PolCard
PolCard, a Fiserv subsidiary, provides card payment acceptance — POS terminals, SoftPOS, e-commerce gateway, and self-service terminals — plus 40+ value-added services to Polish SMBs, enterprise chains, and public sector clients across retail, HORECA, transport, and government.
- Company typePrivate
- Founded1992
- HeadquartersWarsaw, Poland
- Headcount1,001–5,000
- GTM typeB2B
- OfferingServices
What PolCard does
PolCard, legally operating as Fiserv Polska S.A., is a Polish payment services provider and wholly-owned subsidiary of Fiserv, Inc. (NYSE: FISV). The company was originally established in 1992 as First Data Polska S.A. and merged with Fiserv Polska Sp. z o.o. in 2021 to consolidate Polish operations under the global Fiserv umbrella. PolCard offers a comprehensive payment acceptance platform organized around four core pillars: physical POS terminals (countertop, portable, and mobile variants), the PolCard Go SoftPOS Android application (Visa/Mastercard-certified, with PIN on Glass), an online payment gateway for e-commerce (with plugins for WooCommerce, PrestaShop, and Magento), and unattended self-service terminals. The platform is extended by over 40 value-added services including cashback, cash-to-card deposits (Wpłata na kartę), DCC for 41 currencies, fleet card acceptance, gift cards, loyalty, tokenization, E2EE/P2PE encryption, recurring payments, one-click payments, and an express loan product based on terminal turnover (Szybka Pożyczka). Reporting and analytics are centralized in OnePortal24, a web and Android reporting platform with multi-factor authentication.
The company serves both Polish SMBs and large enterprise / public sector clients across retail, convenience (notably Żabka with 9,000+ stores), HORECA, hotels, pharmacies, transport and logistics, and public administration (including the City of Wrocław smart city project with 3,300 validators). Go-to-market combines a direct sales force for enterprise accounts, a multi-tier partner ecosystem (ISO partners, lead-based partners, payment facilitators, technical integrators), and self-service online ordering for SMBs. Pricing is transaction-based (e-commerce fees starting at 0.99% per transaction) and subscription-based (terminal rental, SoftPOS monthly fee), with aggressive customer-acquisition offers such as the first terminal at 0 PLN and a switching offer at 1 PLN/month.
The business is regulated as a national payment institution under the Polish Payment Services Act, PCI DSS compliant, and operates entirely within Poland with no disclosed international expansion. There are no AI/ML capabilities disclosed in the product portfolio; technology is built on conventional payment industry standards including Visa/Mastercard certifications, tokenization, and PSD2-compliant 3D Secure.
PolCard firmographics
Firmographics- Name
- PolCard
- Legal name
- Fiserv Polska S.A.
- Website
- https://polcard.pl
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- PolCard, a Fiserv subsidiary, provides card payment acceptance — POS terminals, SoftPOS, e-commerce gateway, and self-service terminals — plus 40+ value-added services to Polish SMBs, enterprise chains, and public sector clients across retail, HORECA, transport, and government.
- Ownership category
- akta.pro rank
PolCard industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Sales Financing (52222)
- SIC
- Functions Related To Depository Banking, Nec (6099), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB)
- akta.pro secondary industry
- Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)
Keywords
Where PolCard is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
PolCard business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Processing Fees: Commission on each card transaction processed through terminals or e-commerce gateway. E-commerce pricing starts from 0.99% per transaction.
- Terminal Leasing/Rental: Monthly rental fees for payment terminals. First terminal available from 0 PLN. Enterprise terminals from 1 PLN/month.
- PolCard Go Subscription: Monthly subscription for softPOS mobile application. Free for merchants without terminals under Polska Bezgotówkowa program.
- Additional Services: Fees for additional services including cashback, phone top-ups, DCC, insurance financing, fleet cards
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | E-commerce package: 0 PLN activation, 0 PLN subscription, 0.99% per transaction |
| Subscription | Monthly | First terminal: 0 PLN for SMB customers |
| Subscription | Monthly | Switch offer: Terminal from 1 PLN/month for competitors' customers |
| Subscription | Monthly | PolCard Go mobile app: Monthly subscription (free under Polska Bezgotówkowa) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
PolCard product offering
Product offeringCore offering
PolCard provides cashless payment acceptance solutions to Polish businesses, including physical POS terminals (countertop, portable, mobile, PINpads), a SoftPOS mobile application (PolCard Go) that turns smartphones into payment terminals, an online payment gateway for e-commerce, and unattended self-service terminals. The portfolio is complemented by a OnePortal24 reporting platform and over 40 additional services such as cashback, cash-to-card deposit, DCC, tokenization, and express merchant loans.
Product overview
PolCard from Fiserv is a comprehensive payment solutions provider offering a platform-plus-modules product architecture organized around four core pillars: card payment terminals (POS terminals in stationary, portable, and mobile variants), PolCard Go SoftPOS (which turns Android smartphones into mobile payment terminals), e-commerce/online payment solutions (comprising a payment gateway, link generator, and QR code payments), and self-service unattended terminals. These core pillars are supplemented by a suite of over 40 additional services covering cash management (cashback, cash deposits, phone top-ups), currency conversion (DCC/eDCC), financing (express loans, installment payments), security (tokenization, E2EE/P2PE encryption), industry-specific solutions (hotel services, fleet cards, public transport), loyalty (gift cards, loyalty programs), and reporting/analytics (OnePortal24). The entire portfolio is managed through the OnePortal24 web/mobile reporting platform. PolCard serves SMEs, large corporate networks, public administration, and transport operators. The company has been operating in Poland for over 30 years and is owned by Fiserv Polska S.A.
Differentiator
Problem solved
Functional benefit
Brands
- PolCard Go: Softpos application that transforms smartphones and tablets into mobile payment terminals for accepting contactless card payments.
- OnePortal24
Products and services
- Card Payment Terminals (POS) Physical point-of-sale (POS) card payment terminals in stationary, portable, and mobile variants, including countertop terminals (Desk 3200), PINpads integrated with cash register systems (Lane 3000 Smart, 7000 Smart), and wireless mobile terminals (Move 3500). Supports all major card networks (Visa, Mastercard, Amex, Diners, JCB) and contactless, PIN, and mobile payment methods.
- PolCard Go (SoftPOS) Visa- and Mastercard-certified SoftPOS application that turns Android smartphones and tablets into mobile payment terminals, enabling contactless card payments, mobile wallet payments, and smartwatch payments via PIN on Glass technology. Available for both small businesses (standalone) and network/corporate clients (with app2app integration).
- E-commerce Online Payment Solutions Online payment system for e-commerce merchants comprising a payment gateway, payment link generator, and QR code payments. Supports all major payment methods including cards, BLIK, Apple Pay, Google Pay, Visa Mobile, and fast bank transfers. Commission from 0.99% per transaction with no activation or subscription fees.
- Self-Service Payment Terminals Unattended payment terminals enabling 24/7 self-service cashless transactions without staff presence. Applied in vending machines, parking meters, fuel dispensers, public transport ticket machines, car washes, public administration, donation boxes, and parcel lockers. Support contactless card, mobile wallet, and wearable device payments.
- OnePortal24 Reporting Platform Web-based and Android mobile reporting platform providing real-time access to transaction authorization data, financial settlements, invoicing, and periodic financial reports. Features multi-factor authentication (SMS, Google Authenticator, WebAuthn biometric/hardware key) and configurable user permission profiles. Accessible 24/7.
- Corporate and Chain Solutions Comprehensive payment solutions tailored for large retail chains, corporate networks, and franchise operations. Includes multi-functional PINpads, SoftPOS for network clients with app2app integration, E2EE and P2PE encryption, tokenization, self-service solutions, e-commerce and m-commerce, and the Open Payment System for public transport.
Quantifiable outcome
- Processing millions of transactions daily for tens of thousands of businesses
- +2 more outcomes
Companies that use PolCard
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
PolCard technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature6 records
PolCard partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core, flagship and minor.
- Żabka PolskacoreStrategic technology partnership since 2016. Implemented payment infrastructure in over 9000 stores including Ingenico Lane 7000 PIN pads and Żappka Pay contactless payment service. Also enabled 'Wpłacaj na kartę' cash deposit service allowing customers to deposit cash to bank accounts at stores.
- MastercardcorePartnership for card acceptance and co-development of services like 'Wpłacaj na kartę' (cash deposit to card). PolCard Go certified by Mastercard.
- VisacoreVisa certification for PolCard Go softPOS application. Partnership for card acceptance and payment processing.
- City of WrocławflagshipSmart city project implementing 3300 electronic validators for urban transport payments, transforming Wrocław into a smart city.
- Izba Gospodarcza Hotelarstwa PolskiegominorCooperation with Polish Chamber of Hotel Industry for hotel payment solutions marketing and promotion.
- System Integration Partners (200+)coreReady integrations with over 200 cash register systems and popular e-commerce platforms including Aclas, Datecs, eData, Elzab, Novitus, Posnet for POS terminals, and WooCommerce, Prestashop, Magento for e-commerce.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
PolCard competitors and assessment
Company assessmentBroad incumbents
- Stripe: Global online payment processing platform with growing Polish developer mindshare; competes with PolCard's e-commerce gateway and WooCommerce/PrestaShop integrations for digital-first SMB merchants.
- Worldline: Largest European-based payment processor, owner of Polish acquirer eService; competes with PolCard across the full acquisition stack as a broader incumbent with global reach.
- Nexi: Pan-European payments and merchant services group (post-merger with Nets and SIA); competes with PolCard as a large acquirer pursuing consolidation of European merchant acquiring.
- Block (Square): Global mPOS/SoftPOS pioneer; competes with PolCard's PolCard Go offering and broader SMB merchant services on ubiquitous recognition, ease-of-use, and integrated software-plus-payments stack.
- Adyen: Global unified commerce acquiring platform increasingly used by Polish and CEE merchants for online and omnichannel card acceptance; competes with PolCard on Polish enterprise accounts that require international commerce rails.
Direct peers
- PayU: Major Polish payment gateway and merchant acquirer. Operates Przelewy24 after acquisition; offers card acquiring, online checkout and APM rails across the same Polish SMB and enterprise segments that PolCard targets.
- SumUp: European mPOS/SoftPOS-native acquirer operating in Poland; competes most directly with PolCard's PolCard Go SoftPOS offering for small merchants and micro-businesses.
- eService (Worldline): Polish merchant acquirer and payment processor owned by Worldline; provides POS terminals, e-commerce acquiring and value-added services to Polish merchants. Direct overlap with PolCard's terminal, gateway and SMB acquiring franchises.
- Teya (formerly Global Payments Europe): European payment technology and merchant services provider operating in Poland under the Teya brand (successor to Global Payments' European SMB business); competes head-to-head with PolCard on payment terminals and integrated merchant software.
- Elavon: U.S. Bancorp subsidiary and global merchant acquirer with active Polish operations; competes with PolCard across multi-channel card acceptance and gateway services for enterprise Polish merchants.
Market position
Strengths4 records
Weaknesses3 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
PolCard social profiles
Digital presencePolCard compliance and trust
Trust signalCompliance2 records
PolCard financial estimates
Financial estimateRevenue estimate
Valuation estimate
PolCard leadership team
Management profileNumber of profiles
Profiles5 records
PolCard funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PolCard 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 PolCard
What does PolCard do?
PolCard provides cashless payment acceptance solutions to Polish businesses, including physical POS terminals (countertop, portable, mobile, PINpads), a SoftPOS mobile application (PolCard Go) that turns smartphones into payment terminals, an online payment gateway for e-commerce, and unattended self-service terminals. The portfolio is complemented by a OnePortal24 reporting platform and over 40 additional services such as cashback, cash-to-card deposit, DCC, tokenization, and express merchant loans.
Is PolCard a public or private company?
PolCard is a private company. It is classified as corporate owned and is currently operating.
When was PolCard founded?
PolCard was founded in 1992. It employs 1,001 to 5,000 people.
Where is PolCard based?
PolCard is headquartered in Warsaw, Poland, in the Europe region.
How does PolCard make money?
Four revenue lines are on record. Transaction Processing Fees are the primary driver. The others are terminal Leasing/Rental, polCard Go Subscription and additional Services.
Who are PolCard's main competitors?
Broad incumbents on record are Stripe, Worldline, Nexi, Block (Square) and Adyen. Direct peers are PayU, SumUp, eService (Worldline), Teya (formerly Global Payments Europe) and Elavon.
Does PolCard have an API?
Yes. Intuitive API with documentation available for customers requiring custom payment solutions. The e-commerce page states: 'Udostępniamy dokumentację oraz przejrzyste i łatwe w użyciu API dla klientów wymagających niestandardowych rozwiązań.' API supports custom e-commerce integrations. Additionally, app-to-app (app2app) protocol integration is available for embedding PolCard Go into third-party business applications.
What industry is PolCard in?
PolCard's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMADAB, mPOS & SoftPOS (Tap-to-Phone) Solutions, with a secondary code of FSAMACAE, Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods). Its NAICS code is 52222 and its SIC code is 6099.