FiberPay

What FiberPay does

FiberPay sp. z o.o. is a Warsaw-based Polish fintech operating as a licensed Small Payment Institution (MIP28/2019) under KNF supervision. The company provides an API-first payments and compliance platform that lets businesses accept online payments via BLIK, pay-by-link bank transfers, and payment cards, while bundling KYC identity verification (FiberID), AML transaction monitoring and GIIF regulatory reporting (System AML), strong customer authentication (FiberToken), and automated debt collection via payment links (Zapłatomat) into a single REST/JSON API. Underlying technology consists of a unified REST/JSON API with PHP and JavaScript SDKs published on GitHub, supporting modular integration of payment acceptance, mass payouts (FiberSplit), aggregated collections (FiberCollect), third-party transfers (FiberForward), and forthcoming instant transfers (FiberDirect). \n\nFiberPay monetizes exclusively via a 2.0% per-transaction commission with no fixed or monthly fees, and offers new customers a 0% commission first-month trial. Its go-to-market is self-serve product-led growth through the pay.fiberpay.pl portal targeting developers and SMBs in Poland, with marketing emphasis on unified-vendor replacement and regulatory compliance guidance. Customers disclosed on the website span a non-profit education foundation (Fundacja Bullerbyn), a legal debt-collection enterprise (Vindicat), and a telecom (Domtel Telekom), and the platform's reported cumulative processing volume exceeds 37 million PLN. The company completed an EU co-funded project in 2022 to automate reporting to the Polish General Inspector of Financial Information (GIIF), receiving approximately 338,000 PLN from the European Regional Development Fund, and operates with 1-10 employees from a single Warsaw office.

Name

FiberPay

Legal name

FiberPay sp. z o.o.

Website

https://fiberpay.pl

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

FiberPay is a Warsaw-based Polish fintech and KNF-licensed Small Payment Institution offering an API-first platform that bundles online payment acceptance (BLIK, pay-by-link, cards), KYC, AML, MFA, and debt-collection workflows for Polish SMBs and developers.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Payment Orchestration Platforms (FSAGABAA), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

Keywords

• Payment processing API
• Online payment gateway
• Identity verification
• AML compliance
• Mass payouts

Headquarters

HQ city

Warsaw

HQ country

Poland

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. Payment Processing Commission: Transaction-based fee of 2.0% per processed payment. No fixed fees or hidden costs. Customers can trial with 0% commission for the first month.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

FiberPay provides a unified REST/JSON API platform for online payment processing, customer identity verification (KYC), anti-money laundering compliance, and multi-factor authentication. Businesses use FiberPay to accept payments via BLIK, pay-by-link bank transfers, and payment cards, as well as to perform mass payouts, aggregate incoming transfers, and generate payment links with automated reminders. The platform is offered under a single integration that combines payments, compliance, and security capabilities for Polish businesses and AML-obligated institutions.

Product overview

FiberPay is a unified payment and compliance platform offering a modular portfolio of products. The core platform comprises FiberPay/FiberAccept (payment gateway for pay-by-link, BLIK, and cards), FiberSplit (mass payouts), FiberCollect (aggregated collections), FiberDirect (instant transfers, upcoming), FiberForward (third-party transfers with fees), and FiberAccount (payment accounts). These are complemented by add-on modules: FiberID (KYC/identity verification), System AML (anti-money laundering and regulatory compliance), FiberToken (2FA/MFA mobile app), and Zapłatomat (payment links and debt enforcement). The entire suite is unified by a REST/JSON API enabling developers to integrate and automate all services programmatically.

Differentiator

Problem solved

Functional benefit

Brands

• Zapłatomat: Payment gateway and debt collection service enabling generation of online payment links with automatic reminders for overdue payments, supporting pay-by-link, BLIK, and traditional bank transfers.
• FiberID
• System AML
• FiberToken
• FiberSplit
• FiberCollect
• FiberDirect
• FiberForward
• FiberAccept
• FiberAccount

Products and services

• FiberPay Payment Gateway Core payment gateway enabling acceptance of pay-by-link bank transfers, BLIK mobile payments, and payment cards. Supports automated commission calculation and mass payment distribution to recipients without manual settlements. Targeted at Polish businesses needing online payment acceptance.
• FiberAccept

Quantifiable outcome

• 2.0% transaction fee with no fixed costs

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

One partnership is on record.

• Unia Europejska / European UnioncoreStrategic or Co-development Partner · 1 January 2022EU co-funded project 'Automatyzacja procesu zgłaszania informacji do GIIF' under Smart Growth Operational Programme 2014-2020. Total project value 488,886.51 PLN with 337,848.43 PLN in EU funding. Project period January 2022 to November 2022.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Paynow: Polish online payment gateway operated by mBank, supporting BLIK, pay-by-link, and cards. Directly comparable to FiberPay in the Polish SMB and developer integration segment.
• Tpay: Polish payment gateway and aggregator offering online payment acceptance, BLIK, and mass payouts via REST API. Closely matches FiberPay's API-first, BLIK-supporting, mass-payout-enabled proposition.
• PayU: One of the largest payment gateways in Poland, offering card, BLIK, and pay-by-link acceptance plus payouts for online merchants. Closely comparable to FiberPay's core gateway, mass-payout, and Polish-market SMB focus.
• Autopay (BlueMedia): Polish payment gateway from BlueMedia providing online transfers, BLIK, and card acceptance plus value-added services. Comparable as a domestic Polish PSP with similar merchant and SMB focus.
• Przelewy24 (P24): Polish payment gateway owned by eService / National Payment Processor, supporting BLIK, cards, and pay-by-link. Directly comparable as a domestic Polish PSP competing for the same merchants FiberPay serves.

Emerging players

• Veriff: Identity verification and KYC/AML platform with API-based onboarding, sanctions, and AML screening. Comparable to FiberID / System AML as an adjacent identity-and-compliance vendor that could be substituted or partnered with.
• Mollie: European payment gateway supporting multiple local payment methods, payouts, and identity verification via a single API. Comparable to FiberPay as a developer-first, multi-method European PSP.

Broad incumbents

• Stripe: Global payment platform with API-first payments, Connect for marketplaces, Radar for AML/risk, and Stripe Identity for KYC. Comparable as a broad incumbent whose API-driven payments + compliance suite overlaps FiberPay's integrated offering.
• Adyen: Global payment processor offering unified online and in-person payments, risk management, and identity solutions. Comparable as a broad incumbent whose single API for payments, risk, and compliance parallels FiberPay's unified stack.
• Checkout.com: Global payment processor with a unified API for card acceptance, local payment methods, payouts, and risk management. Comparable to FiberPay's API-first, multi-method, risk-and-payout-enabled proposition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• GitHubgithub.com/fiberpay/api
• Xx.com/fiberpay
• Facebookfacebook.com/fiberpay.payment.services

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 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 FiberPay