PayPo
PayPo is a Warsaw-based Polish fintech operating the country's largest buy-now-pay-later network, serving 2 million consumers across 60,000 online stores with 30-day deferred payments, installments, and a multi-currency PayPo Card via API and mobile app.
- Company typePrivate
- Founded2016
- HeadquartersWarsaw, Poland
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What PayPo does
PayPo Sp. z o.o. is a Warsaw-based Polish fintech founded in 2016 that operates the country's largest buy-now-pay-later (BNPL) network, serving approximately 2 million consumers across roughly 60,000 online stores. The company is registered both as a lending institution (RIP000135) and as a national payment institution (IP59/2024) under the Polish Financial Supervision Authority (KNF), and is a member of the Polish Financial Companies Association (ZPF).
The platform centers on three core products: 'Zapłać za 30 dni' (pay in 30 days, interest-free), 'Zapłać w ratach' (installment payments), and the 'Karta PayPo' virtual and physical card, supplemented by SmartPlan, Podziel na 3, and Raty 0% sub-products. Technical distribution occurs through API 3.1, ready-made plugins for PrestaShop, WooCommerce, Magento, and OpenCart, a PayPo-branded payment gateway, and a mobile application on iOS and Android with Apple Pay, Google Pay, and multi-currency (30 currencies, 50+ countries) support. Recent launches extend the surface into travel ('Fly now, pay later') and classifieds (OLX Poland partnership with PayU).
PayPo monetizes primarily via merchant transaction fees on each deferred payment, with a secondary stream from interest and commissions on installment plans (RRSO representative example 97.9%, commission up to 14.80%). The consumer-side product is free when balances are repaid within 30 days. Go-to-market combines product-led growth (self-serve onboarding, mobile app) with channel partnerships (OLX, PayU, e-commerce platform operators), and the company has publicly stated an ambition to become the leading payment method in Central and Eastern Europe.
PayPo firmographics
Firmographics- Name
- PayPo
- Legal name
- PayPo Sp. z o.o.
- Website
- https://paypo.pl
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- PayPo is a Warsaw-based Polish fintech operating the country's largest buy-now-pay-later network, serving 2 million consumers across 60,000 online stores with 30-day deferred payments, installments, and a multi-currency PayPo Card via API and mobile app.
- Ownership category
- akta.pro rank
PayPo industry classification
Industry- Product category
- Consumer Lending (BNPL)
- NAICS
- Sales Financing (522220), Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
- akta.pro secondary industries
- Buy Now, Pay Later (BNPL) (CRAFALAD), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where PayPo is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
PayPo business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Merchant Transaction Fees: PayPo charges merchants a fee for processing deferred and installment payments. This is the primary revenue stream as the service is free for consumers who pay within 30 days.
- Installment Interest and Fees: Revenue generated from interest and commission charges when customers choose installment payments beyond the 30-day free period. Representative example shows RRSO of 97.9% for installment transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Pay in 30 days - free deferred payment |
| Transaction based/ take rate | Monthly | 4 installments 0% - pay in 4 equal monthly parts |
| Transaction based/ take rate | Monthly | Split into 3 - divide payment into 3 equal parts |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
PayPo product offering
Product offeringCore offering
PayPo is a Polish fintech company that provides Buy Now Pay Later (BNPL) services, allowing consumers to defer payments for up to 30 days at no cost or to pay in installments with interest. The company operates as both a regulated lending institution (RIP000135) and payment institution (IP59/2024) under the Polish Financial Supervision Authority (KNF), offering merchant integrations via API 3.1 and pre-built modules for PrestaShop, WooCommerce, Magento, and OpenCart, alongside a consumer mobile app with virtual card functionality for online and in-store payments.
Product overview
PayPo is a Polish fintech company founded in 2016 offering deferred payment (BNPL) solutions. The core product portfolio centers on three main services: Zapłać za 30 dni (pay in 30 days), Zapłać w ratach (pay in installments), and Karta PayPo (PayPo Card). These core products are supported by SmartPlan for flexible payment plans, Podziel na 3 for free 3-part installments, and Raty 0% for 4-installment payments. The platform operates through a customer-facing mobile app and web panel, a payment gateway for merchant integration, and ready-made e-commerce plugins for PrestaShop, WooCommerce, Magento, and OpenCart. The company serves over 2 million customers across 60,000 partner stores, enabling both online and in-store purchases with deferred or installment payment options.
Differentiator
Problem solved
Functional benefit
Products and services
- Zapłać za 30 dni (Pay in 30 Days) Flagship deferred payment service allowing Polish consumers to shop online and pay for purchases up to 30 days later with no additional costs or interest when settled on time.
- Zapłać w ratach (Pay in Installments) Installment payment service enabling customers to split purchases into equal monthly payments with interest and commission applied after the initial 30-day free period. Representative RRSO of 97.9% on installment transactions.
- Karta PayPo (PayPo Card) Virtual and physical payment card allowing users to make purchases in physical stores, online, and abroad with deferred or installment payments. Supports Apple Pay and Google Pay and multi-currency transactions in 30 currencies across 50+ countries.
- SmartPlan Flexible payment plan service allowing customers to split purchases into multiple installments with various payment options to manage larger purchases.
- Podziel na 3 (Divide into 3) Free installment option allowing customers to split payments into 3 equal monthly parts at zero additional cost in selected partner stores.
- Raty 0% (0% Installments) 0% installment option enabling customers to pay in 4 equal installments with no additional costs when settled within 30 days. Commission starts at 0% (minimum) up to 14.80%, interest up to 12.50% annually.
- Bramka płatnicza PayPo (PayPo Payment Gateway) Payment gateway integration allowing merchants to accept PayPo deferred payments directly on their e-commerce checkout. Operated under new regulations effective November 2025.
Quantifiable outcome
- 2 million buyers in network
- +1 more outcomes
Companies that use PayPo
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
PayPo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature4 records
PayPo partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- OLX PolandcoreOLX Poland launched a new Buy Now, Pay Later payment option in collaboration with PayPo and PayU, allowing OLX users to delay payments for up to 30 days at no cost. This partnership expands PayPo's presence in the classifieds marketplace segment.
- PayUcorePayU partnered with PayPo to offer deferred payment options on OLX Poland platform. PayU serves as the payment processing partner while PayPo provides the BNPL functionality.
- Związek Przedsiębiorstw Finansowych w Polsce (ZPF)corePayPo is a member of the Polish Financial Companies Association (ZPF), which brings together nearly 100 key companies in the Polish financial market. ZPF has been actively supporting the development of the financial sector for over 20 years, building social capital and raising ethical standards.
- E-commerce Platform OperatorscorePayPo provides integration modules for major e-commerce platforms including PrestaShop, WooCommerce, Magento, and OpenCart, enabling merchants on these platforms to easily add PayPo as a payment option.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
PayPo competitors and assessment
Company assessmentDirect peers
- Allegro Pay: BNPL product operated by Allegro, Poland's dominant e-commerce marketplace. Directly competes with PayPo by offering deferred payments natively inside the country's largest online shopping destination.
- Twisto: Polish BNPL provider offering deferred payments and installment plans directly competing with PayPo in the same Polish market, with overlapping merchant integrations and consumer base.
- PayU: Leading Polish and CEE payment processor that partnered with PayPo on the OLX BNPL launch. Overlaps with PayPo in merchant checkout flows and could be considered a direct competitor for embedded checkout financing at Polish merchants.
Broad incumbents
- Klarna: Swedish-founded global BNPL leader offering pay-in-30-days, installments, and a payment card across Europe and the US. Most relevant broad incumbent because it sets the competitive benchmark PayPo is benchmarked against in European BNPL.
- Riverty: European BNPL and consumer credit provider (formerly Afterpay Europe / Arvato Financial Solutions) offering pay-later and installment products across multiple EU markets. Comparable as a broad regional BNPL incumbent with overlapping product set.
- Affirm: US-listed BNPL and consumer credit platform offering pay-later and installment products, increasingly expanding into Europe. Comparable for product structure (deferred + installments) and merchant-funded economics.
- Afterpay: Global BNPL provider (now part of Block) offering pay-in-4 and longer-term installment products. Comparable for product mechanics and merchant-funded BNPL model, even though primary markets are outside Poland.
Emerging players
- Sezzle: BNPL provider offering pay-in-4 and longer-term installment products primarily in North America. Comparable on product structure (installment BNPL) but only partial geographic overlap with PayPo.
- Splitit: BNPL platform that splits existing credit-card payments into installments, focused on merchant integrations. Comparable for merchant-funded installment mechanics, though the credit-issuance model differs from PayPo's underwriting model.
Regional players
- ZippiPay: Polish BNPL / deferred payment provider focused on online merchants. Comparable as a domestic Polish BNPL peer competing for the same SMB merchant integrations and Polish consumer base as PayPo.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
PayPo social profiles
Digital presencePayPo compliance and trust
Trust signalCompliance6 records
PayPo financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayPo leadership team
Management profileNumber of profiles
Profiles1 record
PayPo funding detail
Funding detailFunding overview
Funding rounds4 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayPo M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PayPo
What does PayPo do?
PayPo is a Polish fintech company that provides Buy Now Pay Later (BNPL) services, allowing consumers to defer payments for up to 30 days at no cost or to pay in installments with interest. The company operates as both a regulated lending institution (RIP000135) and payment institution (IP59/2024) under the Polish Financial Supervision Authority (KNF), offering merchant integrations via API 3.1 and pre-built modules for PrestaShop, WooCommerce, Magento, and OpenCart, alongside a consumer mobile app with virtual card functionality for online and in-store payments.
Is PayPo a public or private company?
PayPo is a private company. It is classified as venture growth investor backed and is currently operating.
When was PayPo founded?
PayPo was founded in 2016. It employs 101 to 250 people.
Where is PayPo based?
PayPo is headquartered in Warsaw, Poland, in the Europe region.
How does PayPo make money?
Two revenue lines are on record. Merchant Transaction Fees are the primary driver. The others are installment Interest and Fees.
Who are PayPo's main competitors?
Direct peers on record are Allegro Pay, Twisto and PayU. Broad incumbents are Klarna, Riverty, Affirm and Afterpay. Emerging players are Sezzle and Splitit. ZippiPay is listed as a regional player.
Does PayPo have an API?
Yes. PayPo offers API version 3.1 for custom e-commerce integrations. The API allows merchants to integrate PayPo's deferred payment services (Zapłać za 30 dni, Zapłać w ratach) into their online stores. Documentation is available as a PDF file. Developer documentation is at static.paypo.pl/assets/documents/api-30/PayPo_API_3_1.pdf.
What industry is PayPo in?
PayPo's product category is Consumer Lending (BNPL). Its primary akta.pro industry code is FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing), with a secondary code of CRAFALAD, Buy Now, Pay Later (BNPL). Its NAICS code is 522220 and its SIC code is 6141.