What Skip Pay does

Skip Pay s.r.o. is a Czech Republic-based buy-now-pay-later (BNPL) fintech founded in 2018 and operating as part of the ČSOB (Československá obchodní banka) financial group under Czech National Bank (ČNB) supervision. The company's platform offers consumers deferred payment (Odložená platba, up to 30 days post-delivery), interest-free pay-in-three installments (Nákup na Třetinu, 1,000-100,000 CZK), a branded Mastercard with up to 100,000 CZK credit limit and 50-day deferral (MAXI package), and since 2025, traditional personal loans up to 100,000 CZK repayable over 3-96 months. Identity verification uses Bankovní identita (Czech BankID), and the platform integrates with major Czech e-commerce systems via API, plugins, and payment gateways. Ancillary features include loyalty points, cashback up to 10%, electronics insurance, payment deferral, and peer-to-peer money transfers.

The B2B value proposition targets e-commerce merchants with a distribution footprint of 33,000+ partner e-shops, marketed via developer-friendly API (2-6 working day integration) and a Certified Google CSS Partnership that offers up to 20% savings on Google Shopping advertising. Revenue is generated primarily through merchant transaction fees (described as more favorable than standard card processing), interest on revolving credit and installment balances (annual interest rate 20.10% / RPSN 22.06%), late payment penalties (escalating up to 30 days overdue), card and cash withdrawal fees, and tiered monthly subscriptions for the CSS Program (1,999-4,999 CZK/month). The company measures merchant outcomes including 20-25% higher conversion, ~30% higher average order value, and up to 40% reduction in unclaimed cash-on-delivery parcels.

Skip Pay is headquartered in Prague 5 – Radlice (Výmolova 353/3) with a team of 80+ employees averaging 33 years of age, operates under the leadership of CEO Richard Kotrlík, and reports 130,000+ active consumer users and 3+ billion CZK in cumulative financed purchases over six years of operation. The customer base spans Czech enterprise retailers (Datart, Invia, Knihy Dobrovský, Vivantis, Slevomat, Trenťdkárna) and long-tail SMB e-shops, with marketing support delivered through affiliate partnerships, joint campaigns, an in-house PR function, content marketing, and digital/social channels. Recent strategic moves include geographic expansion signals into Slovakia and product line extension into traditional consumer credit and statement installment conversion.

Name

Skip Pay

Legal name

Skip Pay s. r. o.

Website

https://skippay.cz

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

101–250 employees

Short description

Skip Pay is a Czech Republic-based BNPL fintech operating under the ČSOB banking group, offering deferred payment, pay-in-three, a Mastercard with up to 100,000 CZK credit limit, personal loans, and a Google Shopping CSS advertising program to consumers and 33,000+ partner e-commerce merchants in Czechia and Slovakia.

Ownership category

akta.pro rank

Product category

Consumer Lending / Buy Now Pay Later

NAICS

Sales Financing (52222), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

akta.pro secondary industries

Late Fee / Bill-Pay Advance Products (FSAKAMAM), Marketplace & Platform Seller Payouts (FSAMAKAE)

Keywords

• Buy now pay later
• Deferred payment platform
• Consumer credit cards
• Ecommerce payment integration
• Merchant lending services

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction fees from e-shops: Skip Pay charges e-commerce merchants a fee for processing BNPL transactions. The fee structure is described as more favorable than standard card payment processing fees. This is the primary revenue stream from the B2B side.
2. Interest and fees on credit products: Revenue is generated from interest charged on the MAXI package revolving credit (when customers carry balances beyond the interest-free period), installment repayment fees, late payment penalties, and credit limit extension fees. The annual interest rate is 20.10% APR with RPSN of 22.06% on installment loans.
3. Card and payment fees: Fees for cash withdrawals (1% + 29 CZK), payment order transfers (1% of amount, min. 1 CZK), card issuance (99 CZK for plastic card), and electronic wallet top-ups (1% of amount, min. 1 CZK).
4. CSS Program subscription fees: E-shops pay monthly subscription fees for the CSS Program — Basic version at 1,999 CZK/month and PRO version at 4,999 CZK/month, in exchange for up to 20% savings on Google Shopping ad spend.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Skip Pay is a Czech fintech platform offering Buy Now Pay Later services to online shoppers — including free deferred payment up to 30 days, interest-free three-installment plans, a Skip Pay Mastercard with up to 100,000 CZK revolving credit, and personal loans up to 100,000 CZK. Its products are delivered through consumer-facing web and mobile apps and through a B2B API that integrates Skip Pay as a payment option at more than 33,000 partner e-commerce merchants in the Czech Republic.

Product overview

Skip Pay is a BNPL (Buy Now, Pay Later) fintech platform from the ČSOB group, operating in the Czech Republic. The core offering consists of deferred payment (Odložená platba), Buy Now Pay in Three (Nákup na Třetinu), a Mastercard payment card, and personal loans. These are organized into two subscription packages: Balíček MINI (up to 10,000 Kč limit, basic features) and Balíček MAXI (up to 100,000 Kč limit, full card, extended payment terms up to 50 days, up to 10% cashback, electronics insurance, installments, payment deferral, and money transfers). Additional services include rewards/loyalty program, cashback, CSS marketing program for Google Shopping advertising savings, and marketing packages for e-shops. The platform integrates with major Czech e-commerce platforms and payment gateways, serving over 33,000 partner e-shops.

Differentiator

Problem solved

Functional benefit

Products and services

• Odložená platba (Deferred Payment) Buy Now Pay Later service allowing online shoppers to pay for purchases up to 30 days after delivery, free of charge with no interest or fees if paid on time. Maximum limit of 10,000 CZK per transaction.
• Nákup na Třetinu (Buy Now, Pay in Three) Splits purchases from 1,000 to 100,000 CZK into three equal installments: first paid immediately, second at 30 days, third at 60 days, with no interest or fees.
• Skip Pay karta (Mastercard) Mastercard-branded payment card with credit limit up to 100,000 CZK and up to 50 days payment period. Accepted online, in physical stores and at ATMs worldwide; tokenized for Apple Pay, Google Pay, Xiaomi Pay and Garmin Pay.
• Půjčka (Personal Loan) Personal loan from 1,500 to 100,000 CZK, repayable in 3–96 monthly installments, with representative APR of 20.10% (RPSN 22.06%) and free early repayment. Funds disbursed directly to the customer's bank account.
• Balíček MAXI (MAXI Package) Premium subscription package with credit limit up to 100,000 CZK that bundles the Skip Pay Mastercard, up to 50 days payment period, 2 reward points per 100 CZK spent, up to 10% cashback, electronics insurance, installment payments, payment deferral and money transfers to any Czech bank account. Free to obtain and use if balance is paid by the 20th of the following month.
• Balíček MINI (MINI Package) Basic subscription package with credit limit up to 10,000 CZK, including deferred payment, Buy in Three, a loan option, electronics insurance, 1 reward point per 100 CZK spent and up to 5% cashback.
• CSS Program (Comparison Shopping Service) Marketing service for e-commerce merchants offering Basic (1,999 CZK/month) and PRO (4,999 CZK/month) tiers, providing up to 20% savings on Google Shopping and Performance Max CPC, product comparator inclusion and VIP support; PRO adds monthly marketing consultations.
• Marketingové balíčky (Marketing Packages for E-shops) Three-tier promotional packages sold to e-commerce merchants, including premium placement on Skip Pay's site, email campaigns, social media features and blog articles with links, available at multiple price points.
• Affiliate Program Referral/affiliate program allowing partners to earn commissions for referring new customers and e-commerce merchants to Skip Pay.

Quantifiable outcome

• E-shops report 20–25% higher conversion rate through Skip Pay vs standard card payments
• +5 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature5 records

Partnerships

Six partnerships are on record, tiered minor and core.

• InviaminorGTM or Marketing Partner · 18 June 2025Invia, a Czech travel agency, partnered with Skip Pay for a joint marketing campaign in Czech Republic and Slovakia. The campaign featured mascot collaboration (Skip Pay's Brain and Heart with Invia's Flip and Flop) across digital formats, radio, outdoor, and social media. The partnership allows Invia customers to pay for travel packages in three interest-free installments.
• DX HeroesminorStrategic or Co-development PartnerDX Heroes collaborated with Skip Pay to optimize developer experience (DX) for the Skip Pay API integration. Their goal was to make Skip Pay the simplest BNPL integration in the Czech market. Skip Pay references DX Heroes' endorsement in its developer marketing materials.
• TrustPayTechnology or IntegrationTrustPay is a payment gateway partner through which Skip Pay BNPL services can be integrated by e-commerce merchants.
• Google (Certified CSS Partner)coreStrategic or Co-development PartnerSkip Pay is a certified Google Comparison Shopping Service (CSS) Partner, which enables the company to route e-shop product feeds through its own Google Merchant Center and provide partner e-shops with up to 20% savings on Google Shopping advertising costs.
• DatartminorGTM or Marketing PartnerDatart, a major Czech electronics retailer, partnered with Skip Pay for joint marketing activities. Skip Pay is integrated as a payment option on Datart's website and physical stores.
• Trenýrkárna (Bosonožka)minorGTM or Marketing PartnerTrenýrkárna (underwear brand Bosonožka) partnered with Skip Pay for joint marketing including custom TV commercials. Skip Pay represents up to 15% of Trenýrkárná's total purchases.

Scale indicators10 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Klarna: Swedish-founded global BNPL leader offering pay-in-3, pay-in-4, and longer-term installments across Europe and beyond. Klarna is the most direct functional peer to Skip Pay, competing on the same pay-later mechanic with merchants, though at a much larger scale.
• Twisto (Zip Co subsidiary): Czech-origin BNPL provider now owned by Zip, operating in the Czech Republic and Poland. Twisto is Skip Pay's most direct domestic head-to-head competitor, offering similar deferred payment and installments to Czech e-commerce merchants.
• Riverty (Bertelsmann): European BNPL and pay-by-invoice provider under Bertelsmann offering pay-in-3 and invoice-based deferred payments to merchants across DACH and wider Europe. Comparable to Skip Pay in product design and merchant integration model.
• Affirm: US-listed BNPL provider offering pay-in-4, monthly installments, and longer-term loans both at checkout and via its own card. Comparable to Skip Pay on the full BNPL-to-card credit stack, though primarily operating in North America.

Broad incumbents

• Home Credit: Large Czech-origin consumer credit provider operating across CEE and Asia with POS lending, BNPL, and revolving products. Comparable to Skip Pay on the consumer credit and installment offering, but at materially larger scale and broader product set.
• PayPal Pay Later: PayPal's integrated pay-in-3 and pay-in-4 products available to global merchants, including Czech e-shops using PayPal. Represents the 'big tech' BNPL competitor that Skip Pay must displace or differentiate against at the checkout.
• Cofidis: European consumer credit specialist ( Crédit Mutuel group) with a Czech entity offering revolving credit and personal loans. Competes with Skip Pay's MAXI package and Půjčka loan in the Czech consumer credit market.
• Air Bank: Czech retail bank that owns Zonky and offers installment and consumer credit products direct to Czech consumers. A domestic incumbent Skip Pay competes with for consumer wallet share, and a counterpart parent compared to Skip Pay's ČSOB ownership.

Emerging players

• Zonky: Czech peer-to-peer lending marketplace owned by Air Bank. Zonky overlaps with Skip Pay on consumer credit distribution to Czech borrowers, though its core product is marketplace lending rather than checkout-based BNPL.
• Mall Pay (historical predecessor): The previous brand under which Skip Pay operated (Czech Play Store package 'cz.mallpay' and partnerships referencing 'Mall Pay / Fastcentrik'). Considered a peer given shared IP history, customer base overlap, and the SK/CZ market footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC56ivZwb5fjA7ClI49aMyIg
• Facebookfacebook.com/SkipPay
• LinkedInlinkedin.com/company/skip-pay
• Instagraminstagram.com/skip_pay

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Skip Pay