Antom, a provider of merchant payment and digitisation services under Ant International, has introduced EPOS360, an app that brings point-of-sale (POS) system, payments, banking, lending, and growth support together to help micro, small and medium-sized enterprises (MSMEs) move from setup to scale efficiently.

EPOS is the all-in-one SME transformation platform of Antom, one of Ant International’s major business pillars. With the launch of the new app, Antom is set to serve more MSMEs alongside enterprise customers.

The AI-powered EPOS360 app consolidates POS system, payments, banking, lending, digitisation, marketing and other growth-enabling services. Available on iOS and Android in early 2026, the app allows MSMEs to access all these services, provided by Antom, Alipay+ and ANEXT Bank under Ant International, within five minutes.

The app will help MSMEs engage more customers. It enables merchants to set up online stores across Google Maps, partnering e-wallets, and other digital channels within minutes, making it easier for consumers to find them and place orders. Merchants can also manage daily operations, inventory, and seasonal promotions, as well as get financing support from MAS-regulated ANEXT Bank without any collaterals, all at their fingertips.

In phase one, EPOS360 serves Singapore MSMEs, particularly those in retail and food & beverage, and will expand to cover Malaysia as a mini app within Touch ‘n Go in early 2026. It will roll out to more markets later. The app will be available in English, Chinese, Bahasa Malaysia, Thai, and Japanese, with more languages to be added in the future.

Born with AI embedded, the app 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 MSME-facing AI copilot identifies holidays, weather changes, competitors, and bundling opportunities to recommend timely promotions, generate content, and publish it across multiple digital channels.

Supported by ANEXT Bank, EPOS360 integrates banking and financing so businesses can manage funds and access credit with ease. Merchants can open a free business account, 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.

Backed by ANEXT Bank, eligible merchants may receive instant approval for a loan up to S$5,000 at sign-up to address short-term needs, with higher limits available and revenue-based financing options available as they grow.

For payments, EPOS360, supported by Antom’s payment processing service provider, helps merchants accept cards and alternative payment methods for online and in-store transactions, with same-day settlement available for certain payment methods. As businesses grow, the payments setup scales with them, such as activating Alipay+ cross-border partner wallets for foreign visitors.

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.

EPOS serves over 6,000 merchants in Singapore and is expanding to other markets. 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.