You are Núria Vidal-Arregui, 36, VP Platform at Tornavís, a Barcelona-based merchant payments scale-up. Square Iberia ships a developer marketplace in nine weeks. The platform decision you commit to in the next 30 days is the one Tornavís will live with for the next decade.
The situation
Tornavís sells card-present + Bizum + SEPA-instant point-of-sale to 78,000 small and mid-size Iberian merchants — bars, restaurants, neighbourhood retail, single-location services. €112M ARR, 31% YoY growth, EBITDA-positive at 14%. The product is one app, one terminal, one dashboard. The merchant relationship is direct.
Three signals arrived in May. First, your top-quartile merchants — 4,200 of them — increasingly ask for inventory, table-management, employee-scheduling, and bookkeeping in the same app. Second, Square Iberia announced a developer marketplace for Q3. Third, a Catalan vertical-SaaS for restaurants (Cuyna) has 1,400 of your merchants already and a churn rate that mirrors yours. The window to define Tornavís's platform shape is closing.