants quickly create online stores, boost sales with omnichannel marketing, and monitor cash flow. It can suggest inventory adjustments, explain weekly performance shifts, or address payment issues. It also analyses competition and marketing campaign results to guide smarter decisions. In addition, the AI copilot recommends timely promotions and generates content based on factors such as holidays, weather changes, competitors, and bundling opportunities. The agent also supports publishing across multiple digital channels.
EPOS360 integrates banking and financing so businesses can manage funds and access credit with ease. Merchants can open a free business account, supported by ANEXT Bank, with no minimum balance or transaction fees, and earn a competitive per annum daily interest rate on eligible balances. The platform also supports expansion, allowing merchants to hold multiple currencies.
Eligible merchants may receive instant approval for a loan up to S$5,000 at sign-up to address short-term needs through ANEXT Bank, with higher limits available and revenue-based financing options available as they grow.
EPOS360 helps merchants accept cards and alternative payment methods for online and in‑store transactions, with same‑day settlement available for certain payment methods. Businesses may also activate Alipay+ cross-border partner wallets for foreign visitors as they scale.
The app also allows merchants to pair and configure their EPOS360 Bluetap, a smart over-the-counter terminal that accepts both QR and card payments. Its QR code-based tap-to-pay feature is powered by Ant’s proprietary technology.
Gary Liu, General Manager of Antom, Ant International, said: “We aim to make advanced technologies and high-quality services accessible to businesses of all sizes. Tailored-made merchant services have long felt beyond the reach of MSMEs, and EPOS360 lowers that barrier. While continuing to support cross-border merchants, we are deepening our focus on empowering local MSMEs with the same level of innovation and capability to drive sustainable growth.”
To recognise outstanding MSMEs that excel in innovation, digitisation, customer experience and workplace culture, Ant International and EPOS launched the inaugural Emerging Champions Awards in Singapore. Winners include Ai Muay Management Pte. Ltd., which won the Grand Prize in Digital Transformation for its digital transformation strategy for the six wet markets it manages, and Big Spring Day Seafood Trading Pte. Ltd., a local surimi seafood manufacturer named The Most Innovative SME for its proprietary blast-freezing technology and business model. Each winner will receive up to S$10,000 in Family Credits that can be redeemed for EPOS services to accelerate their digitisation journey.
EPOS serves over 6,000 merchants in Singapore, with further market expansion in the works. The platform helps businesses improve efficiency and customer engagement with intelligent sales systems, AI‑driven CRM and analytics, and hardware solutions such as Soundbox and self‑ordering kiosks.
