Instapay

What Instapay does

Instapay is a Polish cloud-based SaaS platform, operated by Cashless Solutions sp. z o.o and headquartered in Puławy, that automates recurring payment collection and receivables management for small and medium-sized businesses. Founded in 2019, the platform is structured as a unified system with interconnected modules covering payment management (automatic invoice-to-payment matching with status checks up to four times daily), AI-powered notifications and dunning sequences (email, SMS, voice), subscriptions and payments (cards, pay-by-link, traditional transfer with multi-currency support), analytics and reporting, and a customer-facing app. The platform integrates natively with 18 Polish banks and connects to PayU and Stripe payment gateways, with an Open API for third-party integration.

The company primarily serves Polish SMBs across educational institutions (sports academies, schools, dance schools), online businesses (e-commerce, SaaS, catering/diet services), and professional services firms (accounting, insurance, real estate, advertising). Its go-to-market combines product-led growth — a self-serve 14-day free trial with no credit card required through instapay.pl — with an inside-sales motion for larger prospects via demo scheduling. Revenue is generated through tiered monthly/annual subscriptions and transaction fees on processed payments.

Capitalization is dominated by non-dilutive public funding rather than institutional venture capital: approximately 905,000 PLN from NCBR (BRIdge Alfa, 2021) and 1,167,530 PLN in EU co-financing (POPW market deployment project), supplemented by a $350,000 investment from Space Bridge in May 2022. The company remains early-stage with 1-10 employees and a single-country geographic footprint limited to Poland.

Name

Instapay

Legal name

Cashless Solutions sp. z o.o

Website

https://instapay.pl

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Instapay is a Polish cloud-based SaaS platform that automates recurring payment collection, dunning, and receivables management for small and medium-sized businesses across education, online commerce, and professional services, integrating with 18 Polish banks plus PayU and Stripe.

Ownership category

akta.pro rank

Product category

Payment Automation Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Recurring Billing & AutoPay Management (FSAMAJAE)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

Keywords

• Payment automation software
• Recurring billing platform
• Receivables management
• Debt collection automation
• Subscription payment software

Headquarters

HQ city

Pulawy

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Revenue: Monthly or annual subscription fees for access to the payment automation platform, with tiered plans based on features and usage volume
2. Payment Processing: Transaction fees from processing payments through integrated payment gateways (PayU, Stripe)

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Instapay is a cloud-based SaaS platform for payment automation and receivables management that enables Polish small and medium businesses to collect recurring payments on time. It offers automatic invoice-payment matching, AI-powered personalized notifications and dunning, subscription billing, real-time analytics, and a customer-facing app, integrating with 18 Polish banks and payment gateways PayU and Stripe.

Product overview

Instapay is a single unified cloud-based payment automation platform (not a collection of separate products). The core platform provides payment receivables management with interconnected functional modules: Payment Management (automatic invoice matching and status checking), Notifications & Collection (AI-powered dunning sequences), Subscriptions & Payments (recurring billing with multiple payment methods), Analytics & Data (real-time reporting and AI-assisted analysis), and Integrations (bank and payment gateway connectivity). A Customer App extends the platform to end clients. The entire system is designed to be set up in 15 minutes without developer involvement.

Differentiator

Problem solved

Functional benefit

Products and services

• Instapay Platform Unified cloud-based payment automation and receivables management platform enabling Polish businesses to collect payments on time, manage subscriptions, send automated notifications, and analyze financial data from a single interface.
• Zarządzanie płatnościami (Payment Management) Module for managing all payment data in one place; automatically matches payments with invoices, checks payment statuses up to 4 times daily, and provides access levels and manual tasks for employees.
• Powiadomienia i windykacja (Notifications & Collection) AI-powered notification and debt collection module that automatically sends personalized email, SMS, and voice notification sequences with effective templates, with all communication history centralized in one place.
• Subskrypcje i płatności (Subscriptions & Payments) Module handling multiple payment types (payment cards, pay by link, traditional transfer), recurring and one-time payments, subscription management, product catalog, and multi-currency support with refund handling.
• Aplikacja dla klientów (Customer App) Customer-facing application allowing clients of Instapay's business users to manage their subscriptions, view payment history, and make payments conveniently.

Quantifiable outcome

• Saves up to 189 hours of work per month through automation
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• PayUcoreTechnology or IntegrationIntegrated payment gateway for processing credit card payments, BLIK, and traditional transfers. Certified payment provider ensuring secure transactions.
• StripecoreTechnology or IntegrationInternational payment gateway integration for processing card payments and digital wallets. Provides secure transaction processing.
• 18 Polish BankscoreTechnology or IntegrationIntegration partnerships with 18 banks operating in Poland, enabling automatic payment reconciliation, status monitoring, and bank transfer matching.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/instapaypl
• LinkedInlinkedin.com/company/instapaycompany

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments

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

Frequently asked questions about Instapay