PayPo

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.

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

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

• Buy now pay later
• Deferred payments
• Consumer lending
• Payment processing
• Mobile payments

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core 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

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• OLX PolandcoreGTM or Marketing Partner · 22 October 2025OLX 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.
• PayUcoreTechnology or Integration · 22 October 2025PayU 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)coreOthersPayPo 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 OperatorscoreTechnology or IntegrationPayPo 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

Direct 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

• Facebookfacebook.com/paypopl
• LinkedInlinkedin.com/company/11361752
• Instagraminstagram.com/paypo.pl

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds4 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PayPo