Polskie ePłatności

What Polskie ePłatności does

Polskie ePłatności sp. z o.o. (PeP) is a Polish payment processor and payment technology company founded in 2010 and headquartered in Rzeszów, Poland. Operating as a subsidiary of Nexi Group since 2021, PeP is ranked the #2 payment processor in the Polish market, serving more than 120,000 merchants with a deployed base of 271,000 payment terminals processing over 7 million card transactions daily. The company's group structure includes BillBird and the acquired Team4U (Simapka), collectively employing 700+ specialists across offices in Warszawa, Kraków, Poznań, Gdańsk, Katowice, and Rzeszów.

PeP's core technology stack is built on Android-based payment terminals from vendors including Ingenico, Verifone, PAX, Newland, and Sunmi, complemented by SoftPOS technology (PepPay, licensed from Softpay.io) that turns NFC-enabled smartphones and iPhones into payment acceptance devices. The portfolio extends well beyond acceptance into an integrated ecosystem of value-added services: ALL-in-One Kasoterminal (combining payment terminal, virtual fiscal cash register, and POS), ONEcommerce (bundled with Przelewy24 online gateway), BNPL/installment payments, Moja Pożyczka business loans (scored on terminal transaction history), PeP Loyalty Club white-label platform, PeP Store multi-service retail hub, Moje Faktury KSeF-compliant invoicing (built on Firmao), and VendSystem telemetry for unattended/self-service devices. The platform integrates with 70+ Polish POS and fiscal cash register vendors including Comarch, POSbistro, ELZAB, NOVITUS, POSNET, FAREX, DATECS, Aclas, and Netis.

The business model combines transaction-based fees (0.5-1% commission on card payments), recurring terminal rental subscriptions (1-29 PLN/month), freemium onboarding via the Polska Bezgotówkowa government program (free terminal for 12 months for new merchants), and outcome-based pricing on lending products. Go-to-market is omnichannel: a self-serve website (pep.pl) with 3-minute callback, regional field sales advisors, channel partnerships with 70+ integrators and Alior Bank, and event-driven brand activation (Open'er Festival). PeP's market position is anchored on its domestic scale, regulator-aligned certifications (PCI DSS, GUM-certified fiscal cash registers), and the technology and capital backing of Nexi Group spanning 25 European countries.

Name

Polskie ePłatności

Legal name

Polskie ePłatności sp. z o.o.

Website

https://pep.pl

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Polskie ePłatności (PeP) is the #2 payment processor in Poland, serving 120,000+ merchants with 271,000 payment terminals and 7M+ daily transactions. A Nexi Group subsidiary, it offers Android terminals, SoftPOS, BNPL, business loans, loyalty, and invoicing across SMB verticals.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

akta.pro secondary industries

mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB), International / Cross-Border BNPL & Multi-Currency POS Financing (FSAGAIAN)

Keywords

• Payment processing
• Payment terminals
• Merchant services
• Softpos solutions
• BNPL financing

Headquarters

HQ city

Jasionka

HQ country

Poland

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment transaction fees: PeP charges merchants a transaction fee (commission) on each card payment processed. Standard commission rates reportedly range from 0.5% to 1% per transaction, with promotional rates of 1% for online transactions under ONEcommerce. After the free period (Polska Bezgotówkowa), standard transaction fees apply.
2. Terminal leasing/rental: Merchants pay a monthly rental fee for payment terminals after the promotional period. Prices start from 1 PLN net/month for basic terminals (e.g., Ingenico Desk 3500), with premium models costing more. Terminal purchase is also an option (600 PLN to several thousand PLN).
3. Online payment gateway (ONEcommerce): Combined terminal plus online payment gateway package. Online transaction fees at 1% + 1 PLN per transaction, with the terminal provided at 1 PLN. Separate invoices from Polskie ePłatności and Przelewy24.
4. Self-service solutions and vending integrations: Revenue from integrating payment terminals into self-service devices (vending machines, car washes, fuel stations, entertainment machines) and telemetry platforms (VendSystem).
5. Value-added services on terminal: Additional services bundled with the terminal generate revenue: cashback, phone top-ups, SIM card sales, gift cards, loyalty programs, BNPL financing, Moja Pożyczka, invoice management (Moje Faktury), insurance, and more.
6. SoftPOS subscription: After the 12-month free period via Polska Bezgotówkowa, SoftPOS monthly subscription is 4.99 PLN/month plus standard transaction commissions (0.69-1.29% per card transaction).

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels10 records

Core offering

Polskie ePłatności (PeP) is a Polish payment processor and merchant acquirer providing card acceptance infrastructure and related financial services. The company supplies payment terminals, SoftPOS mobile acceptance (PepPay), self-service kiosks, payment gateways, and value-added services such as BNPL, business lending, e-invoicing, and loyalty programs to merchants across Poland.

Product overview

Polskie ePłatności (PeP) operates as a multi-product payment technology company and payment processor, offering a layered portfolio anchored by physical payment terminals (POS terminals, Android SmartPOS, and SoftPOS). The core terminal fleet spans stationary, mobile, and Android-based devices from vendors including Ingenico, PAX, Verifone, Newland, and Sunmi. Adjacent to terminals, PeP offers the PepPay SoftPOS app (powered by Softpay.io) for Android phones and Tap to Pay on iPhone, enabling contactless acceptance without dedicated hardware. The ONEcommerce platform bundles PeP terminals with the Przelewy24 online payment gateway for omnichannel merchants. The All-in-One (Kasoterminal) line combines terminal + virtual fiscal cash register + POS system (POSbistro, xKasa, GoRest) in a single device. PeP extends its terminal ecosystem with over 20 value-added services including Moja Pożyczka (business loans), BNPL/installment payments, Moje Faktury (KSeF-compliant invoicing built on Firmao), PeP Loyalty Club (white-label loyalty app builder), PeP Store (multi-service retail hub for parcel delivery, bill pay, phone top-ups, gift cards), and VendSystem telemetry for self-service devices. The company participates in the Polska Bezgotówkowa government program providing free terminals for 12 months. All products are integrated with fiscal cash registers (ELZAB, NOVITUS, POSNET, FAREX, DATECS, Aclas) and POS systems (Comarch, KASNET, PC-MARKET, CorePOS, POSbistro, Netis, Insoft). PeP is a member of the Nexi Group.

Differentiator

Problem solved

Functional benefit

Brands

• PeP Store: Modern system for shops and service points offering a wide range of services including package delivery, bill payments, phone top-ups, gift cards, and more.
• PeP Loyalty Club
• PepPay
• Moja Pożyczka
• Moje Faktury

Products and services

• Terminale płatnicze (Payment Terminals)
• PepPay (SoftPOS)
• Tap to Pay on iPhone
• ONEcommerce
• Rozwiązania samoobsługowe (Self-Service Solutions)
• Terminale All in One (Kasoterminal)
• Płatności odroczone i raty (BNPL)
• Moje Faktury
• Moja Pożyczka
• PeP Store (formerly Simapka)
• PeP Loyalty Club
• Polska Bezgotówkowa (Free Terminal Program)

Quantifiable outcome

• Merchants accepting card payments can see up to 20% more customers (internal PeP data, March 2026)
• +3 more outcomes

Named customers3 records

Segments9 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Newland Payment Technology (NPT)coreTechnology or Integration · 25 June 2026Newland Payment Technology partnered with Polskie ePłatności to deploy the Newland N950K Android SmartPOS terminal across Poland. This is Newland's first entry into the Polish payments market. The N950K combines touchscreen and keypad functionality with integrated printing, supporting contactless, smart card, and magnetic stripe acceptance. PeP identified Poland as a highly advanced contactless environment where 97.7% of payment cards were contactless as of June 2025.
• Grupa Kapitałowa SPECJAŁcoreStrategic or Co-development PartnerPolskie ePłatności and Grupa Kapitałowa SPECJAŁ entered into a strategic partnership aimed at technological modernization of traditional trade. Grupa Specjał is a major wholesale food distribution group, and the partnership brings PeP's payment solutions to Specjał's extensive retail network.
• Team4U Sp. z o.o. (Simapka)minorStrategic or Co-development PartnerPolskie ePłatności acquired a majority stake in Team4U Sp. z o.o., owner of the Simapka mobile application, as part of its expansion within the Nexi Group. The acquisition aimed to enhance PeP's technological offerings and diversify services to clients.
• Przelewy24coreTechnology or IntegrationONEcommerce is a joint offering combining Polskie ePłatności's physical payment terminal with Przelewy24's online payment gateway. Both are part of the Nexi Group in Poland. This enables merchants to accept both offline and online payments through a single partnership with unified reporting.
• Alior BankcoreGTM or Marketing PartnerPolskie ePłatności and Alior Bank jointly offer a bundled solution targeting businesses not qualifying for the Polska Bezgotówkowa program. The offer combines Alior Bank's Rachunek 4x4 business account (with optional packages: Krajowy, Gotówkowy, Zagraniczny, Oszczędny) with PeP's payment terminals starting from 29 PLN net/month. Both partners cross-sell to each other's customer bases.
• Softpay.iocoreTechnology or IntegrationThe PepPay mobile application (SoftPOS) is developed by Softpay.io. The app is based on proven SoftPOS technology used across multiple European countries (Austria, Belgium, Croatia, Czech Republic, France, Spain, Netherlands, Ireland, Germany, Portugal, Romania, Slovakia, Hungary, UK). Softpay.io provides the technology while PeP acts as the merchant-facing provider and acquirer.
• Fundacja Polska Bezgotówkowa (Polish Cashless Foundation)coreStrategic or Co-development PartnerPolska Bezgotówkowa is a nationwide initiative backed by the Polish Bank Association (Związek Banków Polskich), the Ministry of Entrepreneurship and Technology, acquirers, Mastercard, and Visa. PeP participates as an acquiring agent, offering free terminals to qualifying new merchants. The program covers 12 months of free terminal rental and zero commission up to 100,000 PLN turnover.
• POSbistrocoreTechnology or IntegrationPOSbistro provides the POS (point-of-sale) system and POSfiscal virtual cash register integrated into PeP's All-in-One terminals. The partnership provides restaurant, hospitality, and retail businesses with a complete 3-in-1 solution (payments, fiscal register, POS) on Android devices.
• VisacoreTechnology or IntegrationVisa supports PeP's payment acceptance ecosystem, including the Tap to Pay on iPhone feature and the Polska Bezgotówkowa program. PeP terminals accept Visa, Visa Electron, and Visa Mobile payment cards.
• MastercardcoreTechnology or IntegrationMastercard supports PeP's acceptance network and SoftPOS (PepPay) certification. PeP terminals accept all Mastercard cards. PeP's SoftPOS solution is certified by Mastercard as a secure payment acceptance method.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Worldline: Worldline is a major European payment processor and acquirer operating across multiple verticals. Comparable in offering merchant acquiring, terminal management, and value-added services, and overlaps with PeP at the parent-group level as a fellow European PayTech giant.
• Adyen: Adyen is a global payment processor offering unified online, mobile, and in-person payment acceptance to enterprise merchants. Comparable in providing omnichannel payment infrastructure and processing scale, though Adyen focuses on enterprise rather than PeP's SMB core.
• Stripe: Stripe is a global payment processing platform serving internet businesses with online and increasingly in-person (Stripe Terminal) acceptance. Comparable in offering developer-friendly payment infrastructure and growing Polish merchant share, with broader international reach but lighter SMB physical-terminal presence than PeP.
• Verifone: Verifone is a global provider of payment terminals and POS hardware/software, supplying devices that PeP itself deploys. Comparable as a payment acceptance infrastructure player, though Verifone operates primarily as a hardware/OS provider rather than an acquirer/processor.
• Przelewy24: Przelewy24 is a leading Polish online payment gateway and a sister company to PeP under Nexi Group. Comparable in serving the same Polish merchant base with payment acceptance, but focused on online/e-commerce while PeP leads physical terminal acceptance; the ONEcommerce bundle explicitly combines the two.

Direct peers

• PayU: PayU is one of the largest payment processors in Poland (and broader CEE) and a direct competitor to PeP for both online and in-person card acceptance. Comparable product portfolio spanning gateway, POS, BNPL (PayU Pay), and merchant financing, serving the same Polish SMB customer base.
• Tpay: Tpay is a Polish online and mobile payment processor owned by BNP Paribas, serving Polish merchants with payment gateway, BLIK, card acceptance, and recurring billing. Comparable in targeting Polish SMBs with digital-first payment infrastructure, though more online-weighted than PeP.
• SumUp: SumUp is a European payment processor specializing in mPOS and SoftPOS solutions for SMBs, with significant presence in Poland. Directly competes with PeP's PepPay SoftPOS and entry-level terminal offerings, with a comparable freemium onboarding model and similar SMB target customer.
• Autopay (formerly BlueMedia): Autopay is a Polish payment services provider offering online and in-person payment acceptance, including self-service and mobility segments. Directly comparable to PeP in the Polish market, with overlap in unattended/self-service terminal deployments and e-commerce.
• Polski Standard Płatności (PSP): PSP is a major Polish payment processor and acquirer offering card acceptance, e-commerce, and mobile payments to Polish merchants. Directly comparable to PeP in terminal deployment, acquiring services, and SMB-focused value-added offerings in the Polish market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/pepplatnosci
• YouTubeyoutube.com/channel/UCltV9NS4b0iySyPBEpm_FJA
• Facebookfacebook.com/polskieeplatnosci
• LinkedInlinkedin.com/company/polskie-ep-atno-ci-s-a-
• Instagraminstagram.com/polskie_eplatnosci
• TikToktiktok.com/@polskieeplatnosci

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A4 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Polskie ePłatności