External feedback from the Ex VM group (31 Aug 2026), after the Lakuyo early-access announcement. Engineering mirror: competitive-landscape.md.
Positioning summary
| Dimension | Lakuyo (founding) | paper.id (reported) | Moka (reported) |
|---|---|---|---|
| Core POS cost | Free single-device | Free | Subscription |
| Primary monetisation | One-time backup unlock + Pro subscription | Payment-gateway fees | Subscription + fees |
| Offline core POS | Required (Phase 1) | Unknown / not emphasised | Cloud-first perception |
| Accounting depth | Basic sales/inventory history | Basic accounting | Broader reporting |
| Initial fit | Starters on phone/tablet | Restaurants; invoice for others | Established SME |
Lakuyo does not need to match gateway-fee monetisation in Phase 1. Optional PSP integration (Phase 3, POS-015) can explore gateway-linked revenue for merchants who opt in.
paper.id
Source: Sonny Wibisono — current user (31 Aug 2026).
- Free product; revenue from card / payment-gateway transaction fees.
- Originally aimed at restaurants.
- Merchants outside restaurants often use invoice + payment gateway.
- Feature set described as basic accounting only.
Takeaways
- Free core must feel genuinely usable — not a demo that pushes gateway signup.
- Manual cash / EDC / static QRIS paths (POS-005) remain first-class; do not force PSP onboarding.
- Phase 1 reporting stays operational (sales, stock) — not full bookkeeping.
- Restaurant flows remain Phase 3; paper.id’s resto focus is a later competitive axis, not Phase 1 scope.
Moka
Source: Pricool — fee comparison question (31 Aug 2026).
Merchants compare total cost (subscription + transaction fees). Lakuyo’s answer for starters:
- Rp0 recurring for single-device core POS + Inventory.
- Pay Lakuyo for backup convenience (one-time) or cloud/multi-device (Pro) — not for the right to sell offline.
- Integrated PSP fees, when offered, must be transparent and optional (POS-015).
Gateway-fee model (Doku SME class)
Source: Andre Prasetya — same monetisation pattern as paper.id card fees.
Useful reference when evaluating PSP partnerships later. Not a replacement for Lakuyo’s subscription/one-time app monetisation model.
Platform advice (same thread)
Andre Prasetya initially recommended deferring Mac/Windows and staying mobile-only. Founders revised this: Lakuyo ships Android, iOS, macOS, and Windows together per phase (ADR-003). Android POS terminals remain supported via the Android client.
Captured in control-plane ADR-003 and Product/Founding Decisions > External feedback (Ex VM, 31 Aug 2026).