Payzone

Name

Payzone

Legal name

Payzone Ireland Limited

Website

https://payzone.ie

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Payment Processing Services

akta.pro primary industry

Parking & Toll Payment/Reservation Platforms (BPAMAIAL)

akta.pro secondary industries

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN), Transit & Ticketing Wallets (FSAMAEAG), Payment-Integrated Booking & Checkout Modules (THALADAO)

Keywords

• Payment processing services
• Mobile parking payments
• Card payment terminals
• Online payment gateway
• Retail payment network

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Parking Transaction & Account Fees: Registered parking users pay a monthly maintenance fee per vehicle (€1.29 for on-street, €2.29 for on+off-street). Pay-as-you-go users pay a per-transaction convenience fee of €0.35. Optional SMS parking reminders are charged at €0.20 each. Additional revenue is generated from account maintenance charges, SMS fees, and misuse-related charges as detailed in the T&Cs.
2. Tolling Subscription: Tolling subscribers pay €1.21/month (incl. VAT) for a Payzone toll tag covering all Irish toll roads. The monthly fee is auto-deducted from the Payzone account balance or charged to the stored card. Standard toll charges are set by the relevant toll operators.
3. Merchant Services & Card Terminals: Payzone provides card machines (POS terminals) to businesses and Payzone retail stores, generating revenue from card processing fees and transaction charges. Payzone's network of over 3,500 stores nationwide processes payments for utility providers, parking, mobile top-ups, and other bills, with each transaction generating a fee.
4. Online Payment Gateway: Payzone offers an online payment gateway allowing businesses to accept card payments from their online stores. Revenue is generated through transaction processing fees per payment accepted through the gateway.
5. Fundraising Platform: Charities, schools, clubs, and corporates use Payzone's fundraising platform to collect donations and payments. Payzone charges fees per payment processed on the platform. Fund settlement is either via Stripe (7-day rolling basis) or overnight via other merchant service providers.
6. Bill Payment & Top-Up Services: Consumers pay household bills (electricity, gas), mobile phone top-ups, and other services at Payzone stores or online. Payzone earns processing fees from service providers (Electric Ireland, Bord Gais Energy, Pinergy, Vodafone, eFlow, DPD, Amazon, etc.) for each transaction processed through its network.
7. Bike Rental Integration: Payzone integrates Bleeper bike rental within its app. Users pay unlock fees (€1.00) and per-minute charges (€0.04, with pitstop fee €0.02/min) set by Bleeper. Payzone earns a revenue share or transaction fee for rides initiated through its platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels10 records

Marketing channels11 records

Core offering

Payzone provides multi-channel payment services across Ireland, combining a consumer-facing mobile app for cashless parking, tolling, bike rental, utility bill payment, and charity donations with B2B merchant services including card payment terminals, an online payment gateway, and dedicated platforms for fundraising, schools, and clubs. Its foundational distribution asset is a nationwide network of 3,500+ independent Payzone retail agent stores where consumers pay bills, top up mobile phones, and access other services, all operating under PCI DSS Level 1 and ISO 27001:2022 security standards.

Product overview

Payzone is a multi-service Irish payment platform operating across consumer and business segments. The core offering combines a consumer-facing mobile app (for parking, tolling, and mobility) with business payment solutions (card terminals, online payments, and a retail network). Supporting the core are vertical-specific platforms for fundraising, school payments, and club payments, plus utility top-up services. The platform architecture comprises: the Payzone App (consumer mobile hub), card machines and online payment gateways (business core), a retail network of 3,500+ stores (alternative payment channel), off-street parking via Q-Park and Easytrip tags, electronic tolling, Bleeper bike rental integration, and the platform.payzone.ie portal for fundraising/school/club payments. The company is jointly owned by AIB Group plc and Fiserv Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• Payzone App Consumer-facing mobile application for parking payments, toll management, mobility services (bike rental), and exclusive offers. Available on Android and iOS, it enables users to pay for on-street parking across 17 counties, manage off-street parking, subscribe to tolling, access Bleeper bikes, and save with offers.
• Payzone On-Street Parking (Park Now) Cashless on-street parking service allowing users to pay via app, SMS, IVR (phone), or in a Payzone store across 17 counties in Ireland with 631+ parking locations. Registered users pay €1.29/month per vehicle with no convenience fees; pay-as-you-go users pay €0.35 per transaction.
• Payzone Tolling Subscription (Toll Tag) Electronic toll tag subscription service for all Irish toll roads. Tag ordered through the Payzone app and dispatched by post. €1.21/month incl. VAT subscription fee enables automatic toll payment at M50 and other Irish toll routes; standard toll charges set by operators.
• Card Machines Card payment terminals for businesses supporting debit/credit cards, contactless, Apple Pay, Google Pay, and Samsung Pay. Available in fixed, portable, or wireless configurations with engineer installation and 24/7 support. Custom pricing based on business type and transaction volume.
• Online Payment Gateway Online payment gateway enabling Irish businesses to accept card payments on their e-commerce websites. Supports card-not-present transactions with transaction processing fees. Sold via direct sales outreach and 'Request a quote' form.
• Retail Payment Network Nationwide network of 3,500+ Payzone stores enabling customers to pay bills, top up mobile phones, make utility payments, and collect/drop off parcels. Provides an alternative payment channel for everyday expenses across Ireland.
• Fundraising Platform All-in-one fundraising platform for charities, corporates, schools, clubs, and communities to launch, promote, and measure fundraising activities online. Supports online donations via Stripe or AIBMS, custom branding, reporting, QR codes, NFC tags, email/text payment requests, and merchant services integration with 7-day rolling settlement via Stripe.
• School Payments Platform Payment platform for schools enabling parents to pay school expenses digitally. Supports student data uploads, class information management, custom-branded payment pages, HTML embed integration for school websites, email/text payment requests, and bank reconciliation. Free sign-up with per-payment transaction fees.
• Club Payments Platform Payment solution for sports clubs and community groups to manage membership and process payments online. Includes club management tools, member database, class/team group assignments, detailed reports, bank reconciliation, and communication features. Free sign-up with per-payment transaction fees.

Quantifiable outcome

• Over €4.7 million in Energy Vouchers distributed through St. Vincent de Paul partnership, supporting thousands of households with energy costs
• +3 more outcomes

Named customers18 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature8 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• BleepercoreTechnology or Integration · 1 January 2023Payzone has partnered with Bleeper, Dublin's longest-running stationless bike service, since 2023. Payzone was the first app in Ireland to integrate shared bikes into its platform. The partnership was renewed in May 2025 for a further two years. Payzone sponsors Bleeper's fleet of over 800 public bikes across Dublin City, Fingal, and Dún Laoghaire-Rathdown. Within the Payzone app, users can locate, unlock, and pay for Bleeper bikes using their Payzone account. In 2024, Bleeper users avoided approximately 46,520kg of CO2 emissions by cycling.
• E-StationcoreStrategic or Co-development Partner · 1 January 2023Payzone partnered with E-Station to facilitate its transition to a fully electric vehicle sales fleet in 2023. E-Station provided charging equipment, coordinated home charger installations for Payzone staff, and opened its network of public charging points across Ireland to Payzone's nationwide sales team. This supports Payzone's commitment to reducing its carbon footprint.
• St. Vincent de Paul (SVP)coreStrategic or Co-development Partner · 1 October 2022Payzone partnered with St. Vincent de Paul in autumn 2022 to create and develop an Energy Voucher scheme. With €1.5 million in donations from SSE Airtricity and Bord Gais Energy, SVP allocated a €1 million fund for Energy Vouchers to help those struggling with energy bills. Payzone developed redeemable Energy Vouchers scannable at its 3,500 retailers. The programme was expanded in early 2023 to allow individual SVP conferences to purchase and distribute their own vouchers. To date, Payzone has created and distributed Energy Vouchers worth €4.7 million.
• Q-ParkcoreTechnology or IntegrationPayzone offers off-street parking integration with Q-Park car parks through vehicle registration plate recognition. Q-Park customers can subscribe to Payzone's off-street parking bundle and pay for parking automatically using their vehicle registration at Q-Park facilities. The service is managed within the Payzone app and website, with a 35c surcharge per transaction.
• EasytripcoreTechnology or IntegrationPayzone integrates with Easytrip for off-street parking via a windscreen-mounted tag. Easytrip delivers tags ordered through the Payzone app. The tag enables automatic payment at Easytrip-compatible barriered car parks. Personal data (name, address, vehicle registration) is shared with Easytrip for tag fulfilment. For off-street parking services, Payzone acts as joint controller with Easytrip.
• Dublin City University (DCU)minorStrategic or Co-development PartnerPayzone makes an annual financial contribution to the DCU Access Programme, which supports students from socio-economically disadvantaged backgrounds to access third-level education. Payzone also participates in the DCU Intra programme, providing third-year students from Business and Computer Science programmes with paid work placements in Payzone's Business Development and IT teams each year.
• Electric IrelandminorChannel Partner/ Reseller/ DistributorElectric Ireland customers can top up PAYG electricity accounts at Payzone stores and via the Payzone online platform (electricireland.payzone.ie). Payzone processes these payments as an authorized bill payment channel for Electric Ireland.
• Bord Gais EnergyminorChannel Partner/ Reseller/ DistributorBord Gais Energy customers can top up PAYG gas and electricity accounts at Payzone stores and online (bordgaisenergy.payzone.ie). Bord Gais Energy is also a founding donor to the St. Vincent de Paul Energy Voucher scheme facilitated by Payzone.
• PinergyminorChannel Partner/ Reseller/ DistributorPinergy PAYG electricity customers can top up their accounts at Payzone stores and via the Payzone online platform (pinergy.payzone.ie).
• eFlowminorChannel Partner/ Reseller/ DistributoreFlow is a key tolling partner, with eFlow logo featured prominently on the Payzone website and in stores. eFlow enables road toll payment through Payzone's platform and retail network.
• DPDminorChannel Partner/ Reseller/ DistributorDPD parcel collection and drop-off services are available at Payzone stores nationwide, expanding the range of services offered by Payzone retailers.
• AmazonminorChannel Partner/ Reseller/ DistributorAmazon Locker collection and related services are available at select Payzone stores, expanding the retail network's service offering.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• PayByPhone: PayByPhone (owned by ING) is a leading mobile parking payment app operating across Europe and North America. It competes directly with Payzone in cashless on-street and off-street parking, offering similar app-based parking payment with enforcement integration, making it the most directly comparable peer.
• EasyPark Group: EasyPark Group operates one of Europe's largest mobile parking payment platforms and acquired ParkMobile. It competes with Payzone across European markets on cashless parking, parking reservations, and integrated mobility services, with a comparable B2B/B2C dual-revenue model.
• RingGo (Cobalt Cloud): RingGo, owned by Cobalt Cloud, is the UK's leading cashless mobile parking payment service with millions of registered users. It is a close comparable given its similar app-first model for parking payments, SMS/IVR options, and direct integration with UK local authorities.
• JustPark: JustPark is a UK-based parking marketplace and payments platform serving both on-street and off-street parking, with consumer and B2B products closely aligned to Payzone's parking app and merchant offerings.
• Flowbird: Flowbird (formerly Parkeon) supplies urban mobility and parking payment solutions across Europe and globally, including parking meters, mobile apps, and integrated mobility platforms. It competes with Payzone in the parking and toll payment infrastructure space, particularly through municipal contracts.

Broad incumbents

• SumUp: SumUp is a global card-reader and payment-processing provider for SMEs. While it operates in a broader payments portfolio rather than specialising in parking, it directly competes with Payzone's card machines and online payment gateway offerings for Irish small business customers.
• Stripe: Stripe is a global online payment infrastructure provider — also an integration partner for Payzone's fundraising platform. It competes with Payzone's online payment gateway for Irish e-commerce merchants with a much broader product suite and global scale.
• Worldline: Worldline is one of Europe's largest payment processors, offering merchant acquiring, card processing, and digital payment services. As a broad incumbent in European payments, it competes with Payzone's card terminal and merchant services for Irish enterprise and SMB clients.

Others

• eFlow: eFlow operates Ireland's M50 toll system and is also a Payzone partner for toll payments distributed via retail stores and the app. It is comparable as a payments-adjacent Irish mobility services operator, although structural partnership rather than head-to-head competition.
• Bleeper: Bleeper is Dublin's stationless bike-share operator and a core Payzone mobility integration partner. It is ecosystem-relevant rather than competitive, but its bike rental model intersects with Payzone's mobility hub strategy and provides useful comparable for shared-mobility unit economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PayzoneIreland
• LinkedInlinkedin.com/company/payzone-group
• Instagraminstagram.com/payzoneireland

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Payzone