Autopay SA

What Autopay SA does

Autopay SA is a Polish fintech company founded in 1999 and headquartered in Sopot, Poland, operating as a regulated national payment institution supervised by the Polish Financial Supervision Authority. The company specializes in recurring payment infrastructure, with a platform-plus-modules architecture built on direct Account-to-Account (A2A) rails it has operated since 2011 — making it among the world's first providers of instant transfers. Its ecosystem comprises the Recurring Payments Orchestrator serving 50,000+ merchants and 300+ large partners across Banking, Insurance, and Telco; HandGo palm-biometric authentication terminals for in-person commerce; a Recurring Consumer App serving 3,000,000 users with a unified identity for tolls, parking, and subscriptions; and Autopay Mobility for fleet and transportation payments. More than 50% of transactions flow through recurring payment models, and the company holds PCI DSS and PCI 3DS certifications while positioning ahead of SEPA Instant mandates and MiCA stablecoin frameworks.

The company processes more than 1 billion transactions annually across 8+ European countries, generating PLN 1.21 billion (~EUR 280 million) in FY2024 revenue, up 7.3% year-on-year. Revenue is primarily transaction-fee-based, monetizing recurring payment orchestration for enterprise partners and merchant payment infrastructure services. Distribution combines direct enterprise sales for large partners, API-based integration for mid-market merchants, self-serve consumer app distribution, and physical terminal deployment through HandGo. AI is embedded across operations for fraud prevention, transaction acceleration, and biometric authentication, with voice payments and autonomous AI agents under development.

The go-to-market is a hybrid B2B2C and B2B model: enterprise sales to large Banking/Insurance/Telco partners power recurring revenue, while API integrations serve the long tail of 50,000+ merchants. Geographic expansion is in progress with new offices opened in São Paulo, Singapore, Madrid, and Milan in 2026, and planned hubs in Abu Dhabi and Riyadh targeting a footprint across LATAM, APAC, Southern Europe, and GCC. A core-tiers partnership with Google was secured in mid-2026, placing Autopay alongside Visa, Checkout.com, and Adyen in the Google Wallet and Google Pay Secure Payment Authentication rollout in the UK and Poland. Autopay is privately held, has no disclosed institutional funding rounds, and finances international expansion from domestic profits while remaining open to strategic partners.

Name

Autopay SA

Legal name

Autopay S.A.

Website

https://autopayholding.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Short description

Autopay SA is a Polish fintech founded in 1999 operating regulated recurring payment infrastructure on direct A2A rails, serving 300+ enterprise partners in Banking/Insurance/Telco, 50,000+ merchants, and 3 million consumer app users across Europe and expanding internationally.

Ownership category

akta.pro rank

Product category

Payment Infrastructure

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Recurring Billing & AutoPay Management (FSAMAJAE)

Keywords

• Recurring payments infrastructure
• Payment orchestration software
• Account-to-account transfers
• Biometric payment terminals
• Merchant payment processing

Headquarters

HQ city

Sopot

HQ country

Poland

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Recurring Transaction Processing: Autopay generates revenue by processing recurring transactions for merchants across Banking, Insurance, Telco, and E-commerce sectors. The platform handles subscription economy payments with more than 50% of transactions being recurring payment models.
2. Payment Infrastructure Services: Provides payment orchestration, routing, and lifecycle management infrastructure to 50,000+ merchants, charging transaction-based fees for processing services.
3. Foreign Product Exports: International expansion through Autopay Mobility subsidiary driving foreign revenue, with exports reaching PLN 13.62 million (61% YoY increase).

Go-to-market motion3 records

Distribution channels4 records

Marketing channels3 records

Core offering

Autopay is a Polish fintech that builds and operates recurring payments infrastructure for businesses and individual clients. Its core offerings include a Recurring Payments Orchestrator serving 50,000+ merchants, HandGo biometric payment terminals, the Recurring Consumer App used by 3,000,000 people for tolls, parking and subscriptions, and specialized payments for fleets via the Autopay Mobility subsidiary. The platform runs on direct Account-to-Account rails introduced in 2011 and is positioned for the €1.2T subscription economy, with more than 50% of transactions being recurring.

Product overview

Autopay is a platform-plus-modules architecture providing European infrastructure for recurring payments. The ecosystem consists of: (1) Recurring Payments Orchestrator for merchant payment orchestration and routing, (2) HandGo biometric terminals for in-person payments, (3) Recurring Consumer App serving 3M users for tolls/parking/subscriptions, (4) Payments for Fintech/E-comm/Telco serving 300+ partners, and (5) Payments for Fleets via Autopay Mobility subsidiary. The company processes over 1 billion transactions annually across 8+ European countries, operating direct A2A rails since 2011 and expanding internationally into LATAM, APAC, and GCC markets.

Differentiator

Problem solved

Functional benefit

Brands

• HandGo: Palm-biometric authentication payment terminals for frictionless commerce
• Recurring Payments Orchestrator
• Recurring Consumer App
• Zero Delay Economy

Products and services

• Recurring Payments Orchestrator Infrastructure platform for 50,000+ merchants enabling e-commerce payment orchestration, routing and lifecycle management for high-volume, multi-market recurring payment operations.
• HandGo Biometric Payment Terminals Biometric payment terminals using palm-recognition technology for frictionless in-person commerce transactions, deployed with merchants and fleet operators.
• Recurring Consumer App Unified mobile application serving 3,000,000 users with a single identity for managing recurring payments including tolls, parking and subscriptions.
• Payments for Fintech, E-commerce and Telco Recurring transaction infrastructure for 300+ large partners across Banking, Insurance and Telco, handling high-volume digital goods and services payments including eSIMs, e-tickets and utility bills.
• Payments for Fleets Specialized recurring payment solutions for fleet management delivered by the Autopay Mobility subsidiary, covering fuel, tolls and parking for fleet operators.

Quantifiable outcome

• Processing 1B+ transactions annually at scale
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability7 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• Google (Google Wallet/Google Pay)coreTechnology or Integration · 4 June 2026Autopay is a payment partner in Google's expanded Google Wallet and Google Pay rollout, including the new Secure Payment Authentication feature rolling out in the UK and Poland. Autopay is one of four payment processors (alongside Visa, Checkout.com, and Adyen) integrated into Google's updated payment infrastructure.
• VisacoreTechnology or IntegrationVisa is a payment network partner in Google's updated Secure Payment Authentication feature rolling out with Autopay, Checkout.com, and Adyen in the UK and Poland.
• AdyencoreTechnology or IntegrationAdyen is a payment partner in Google's expanded Google Pay direct checkout functionality alongside Autopay, Visa, and Checkout.com, with rollout in UK and Poland.
• Checkout.comcoreTechnology or IntegrationCheckout.com is a payment processing partner in Google's Google Wallet expansion, working alongside Autopay, Visa, and Adyen for the Secure Payment Authentication feature.
• AirwallexcoreTechnology or IntegrationAirwallex is a launch partner for Google's new direct checkout functionality in Google Pay, with plans to expand to Adyen and other global partners including Autopay.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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 Autopay SA