Tpay

Payment Gateway / Online Payment Processingtpay.com

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

Online payment gateway
E-commerce payment processing
BLIK mobile payments
Direct carrier billing
Payment API integration

Where Tpay is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers11 records

Segments3 records

Ideal customer profiles3 records

Tpay technology and API

Technology

Technology 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 signal

Partnerships

Five partnerships are on record, tiered core and flagship.

Bank PekaocoreStrategic or Co-development PartnerStrategic partnership with Bank Pekao for payment processing services, enabling Pekao customers to use BLIK and other payment methods through Tpay's gateway
ElavoncoreTechnology or IntegrationCard acquirer partnership providing card payment processing infrastructure through Elavon's acquiring network
PayguruflagshipStrategic or Co-development PartnerTurkish 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
ShopifycoreTechnology or IntegrationE-commerce platform integration allowing Shopify merchants to easily add Tpay payment gateway to their stores
WooCommercecoreTechnology or IntegrationWordPress/WooCommerce plugin integration for self-serve merchant onboarding

Scale indicators3 records

Recent moves6 records

Expansion highlights7 records

Tpay competitors and assessment

Company assessment

Broad 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 financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Tpay leadership team

Management profile

Number of profiles

Profiles2 records

Tpay subsidiaries and ownership

Company hierarchy

Subsidiaries1 record

Tpay funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

Tpay M&A and investment

M&A and investment

M&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?

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.