What 4bill does

4bill is a Kyiv-based payment service provider founded in 2015 that operates a multi-rail payment processing platform for Ukrainian websites, mobile applications, and online services. The platform combines ready-to-use CMS payment modules, native iOS/Android SDKs, and a full host-to-host API, giving merchants multiple integration paths from no-code to enterprise. Its product portfolio spans website payments, invoices, payment links, QR payments, one-click/tokenized checkout, authorization holds, subscription billing, MOTO, P2P transfers (including a first-of-its-kind Visa Alias deployment developed in partnership with TASCOMBANK in 2021), and payment splitting across up to ten payees. Security and risk layers — 4bill.Antifraud, 4bill.Scoring, 4bSecure/4bill.Secure, and zero-balance card verification — are sold both as platform features and as standalone modules, particularly for the microfinance and gambling verticals.

Underlying infrastructure includes integrations with Visa, Mastercard, Apple Pay, Google Pay, Masterpass, and the seven largest Ukrainian banks (including Monobank and PrivatBank), with claimed payment conversion rates of 95–97% enabled by intelligent routing. The platform is PCI DSS and GDPR compliant and holds official Visa Third Party Servicer status. 4bill monetizes via a pay-as-you-go transaction-fee model ("no transactions, no fees"), supplemented by subscription/recurring billing rails and bespoke custom development for non-standard requirements. Customers span at least eight verticals — marketplaces, payday lending/microfinance, healthcare, insurance, mobile games, education, ticketing, and banking — with a cumulative footprint of 14,000+ businesses served and 460+ active merchants processing approximately 958,000 payments per day. The company is privately held (no disclosed funding rounds), employs 101–250 people, and is led by CEO Igor Bokiy.

Name

4bill

Legal name

4bill

Website

https://4bill.io

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

4bill is a Kyiv-based, Visa Third Party Servicer-status payment platform providing merchant acquiring, P2P, and risk modules to Ukrainian websites, mobile apps, and vertical-specific businesses including microfinance, marketplaces, and gambling operators.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)

Keywords

• Payment processing platform
• Online payment gateway
• Merchant payment services
• Payment infrastructure
• Fintech software

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction-based fees: 4bill charges fees only when the service is in use. No transactions, no fees. Payment processing with percentage-based transaction fees.
2. Subscription/Recurring fees: Subscription payment services for recurring billing, where the customer's card is automatically debited on a regular basis per merchant-defined schedule.
3. Custom/Individual development: Custom payment solutions developed based on specific business needs, tailored for any complexity.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

4bill is a Ukrainian payment system that provides businesses with a multi-functional payment acceptance platform for websites, mobile applications, and online services. It delivers ready-to-use payment modules, iOS/Android SDKs, and full API (host-to-host) integration to process card payments, e-wallet transactions, P2P transfers, subscriptions, and more. The platform supports Visa, Mastercard, Apple Pay, Google Pay, and includes proprietary anti-fraud, scoring, and intelligent payment routing capabilities.

Product overview

4bill is a comprehensive payment system platform offering multiple payment acceptance tools as a unified platform-plus-modules architecture. The core portfolio includes website payment modules, SDK for mobile applications (iOS/Android), ready payment modules for CMS systems, and full API integration. Payment methods encompass invoice system, payment links, payment widget, QR payments, one-click payments, authorization hold, subscription payments, MOTO payments, P2P transfers, and payment splitting. Security add-ons include anti-fraud systems (4bill.Antifraud), scoring modules (4bill.Scoring), card verification services (4bSecure, 4bill.Secure), and zero-balance card verification. The platform provides vertical-specific solutions for marketplaces, PDL/MFO, healthcare facilities, insurance companies, mobile games, educational projects, ticket sales, and custom development. Key differentiators include 97% payment success rate, 24/7 support, own development team for custom solutions, and partnerships with major Ukrainian banks.

Differentiator

Problem solved

Functional benefit

Brands

• 4bill.Secure: Cardholder verification service before conducting payouts
• 4bill.Antifraud
• 4bill.Scoring

Products and services

• Website Payment Module Complete online payment acceptance solution for websites enabling Visa and Mastercard payments, electronic wallets, Apple Pay, and Google Pay via branded payment pages with full API integration capabilities including host-to-host acceptance.
• SDK for Mobile Applications Native SDK libraries for iOS and Android enabling integrated payment acceptance directly within mobile applications with customizable payment page styling and tokenized card storage for one-click payments.
• Ready Payment Module / Payment Widget Pre-built payment module for CMS systems and website builders enabling quick integration without developer assistance. Automatically detects customer bank and requests minimum required fields, supporting quick returns, intelligent payment routing, and customizable design.
• Invoice System Digital invoice creation and sending system allowing businesses to generate invoices with embedded payment links sent via email, messenger, or social networks for instant payment of goods or services.
• Payment Links Specialized payment links enabling sales without a website or application. Payments can be received directly from messengers or social media platforms using unified or product-specific links.
• QR Payments QR code-based payment system integrating payment details into scannable codes for use both online and offline to accelerate customer settlements without POS terminals.
• One-Click Payments Tokenized payment solution remembering customer card details securely for instant repeat purchases with single-click checkout. Converts regular customers into repeat customers through frictionless payment experience.
• Authorization Hold Pre-authorization system holding payment amount on customer's card until service provision or goods delivery. Enables refunds without additional fees and builds customer trust by not debiting funds until transaction completion.
• Subscription Payments Recurring payment solution for automated scheduled card debiting with customizable payment schedules, number of payments, and detailed mechanics. Supports multiple subscription plans for SaaS and subscription services.
• MOTO Payments Mail Order/Telephone Order payment solution enabling automatic card debiting on specific dates and amounts. Ideal for financial service providers requiring remote payment collection without internet or customer card presence.
• P2P Transfers Person-to-person money transfer system between natural persons via card number or telephone number. Includes Visa Alias service for transfers by phone number with instant crediting.
• Payment Splitting Automated payment distribution system crediting debited amounts across multiple bank accounts simultaneously. Supports splitting to up to ten payees with detailed reporting, minimal bank fees, and simplified accounting for supplier and partner settlements.
• Personal Merchant Account Central merchant dashboard for managing all payment processes, viewing transactions, configuring payment pages, analyzing payments, setting up notifications, managing team roles, and real-time transaction tracking via Telegram bot.
• Marketplaces Solution Payment optimization solution for online marketplaces providing one-click purchases, diverse payment methods including installments via Monobank and PrivatBank, intelligent payment routing, and comprehensive payment management dashboard.
• PDL/MFO Solution Payment solution for payday lenders and microfinance organizations with AFT transactions, MOTO payments, card verification, zero-balance verification, 4bill.Secure, remote identification, and Third Party Service Provider integration with Visa and Mastercard.
• Healthcare Facilities Solution Medical payment automation solution enabling online payments, quick invoicing, analytics dashboard, and regular payment subscriptions for patient billing without queues or cash transactions.
• Insurance Companies Solution Insurance payment solution with 4bill.Antifraud and 4bill.Scoring for fraud prevention and creditworthiness evaluation, payment widget for website sales, payment links for messenger settlements, and automatic payment distribution to multiple accounts.
• Mobile Games Solution In-game payment solution supporting subscription fees, tariff models, one-click payments via tokenization, PCI DSS compliant security, diverse payment methods, and ready SDK integration for iOS and Android.
• Educational Projects Solution Payment solution for online education enabling payment links via messengers and social networks, landing page payment integration, subscription models for course series, and transaction-based pricing without subscriptions.
• Ticket Sales Solution

Quantifiable outcome

• Average payment conversion rate of 95-97% for 4bill customers
• +5 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability1 record

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• AT TASCOMBANKcoreTechnology or Integration · 3 November 20214bill's technical team (holding official Visa Third Party Servicer status) developed the Visa Alias service for AT TASCOMBANK, enabling card-to-card money transfers using only the recipient's phone number. This was the first implementation of this global service in Ukraine. 4bill serves as the technical development partner for the integration.
• 7 Largest Ukrainian BankscoreTechnology or Integration4bill is a partner of the 7 largest Ukrainian banks as an integrator of payment services. These bank partnerships are foundational to 4bill's ability to achieve up to 97% payment success rates through intelligent routing.
• Pogashay.uaminorGTM or Marketing Partner4bill integrated with Pogashay.ua loan repayment platform, providing pawnshop clients with a ready-made online payment solution. Ukrainians pay over 10 million UAH in loans monthly through this platform.
• VisacoreTechnology or Integration4bill holds official Visa Third Party Servicer status and operates as a Visa partner, enabling payment processing, Visa Alias P2P transfers, and card tokenization services.
• MastercardcoreTechnology or Integration4bill operates as a Mastercard partner enabling payment acceptance and card tokenization for Mastercard cards with instant payouts to Mastercard and Visa cards.
• Apple Pay / Google PaycoreTechnology or Integration4bill supports Apple Pay and Google Pay as payment methods, available to customers on website and mobile application payments.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Fondy: Ukrainian payment service provider offering card acceptance, payment pages, and APIs for online merchants — direct competitor to 4bill in the same Ukrainian SMB/mid-market segment.
• WayForPay: Ukrainian PSP providing online payment acceptance, invoicing, and merchant tools — competes head-to-head with 4bill for Ukrainian e-commerce and SMB merchants.
• Portmone: Ukrainian payment service and bill-aggregation platform — comparable in product scope (cards, invoices, payment links) and Ukrainian SMB focus.
• EasyPay: Ukrainian payment service offering online acceptance, P2P transfers, and bill payment — competes with 4bill on payment links, P2P, and merchant onboarding.

Broad incumbents

• LiqPay (PrivatBank): Payment service operated by Ukraine's largest retail bank — dominant incumbent in Ukrainian card payments with similar product surface to 4bill but backed by a Tier-1 bank balance sheet.
• Stripe: Global PSP with card acceptance, SDKs, APIs, and intelligent routing — comparable product architecture to 4bill and a likely threat as Ukrainian merchants scale internationally.
• Adyen: Global enterprise PSP with unified commerce, APM enablement, and bank-direct integrations — same payment-gateway and orchestration category as 4bill, though at much larger scale.
• Checkout.com: Global PSP with intelligent routing and APM orchestration — comparable platform architecture to 4bill and a competitor for cross-border Ukrainian merchants.

Emerging players

• Paddle: Merchant-of-record payment platform serving SaaS and digital goods — comparable to 4bill's mobile-games and education vertical solutions with subscription/recurring capabilities.
• Rapyd: Global fintech-as-a-service platform with local payment method enablement and disbursements — overlaps with 4bill's APM, payout, and integration-orchestration capabilities.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/4bill_4bill

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 4bill