Tpay
Tpay (Krajowy Integrator Płatności S.A.) is a Polish-licensed payment gateway operator serving e-commerce SMBs, enterprise merchants, and government entities across Poland and the META region via its subsidiary Payguru. It aggregates 300+ payment methods including BLIK, cards, and wallets through a REST API, platform plugins, and mobile SDKs, monetizing via per-transaction commissions.
- Company typePrivate
- Founded2010
- HeadquartersPoznan, Poland
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Tpay does
Tpay (legal entity: Krajowy Integrator Płatności Spółka Akcyjna) is a Polish licensed payment institution founded in 2010 and headquartered in Poznań, operating a payment gateway that aggregates 300+ payment methods — including BLIK (with claimed up to 97% on-site conversion), cards via Elavon, Google Pay, Apple Pay, Click to Pay, and Bank Pekao / Alior / PragmaPay installment products — for e-commerce merchants and government entities across Poland and the META region (Middle East, Turkey, Africa). The company is supervised by the Polish Financial Supervision Authority under license IP27/2014 and runs the META regional hub through its wholly-owned Turkish subsidiary Payguru, which recently secured Egypt's first Direct Carrier Billing license for government payments. The technology base is a REST API with mobile SDKs in PHP, Android, iOS, React Native, and Flutter, CloudFlare premium-level security infrastructure, native plugins for Shopify, WooCommerce, PrestaShop, Shoper, Magento, and Selly, plus a Transaction Panel merchant dashboard, a Marketplace multi-vendor settlement module, and TpayGO for offline carded payments via the Tpay mobile app.
Tpay serves three primary customer segments: (1) E-commerce SMBs in Poland, reached via self-serve onboarding and platform plugins (the dominant segment); (2) Enterprise e-commerce merchants (e.g., RTV Euro AGD, Media Expert, Kubota, Pekao Leasing, Nextbike, PKP Informatyka) reached via direct field sales with custom pricing; and (3) Government entities (e.g., Egypt national payments via NTRA) requiring licensed, regulated processing. Its go-to-market is a hybrid of self-serve product-led growth for SMBs, API-first developer-led distribution, and enterprise field sales for large merchants and public sector. Revenue is generated through per-transaction commissions on every successful payment processed plus one-time activation/setup fees, with quote-based custom pricing for enterprise contracts billed monthly. The company is privately held, bootstrapped on Polish capital, with no disclosed external funding rounds and 51–100 employees, and it received the MEFFYS 2026 Award in Payment & Commerce at Mobile World Congress Barcelona for its DCB innovation via Payguru.
Tpay firmographics
Firmographics- Name
- Tpay
- Legal name
- Krajowy Integrator Płatności Spółka Akcyjna
- Website
- https://tpay.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Tpay (Krajowy Integrator Płatności S.A.) is a Polish-licensed payment gateway operator serving e-commerce SMBs, enterprise merchants, and government entities across Poland and the META region via its subsidiary Payguru. It aggregates 300+ payment methods including BLIK, cards, and wallets through a REST API, platform plugins, and mobile SDKs, monetizing via per-transaction commissions.
- Ownership category
- akta.pro rank
Tpay industry classification
Industry- Product category
- Payment Gateway / Online Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Smart Routing, Cascading & Payment Optimization (FSAMACAJ), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Recurring Billing & AutoPay Management (FSAMAJAE)
Keywords
Where Tpay is headquartered
LocationHeadquarters
- HQ city
- Poznan
- HQ country
- Poland
- HQ region
- Europe
Offices2 records
Markets served
Tpay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Processing Fees: Revenue generated from processing payment transactions. Merchants pay transaction commissions on each successful payment processed through the gateway.
- Activation and Setup Fees: One-time activation fees charged to merchants for account setup and integration support.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Custom enterprise pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Tpay product offering
Product offeringCore offering
Tpay (Krajowy Integrator Płatności S.A.) operates a regulated online payment gateway that lets e-commerce merchants accept cards, BLIK, bank transfers, Google Pay, Apple Pay, Click to Pay, and installment payments through a single integration. It complements the gateway with TpayGO for offline/carded mobile payments, a transaction panel for merchant management, and marketplace multi-vendor settlement functionality. Native plugins and REST APIs/SDKs enable integration across major e-commerce platforms and custom applications.
Product overview
Tpay is a Polish payment gateway operator (Krajowy Integrator Płatności S.A.) offering a comprehensive payment platform. The core offering is the payment gateway enabling online payments, complemented by TpayGO for mobile/carded offline payments, a Transaction Panel for merchant management, and Marketplace functionality for multi-vendor settlements. Payment methods include BLIK (with Level 0, One Click, BNPL, and recurring variants), digital wallets (Google Pay, Apple Pay), Click to Pay, card payments via Elavon, and installment options through Bank Pekao, Alior Bank, and PragmaPay. The platform integrates natively with major e-commerce platforms (Shopify, WooCommerce, PrestaShop, Shoper, Magento, Selly) via ready-made plugins, and provides REST API with SDKs in PHP, Android, iOS, React Native, and Flutter for custom integrations. A Partner Program enables referral-based monetization.
Differentiator
Problem solved
Functional benefit
Products and services
- Tpay Payment Gateway Online payment gateway enabling e-commerce merchants to accept various payment methods including bank transfers, BLIK, cards, and digital wallets. Targets online retailers in Poland and the META region.
- TpayGO Mobile payment solution enabling offline/carded payments through the Tpay application, bringing e-commerce payment experience to physical retail. Targets merchants needing unified online and in-person payment acceptance.
- Transaction Panel Merchant dashboard for managing transactions, viewing reports, configuring payment methods, and monitoring business performance. Targets Tpay merchant customers.
- Marketplace Multi-vendor marketplace functionality enabling settlement with multiple contractors and management of complex marketplace payment flows. Targets marketplace operators running multi-seller platforms.
- E-commerce Plugins/Modules Ready-made plugins for popular e-commerce platforms including Shopify, WooCommerce, PrestaShop, Shoper, Magento, and Selly for seamless payment integration. Targets SMB and mid-market merchants using standard e-commerce platforms.
- BLIK Polish mobile payment method supporting Level 0 (on-site), One Click, Płacę Później (BNPL up to 30 days), and recurring payments. Targets merchants serving Polish consumers.
- Google Pay Digital wallet enabling fast and secure online payments using saved cards on Android devices or browsers. Targets merchants wanting one-tap mobile checkout.
- Apple Pay Digital wallet for iOS/macOS users enabling one-tap payments with Face ID/Touch ID authentication. Targets merchants serving Apple-device consumers.
- Click to Pay Modern credit card payment standard by Visa/Mastercard enabling one-click checkout without entering card details. Targets merchants reducing card checkout friction.
- Raty Pekao (Pekao Installments) Online installment payments via Bank Pekao including 0% and margin-bearing options, with instant credit decisions and no separate bank contract required. Targets merchants selling higher-ticket goods.
- Raty Alior Banku (Alior Bank Installments) Online installment payments via Alior Bank with credit decisions within 15 minutes. Targets merchants seeking alternative installment financing providers.
- PragmaPay Deferred payment and installment solution for business customers enabling payment deferral or installment plans. Targets B2B merchants and higher-value transactions.
- Developer SDKs (PHP, Android, iOS, React Native, Flutter) Software development kits and libraries in PHP, Android, iOS, React Native, and Flutter enabling developers to integrate Tpay payments into custom applications and platforms. Targets developers building bespoke commerce platforms.
- Partner Program Referral program allowing partners to earn commissions on transactions generated by referred merchants. Targets agencies, developers, and resellers referring e-commerce merchants.
Quantifiable outcome
- BLIK payment method achieves up to 97% conversion rate
Companies that use Tpay
Customer profileNamed customers11 records
Segments3 records
Ideal customer profiles3 records
Tpay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature5 records
Tpay partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and flagship.
- Bank PekaocoreStrategic partnership with Bank Pekao for payment processing services, enabling Pekao customers to use BLIK and other payment methods through Tpay's gateway
- ElavoncoreCard acquirer partnership providing card payment processing infrastructure through Elavon's acquiring network
- PayguruflagshipTurkish subsidiary operating as regional hub for Middle East, Turkey, and Africa (META) market expansion. Enables Tpay to offer local payment methods and regulatory coverage across the META region
- ShopifycoreE-commerce platform integration allowing Shopify merchants to easily add Tpay payment gateway to their stores
- WooCommercecoreWordPress/WooCommerce plugin integration for self-serve merchant onboarding
Scale indicators3 records
Recent moves6 records
Expansion highlights7 records
Tpay competitors and assessment
Company assessmentBroad incumbents
- Stripe: Global API-first payment platform with developer-centric GTM similar to Tpay's REST API and SDK strategy. Increasingly competitive in CEE and emerging markets as merchants consolidate on global PSPs.
- Adyen: Global unified commerce payment platform offering payment gateway, processing, and acquiring across multiple regions. Competes with Tpay for large Polish and META enterprise merchants seeking single-integration cross-border coverage.
- PayPal: Global digital wallet and payment platform integrated into Tpay's gateway as one of the supported methods. Competes indirectly as an alternative checkout option for cross-border merchants.
- Checkout.com: Global cloud-based payment processor with strong MENA presence. Competes with Tpay/Payguru for enterprise merchants and government payment flows in the Middle East and Africa.
Direct peers
- Dotpay: Polish payment gateway serving SMB and mid-market merchants with similar BLIK, card, and bank-transfer aggregation. Operates in the same Polish e-commerce ecosystem with overlapping customer profiles.
- Network International: Leading MENA payment processor serving merchants and governments across the Middle East and Africa. Highly comparable given Tpay's Payguru META hub and Egypt government DCB focus.
- PayU (Przelewy24): Largest Polish payment gateway, owned by Prosus, serving the same Polish SMB and enterprise e-commerce merchants with comparable card, BLIK, and local payment-method coverage. Most direct head-to-head competitor in Poland.
- imoje (ING Bank Śląski): Polish payment gateway operated by ING Bank Śląski, offering BLIK, cards, and local payment methods to Polish e-commerce merchants. Direct competitor leveraging bank-issuer backing.
- Turkcell Ödeme ve Elektronik Para: Turkish mobile operator payment subsidiary competing with Payguru in the Turkish DCB market. Comparable Direct Carrier Billing business model serving META-region mobile-led commerce.
Regional players
- DPO Group (DPO Pay): Pan-African payment service provider serving merchants across multiple African markets. Highly relevant peer given Tpay's Egypt expansion and Payguru's broader Africa ambitions.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Tpay social profiles
Digital presenceTpay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tpay leadership team
Management profileNumber of profiles
Profiles2 records
Tpay subsidiaries and ownership
Company hierarchySubsidiaries1 record
Tpay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tpay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tpay
What does Tpay do?
Tpay (Krajowy Integrator Płatności S.A.) operates a regulated online payment gateway that lets e-commerce merchants accept cards, BLIK, bank transfers, Google Pay, Apple Pay, Click to Pay, and installment payments through a single integration. It complements the gateway with TpayGO for offline/carded mobile payments, a transaction panel for merchant management, and marketplace multi-vendor settlement functionality. Native plugins and REST APIs/SDKs enable integration across major e-commerce platforms and custom applications.
Is Tpay a public or private company?
Tpay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Tpay founded?
Tpay was founded in 2010. It employs 51 to 100 people.
Where is Tpay based?
Tpay is headquartered in Poznan, Poland, in the Europe region.
How does Tpay make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are activation and Setup Fees.
Who are Tpay's main competitors?
Broad incumbents on record are Stripe, Adyen, PayPal and Checkout.com. Direct peers are Dotpay, Network International, PayU (Przelewy24), imoje (ING Bank Śląski) and Turkcell Ödeme ve Elektronik Para. DPO Group (DPO Pay) is listed as a regional player.
Does Tpay have an API?
Yes. Tpay offers a REST API that enables developers to create transactions using various payment methods, settle transactions, order refunds, download reports, order withdrawals, configure marketplace, and more. The API supports multiple authentication methods and provides sandbox environment for testing. Available at https://api.tpay.com with documentation at https://docs-api.tpay.com/pl/ and https://docs.tpay.com/. Developers can access OpenAPI and OriginAPI endpoints. The API uses JSON format and supports webhooks for payment notifications. Developer documentation is at docs-api.tpay.com/pl.
What industry is Tpay in?
Tpay's product category is Payment Gateway / Online Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAMACAJ, Smart Routing, Cascading & Payment Optimization. Its NAICS code is 522320 and its SIC code is 7370.