For entrepreneurs by entrepreneurs

Increase your market share, revenue and customer loyalty by launching your own Superapp. 20NINE for entrepreneurs is for both consumers and businesses and fits your customers like a glove. 

Win-win for all involved

Why Partner with us?

For you

We make you the leading brand towards small businesses, ultimately increasing customer loyalty, revenue and profit. We do the work and you reap all benefits.

For your customers

We make it easier for micro and small business owners to organize and grow by digitizing their operations with our all-in-one app.

For society

By digitizing the micro and small businesses we create growth and new job opportunities and as well increase the society’s welfare level.

Great traction and geographical spread

Loved by customers across 25+ countries

25% free trial to conversion rate

8% yearly churn

Accelerate your business growth

20NINE Partner programs

Take your business to the next level by joining our growing network of partners.

Mobile payment networks

Capitalize on your micro and small business users with a true all-in-one solution that plugs in to your payment flows to digitize also your small
business users and make it easier for them to grow.


Offer our Superapp to your micro small businesses and become a true growth partner to them. Integrate 20NINE with your transaction flows and other services to become even more relevant as a business bank.


Get an edge over your competitors and offer something unique that cannot be offered by others. Increase the customer loyalty by bundling 20NINE with subscriptions, software or hardware.

business models

We offer 2 different business models

Pay as you go

We connect 20NINE to your mobile payment flows or other financial services and charge the user a fee per book kept transaction. The App itself is free for the end user . This is suitable if you have many users and
produce millions of daily transactions like in mobile payment networks.

Royalty based

We offer a white labeled version of 20NINE to your micro and small business customer base. With this model we base the royalty fee on how many subscribers or users you want to make the Superapp available to and you decide your own pricing.

Scalable and easy onboarding

 Let’s you focus on sales and not tech

Increase your small business top line, improve customer loyalty and reduce churn.

Reduces your time to market

Reduces your risks and costs

White labeled for increased loyalty

Connects to local services

Custom pricing to fit your market

Possible to host on own cloud

Zero sales effort

With 20NINE there is no need to train your sales staff. Let them focus on your core offerings and make your superapp a tick-in-the-box as a stand-alone or bundled small business offer.

Zero support effort

Benefit from scaling – let 20NINE manage the end user support for you and save precious time that can be devoted to bringing your company to the next level.

Zero delivery effort

Forget the usual hassle with user onboarding. We provide everything needed for a successful onboarding experience. All users get access to self-service videos, instructions and webinars.

Business Advisory

To secure you reach your business targets (Increased revenue, customer loyalty and market share) when launching 20NINE we add a qualified business manager that guides you through the process from contract to launch and beyond.

Marketing support

For you to benefit from our insights about the end users and secure a high success rate at the launch, we include a dedicated marketing team that works closely with you to ensure an extraordinary launch.

Booster packages

To maximize the take-up rate at launch and make you stand out, we include 20NINE’s two innovative booster packages which, through gamification, quickly increase the number of users and usage.

Extend with local alternatives

Tailored to your needs

White-labelled Superapp

Global standard integrations

Local custom integrations

end-user solution: 20NINE go

Gives consumers control of their finances

Automatic and easy
Makes it easy for consumers to categorize their transactions, i.e., Rent, Food, and Entertainment, to manage their household economy better.
Gives categorisation suggestions automatically

20NINE also gives control over any side business to make it easier to split private and business transactions and later take the step and convert the business to a formal business.

end-user solution: 20NINE GROW

A Super-app vs. Silo based B2B Saas

Traditional, silo based, Saas

Users use only 10-20% of functionality in daily work life

Requires knowledge in many platforms

High total monthly costs

Information spread across different places

20NINE Superapp

Provides functionality used in everyday work life

Requires knowledge in only one platform

Low total monthly costs

Makes information available in one place

customer journey

Unleash the power of entrepreneurship


Categorize household economy

Consumers running an informal business

Split private and business transactions
Categorize economy

Formal businesses

Full business needs