PayTel
PayTel is a Polish payment services provider owned by Portugal's SIBS Group, operating 80,000 POS terminals, SoftPOS, and SIBS Gateway eCommerce solutions for ~70,000 SMEs across Poland.
- Company typePrivate
- Founded2003
- HeadquartersWarsaw, Poland
- Headcount251–500
- GTM typeB2B
- OfferingServices
What PayTel does
PayTel S.A. is a Warsaw-headquartered payment services provider operating as a Krajowa Instytucja Płatnicza (Polish National Payment Institution) under KNF supervision, wholly owned by Portugal's SIBS Group since June 2021. Founded in 2003, the company processes card-present and card-not-present transactions across an installed base of approximately 80,000 terminals serving roughly 70,000 Polish small and medium enterprises, with 12 million monthly transactions flowing through its network.
The product portfolio spans three layers: physical and software payment acceptance (Ingenico POS terminals, Android-based SmartPOS NexGo N3, and the LightPOS SoftPOS app that turns any NFC-enabled Android 6.0+ device into a contactless terminal); an eCommerce gateway stack (SIBS Gateway supporting 30+ payment methods including BLIK, Visa, Mastercard, Apple Pay, Google Pay, and pay-by-link, plus the Link to Pay payment-link generator); and value-added services including PayTel Connect (award-winning wireless cloud integration of terminals with fiscal cash registers, first-in-Poland BLIK on NOVITUS fiscal registers), DCC, eFlota fleet cards, eVoucher top-ups, eBill payments, BNPL via Comfino, and embedded SME financing via Brutto.
Revenue is generated primarily through transaction processing fees and interchange, terminal rental subscriptions (Ingenico Lane 3000 from 1 PLN/month), SoftPOS subscriptions (Nest POS at 5.99 PLN/month via white-label with Nest Bank), and VAS commissions (eCommerce at 0.8% per transaction). Distribution combines direct online self-service (wybierzterminal.pl), bank reseller partnerships (Nest Bank, Bank Millennium, Bank Spółdzielczy Rzemiosła), the government-backed Polska Bezgotówkowa free-terminal program (where PayTel holds 14-15% sales share), regional dealers, and an eCommerce partner program. The company operates exclusively in Poland with parent-level European ambitions through SIBS Group.
PayTel firmographics
Firmographics- Name
- PayTel
- Legal name
- PayTel SA
- Website
- https://paytel.pl
- Company type
- Private
- Founded year
- 2003
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- PayTel is a Polish payment services provider owned by Portugal's SIBS Group, operating 80,000 POS terminals, SoftPOS, and SIBS Gateway eCommerce solutions for ~70,000 SMEs across Poland.
- Ownership category
- akta.pro rank
PayTel industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)
- akta.pro secondary industries
- mPOS & SoftPOS (Tap-to-Phone) Solutions (FSAMADAB), Carrier Billing & Telco Mobile Money (FSAMAEAD), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where PayTel is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
PayTel business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Transaction Processing Fees: PayTel earns interchange and processing fees on each card transaction processed through its terminal network. Merchants pay a percentage fee per transaction for accepting card payments.
- Terminal Rental/Lease: Monthly rental fees for payment terminals. The Ingenico Lane 3000 is available from 1 PLN/month for businesses with existing terminals from other operators.
- eCommerce Gateway Fees: Commission fee of 0.8% per transaction for online payments processed through SIBS Gateway payment gateway.
- Added-value Services: Additional revenue from services including DCC (dynamic currency conversion for foreign customers), eVoucher mobile top-ups, eBill invoice payments, eFlota fleet cards, and BNPL/installment payments via Comfino partnership.
- SoftPOS Subscription: Monthly subscription for LightPOS/SoftPOS application. Nest POS costs 5.99 PLN/month after initial free period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Ingenico Lane 3000 PIN Pad from 1 PLN/month |
| Transaction based/ take rate | Pay-as-you-go | eCommerce - 0.8% commission per transaction |
| Subscription | Monthly | Nest POS SoftPOS - 5.99 PLN/month after free period |
| Freemium | Annual | Polska Bezgotówkowa Program - Free terminal for 12 months |
| Freemium | Pay-as-you-go | Link to Pay - No fees |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels8 records
PayTel product offering
Product offeringCore offering
PayTel is a Polish licensed payment institution (Krajowa Instytucja Płatnicza) that provides merchants with payment acceptance infrastructure and value-added services. Its core offering spans traditional stationary and mobile POS terminals (Ingenico Lane/3000 and Move/2500), the Android-based SmartPOS NexGo N3, the PayTel LightPOS SoftPOS application that turns any NFC Android phone or tablet into a contactless terminal, and the SIBS Gateway eCommerce payment gateway supporting 30+ payment methods. Complementary services include PayTel Connect (cloud wireless terminal-to-fiscal-cash-register integration), DCC, eFlota fleet cards, BLIK payments, eVoucher top-ups, eBill payments, Comfino BNPL, and Brutto business financing.
Product overview
PayTel operates as a comprehensive omnichannel payment solutions provider with a multi-product portfolio comprising traditional POS terminals (stationary and mobile), Android-based SmartPOS devices, SoftPOS mobile applications, eCommerce payment gateways, and various value-added services. The core offering includes POS terminale (Ingenico hardware), SmartPOS NexGo N3, and PayTel LightPOS SoftPOS application for payment acceptance across all channels. Online payments are powered by SIBS Gateway and Link to Pay. PayTel Connect enables wireless terminal-fiscal register integration, while BLIK, DCC, eFlota, eVoucher, eBill, and Comfino deferred payments extend functionality. Business financing via Brutto and the Polska Bezgotówkowa program support merchant acquisition. The company, part of Portuguese SIBS Group since 2018, serves approximately 80,000 terminals processing 12 million monthly transactions with 47% annual growth.
Differentiator
Problem solved
Functional benefit
Brands
- PayTel LightPOS: Mobile application that transforms a phone or tablet into a payment terminal enabling contactless payments
- SmartPOS
- PayTel Connect
- eCommerce
- Link to Pay
- eFlota
- DCC
- Comfino
Products and services
- POS Terminale (Stacjonarne i Mobilne)
Quantifiable outcome
- 47% annual growth rate
- +6 more outcomes
Companies that use PayTel
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
PayTel technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
AI capability2 records
Feature7 records
PayTel partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core, strategic and supporting.
- Comfino (Grupa Comperia.pl)corePartnership to offer deferred and installment payments (BNPL) on PayTel Android terminals. Merchants can offer customers the ability to pay in installments or defer payments directly at payment terminals. Process takes a few minutes for customer verification and approval.
- HotrescoreHotres is a leading online booking system provider for hotels in Poland. SIBS Gateway payment gateway integrated directly with Hotres platform, enabling hotel owners to accept online payments without additional implementation costs.
- Bank MillenniumcoreBank Millennium partnership to deploy SIBS Gateway payment gateway for the bank, expanding digital payment services to bank's business customers.
- Kar-TelcorePayTel acquired Kar-Tel group (Kar-Tel sp. z o.o. and Kar-Tel sp. z o.o. sp. k), a leading provider of value-added services and products at points of sale using payment terminals. Acquisition expands PayTel portfolio with added-value services including mobile top-ups and bill payments.
- Nest BankcoreNest Bank white-labels PayTel LightPOS as Nest POS for their business customers. Bank customers can activate SoftPOS terminal on their Android devices through Nest Bank app for 5.99 PLN/month after free period.
- Aion Bank and VodenostrategicSIBS Group partnership with Aion Bank and Vodeno Cloud Platform for European expansion. Covers payment gateway, QR payments, softPOS, and BNPL products through Banking-as-a-Service model.
- COMP S.A. (Grupa COMP)coreJoint development with COMP S.A. (parent of Novitus, Elzab) enabling BLIK payments directly through Novitus online fiscal cash registers. First such solution in Poland, allowing merchants to accept BLIK without additional terminal hardware.
- OpenNet.plsupportingOpenNet.pl developed MobiCourier courier application integrated with PayTel LightPOS for PIN on Glass technology, enabling Allegro One Kurier couriers to accept contactless payments on delivery devices.
- Brutto (PragmaGo)coreEmbedded finance partnership providing PayTel merchants access to business loans up to 50,000 PLN for 12 months. Financing based on merchant transaction revenue levels, disbursed via express transfer with fully online process.
- DotykačkasupportingIntegration of PayTel payment terminals and PIN-pads with Dotykačka Android-based POS systems. Includes Desk3200, iCT220, Move/2500, and Lane3000 devices integrated with Dotykačka cash register tablets for automated sales processing.
- White Label CoderssupportingWordPress, WooCommerce, and web application development partner enabling clients to integrate PayTel payment solutions into their digital projects.
- Czek.itsupportingInteractive agency partner combining strategic consulting, graphic design, and software development for digital projects with integrated PayTel payment solutions.
- OtiumosupportingIT solutions provider for travel agencies, hotels, and service companies. Partnership enables easy payment integration in e-commerce and improved customer service.
- Fleet Card Issuers (DKV, UTA, Eurowag, E100)supportingeFlota service accepts fleet cards from multiple issuers: DKV (56,000 stations), UTA (30,000 stations), Eurowag, E100 (23 countries, 15,000 stations), enabling fuel and automotive service payments on PayTel terminals.
Scale indicators10 records
Recent moves2 records
Expansion highlights6 records
PayTel competitors and assessment
Company assessmentDirect peers
- PayU: PayU is Poland's leading online payment gateway and acquirer, part of the Prosus/PayU Group. Directly comparable as a Polish payment services provider offering card processing, eCommerce gateway, and merchant acquiring—competing head-to-head with PayTel's SIBS Gateway and POS terminal offerings across similar SME and enterprise segments.
- Polskie ePłatności (PEP): Polskie ePłatności is one of the largest independent payment processors in Poland, providing POS terminals, card processing, and eCommerce solutions. Directly competes with PayTel in Polish merchant acquiring, terminal deployment, and Polska Bezgotówkowa program participation.
- Tpay: Tpay is a Polish payment gateway (part of Blue Media) offering online card payments, BLIK, and merchant services. Comparable as a domestic eCommerce/SIBS Gateway competitor targeting Polish merchants with similar payment method coverage and integration approach.
- Przelewy24 (P24): Przelewy24 is a leading Polish online payment gateway (owned by PayU/Naspers) supporting BLIK, cards, and bank transfers. Directly competes with PayTel's SIBS Gateway in Polish eCommerce, offering similar payment method breadth to merchants and platform integrations.
- SumUp: SumUp is a European mPOS and SoftPOS provider offering card readers and mobile payment acceptance to micro-merchants and SMEs. Directly competes with PayTel LightPOS in the tap-to-phone and small-merchant terminal segment, with stronger pan-European brand recognition.
Broad incumbents
- Worldline: Worldline is a European payment acquirer and Ingenico terminal manufacturer offering merchant services, terminal hardware, and payment processing at pan-European scale. Competes broadly with PayTel in Polish acquiring and through Ingenico hardware deployed at PayTel merchants.
- Nexi: Nexi (formerly Nets) is a leading European payment technology and merchant acquiring group. Comparable as a broad incumbent acquirer with multi-country European footprint and integrated terminal/software solutions competing with PayTel's full-stack Polish offering.
- Adyen: Adyen is a global payment platform offering unified online, mobile, and in-store payment processing to enterprise merchants. Comparable as a broad incumbent competing with SIBS Gateway in Polish eCommerce and with PayTel's omnichannel value proposition for larger merchants.
- Stripe: Stripe is a global online payment infrastructure provider increasingly expanding into in-person payments and European markets. Comparable as a broad incumbent competing with PayTel's SIBS Gateway in Polish eCommerce, with strong developer appeal and broader payment method coverage.
Others
- Verifone: Verifone is a global payment terminal hardware manufacturer whose devices are deployed in Polish retail and hospitality. Comparable as the upstream hardware ecosystem participant—competing with NexGo (PayTel's SmartPOS supplier) and Ingenico terminals used in PayTel's fleet.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
PayTel social profiles
Digital presencePayTel compliance and trust
Trust signalCompliance6 records
PayTel financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayTel leadership team
Management profileNumber of profiles
Profiles3 records
PayTel subsidiaries and ownership
Company hierarchySubsidiaries2 records
PayTel funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayTel 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 PayTel
What does PayTel do?
PayTel is a Polish licensed payment institution (Krajowa Instytucja Płatnicza) that provides merchants with payment acceptance infrastructure and value-added services. Its core offering spans traditional stationary and mobile POS terminals (Ingenico Lane/3000 and Move/2500), the Android-based SmartPOS NexGo N3, the PayTel LightPOS SoftPOS application that turns any NFC Android phone or tablet into a contactless terminal, and the SIBS Gateway eCommerce payment gateway supporting 30+ payment methods. Complementary services include PayTel Connect (cloud wireless terminal-to-fiscal-cash-register integration), DCC, eFlota fleet cards, BLIK payments, eVoucher top-ups, eBill payments, Comfino BNPL, and Brutto business financing.
Is PayTel a public or private company?
PayTel is a private company. It is classified as corporate owned and is currently operating.
When was PayTel founded?
PayTel was founded in 2003. It employs 251 to 500 people.
Where is PayTel based?
PayTel is headquartered in Warsaw, Poland, in the Europe region.
How does PayTel make money?
Five revenue lines are on record. Transaction Processing Fees are the primary driver. The others are terminal Rental/Lease, eCommerce Gateway Fees, added-value Services and softPOS Subscription.
Who are PayTel's main competitors?
Direct peers on record are PayU, Polskie ePłatności (PEP), Tpay, Przelewy24 (P24) and SumUp. Broad incumbents are Worldline, Nexi, Adyen and Stripe. Verifone is listed as an others.
Does PayTel have an API?
Yes. PayTel offers API integration for eCommerce payments through SIBS Gateway. The API supports all payment methods including BLIK, card payments (Visa, Mastercard), pay-by-link transfers, QR payments, tokenization, one-click payments, no-click payments, and subscription/recurring payments. Integration is available via plugins for major eCommerce platforms (WooCommerce, Magento, Prestashop, Shopify), through the API for custom integrations, and via ready-made payment forms. Developer documentation is at www.docs.pay.sibs.com/pl/sibs-gateway-dokumentacja.
What industry is PayTel in?
PayTel's product category is Payment Processing Services. Its primary akta.pro industry code is FSAGABAO, POS, SoftPOS & In-Person Acceptance Infrastructure, with a secondary code of FSAMADAB, mPOS & SoftPOS (Tap-to-Phone) Solutions. Its NAICS code is 52232 and its SIC code is 6153.