PBpay
- Company typePrivate
- Founded2020
- HeadquartersKatowice, Poland
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What PBpay does
PBpay is a Poland-based cryptocurrency payment platform operated by GeoCurrency Sp. z o. o. (registered in Katowice, KRS 0000960924) and built as a unified stack combining a crypto payment processor, virtual currency wallet services with unlimited wallet capacity, a virtual currency exchange, deposit and withdrawal services, and an API integration layer. The platform supports more than 1,000 cryptocurrencies and 30+ fiat currencies, leverages spot deliverable third-party exchanges for liquidity, and layers a multi-component security architecture (UbiKey, Pre-KYT screening, WebAuthn, 2FA, cryptographic address validation) with automated reporting and AI-assisted trend analysis.
The company is licensed as an Authorized Virtual Currency Service Provider (License No RDWW-185) by the Director of the Fiscal Administration Chamber in Katowice, positioning it under European regulatory frameworks. It targets four vertical segments — E-commerce (primary), PSPs, Forex & Trading, and High Risk merchants — and goes to market via enterprise field sales, an API-first distribution path, and a self-serve web portal, with all customer onboarding requiring KYC and offline registration.
PBpay monetizes through transaction fees on payment processing, wallet services, exchange conversions, and API integration, invoiced monthly on a non-automatic basis; pricing is not publicly disclosed and blockchain mining fees are passed through to customers. The company is privately held with 51–100 employees and no disclosed external funding rounds, institutional investors, named customers, or management team details in the available materials.
PBpay firmographics
Firmographics- Name
- PBpay
- Legal name
- GeoCurrency Sp. z o. o.
- Website
- https://pbpay.io
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
PBpay industry classification
Industry- Product category
- Cryptocurrency Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB)
- akta.pro secondary industries
- Crypto Payment Gateways & Checkout APIs (FSADAIAA), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF)
Keywords
Where PBpay is headquartered
LocationHeadquarters
- HQ city
- Katowice
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
PBpay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Compliance
Revenue model
- Transaction fees: Fees charged for services on a non-automatically basis with invoices issued monthly. Includes blockchain mining fees for withdrawals.
- Exchange services: Revenue from exchanging virtual currencies to fiat or other virtual currencies using spot deliverable third-party services.
- Wallet services: Fees for virtual currency wallet services used to store, exchange, and withdraw funds.
- API integration services: Paid services for API integration, payable using virtual currencies stored on the account, subject to separate agreement.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels3 records
PBpay product offering
Product offeringCore offering
PBpay operates a unified cryptocurrency payment processing platform that enables businesses to accept, store, exchange, and withdraw digital assets across 1000+ cryptocurrencies and 30+ fiat currencies. The platform combines a crypto payment processor, virtual currency wallet services, an exchange service, deposit/withdrawal capabilities, and API integration, operating globally under European regulatory licensing.
Product overview
PBpay is a comprehensive cryptocurrency payment platform that operates as a unified system combining multiple services: a crypto payment processor for accepting and processing cryptocurrency transactions, virtual currency wallet services for storing and managing digital assets with unlimited wallet capacity, virtual currency exchange for converting between 1000+ cryptocurrencies and 30+ fiat currencies, API integration for developer access to all platform services, and deposit/withdrawal services for both local and cross-border transactions. The platform is designed for e-commerce businesses, PSPs, forex & trading platforms, and high-risk industries seeking global crypto payment acceptance.
Differentiator
Problem solved
Functional benefit
Products and services
- Crypto Payment Processor Primary cryptocurrency payment processing platform that enables businesses to accept and process crypto payments globally, instantly, and in compliance with regulations across 1000+ supported cryptocurrencies and 30+ fiat currencies.
- Virtual Currency Wallet Services Digital wallet service for storing, managing, and withdrawing virtual currencies. The platform securely stores private keys and provides unlimited wallets for business asset management with support for local and cross-border transactions.
- Virtual Currency Exchange Exchange service for converting virtual currencies to fiat or other virtual currencies. Uses spot deliverable third-party services for best exchange rates and market depth, with automatic or manual conversion at market rates or preset thresholds.
- API Integration Services Integration service allowing businesses to programmatically access PBpay's payment processing, wallet, and exchange capabilities. Requires an active account and a separate agreement, with payment for services in virtual currencies stored on the account.
- Deposit and Withdrawal Services Services for depositing and withdrawing virtual currencies on the platform, supporting both local and cross-border transactions with intelligent fund consolidation and automatic bookkeeping.
Companies that use PBpay
Customer profileSegments4 records
Ideal customer profiles4 records
PBpay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability1 record
Feature11 records
PBpay partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
PBpay competitors and assessment
Company assessmentDirect peers
- TripleA: TripleA is a Singapore-based, MAS-licensed crypto payment gateway providing fiat settlement for merchants accepting digital assets. It mirrors PBpay's licensed-PSP positioning in a different jurisdiction.
- NOWPayments: NOWPayments is a crypto payment gateway offering broad coin coverage and fiat auto-conversion for merchants. It directly competes with PBpay on long-tail cryptocurrency support and global merchant acceptance.
- Alchemy Pay: Alchemy Pay operates a crypto-fiat payment gateway bridging on-chain assets and traditional payment networks. It competes with PBpay in merchant acceptance across both crypto and fiat rails.
- CoinsPaid: CoinsPaid provides crypto payment processing, wallets, and exchange infrastructure with a focus on licensed operations. It overlaps with PBpay across PSP, merchant acceptance, and treasury services.
- CoinGate: CoinGate is a Lithuania-based crypto payment gateway supporting many cryptocurrencies with fiat settlement, very similar in scope and CEE-European regulatory positioning to PBpay. Both target merchants seeking licensed crypto acceptance.
- Coinbase Commerce: Coinbase Commerce is the merchant-facing crypto payment gateway of Coinbase, supporting multiple cryptocurrencies for online merchants. It is a direct competitor to PBpay in providing a merchant acceptance API and wallet infrastructure.
- BitPay: BitPay is one of the longest-standing crypto payment processors, enabling merchants to accept Bitcoin and other cryptocurrencies with conversion to fiat. PBpay competes with BitPay directly across the same merchant acceptance and crypto-to-fiat settlement use cases.
Emerging players
- BTCPay Server: BTCPay Server is an open-source, self-hosted crypto payment processor. It overlaps with PBpay's payment gateway functionality and is a meaningful alternative for technically sophisticated merchants.
- Cryptomus: Cryptomus is a crypto payment gateway offering merchant acceptance and wallet services with broad coin support. It competes with PBpay primarily in the broader-tier merchant acceptance and payout niche.
Broad incumbents
- Stripe: Stripe has expanded its payments platform with crypto on-ramp and stablecoin settlement capabilities. As a broad incumbent, it overlaps with PBpay wherever merchants evaluate crypto acceptance alongside mainstream payment APIs.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
PBpay social profiles
Digital presencePBpay compliance and trust
Trust signalCompliance1 record
PBpay financial estimates
Financial estimateRevenue estimate
Valuation estimate
PBpay leadership team
Management profileNumber of profiles
PBpay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PBpay 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 PBpay
What does PBpay do?
PBpay operates a unified cryptocurrency payment processing platform that enables businesses to accept, store, exchange, and withdraw digital assets across 1000+ cryptocurrencies and 30+ fiat currencies. The platform combines a crypto payment processor, virtual currency wallet services, an exchange service, deposit/withdrawal capabilities, and API integration, operating globally under European regulatory licensing.
Is PBpay a public or private company?
PBpay is a private company. It is classified as unknown and is currently operating.
When was PBpay founded?
PBpay was founded in 2020. It employs 11 to 50 people.
Where is PBpay based?
PBpay is headquartered in Katowice, Poland, in the Europe region.
How does PBpay make money?
Four revenue lines are on record. Transaction fees are the primary driver. The others are exchange services, wallet services and API integration services.
Who are PBpay's main competitors?
Direct peers on record are TripleA, NOWPayments, Alchemy Pay, CoinsPaid, CoinGate, Coinbase Commerce and BitPay. Emerging players are BTCPay Server and Cryptomus. Stripe is listed as a broad incumbent.
Does PBpay have an API?
Yes. PBpay offers API integration for accessing its services. The Terms of Conditions state: 'API integration for the use of Services' and 'To use Integration Service, you have to have an active account. Upon a successful registration, you may pay for the services using Virtual Currencies stored on your account. This is a subject to be specified in a separate Agreement between Client and Company.' The platform also provides a status page at status.pbpay.io.
What industry is PBpay in?
PBpay's product category is Cryptocurrency Payment Processing. Its primary akta.pro industry code is FSADAIAB, Crypto Merchant Acquirers & PSPs (Payment Service Providers), with a secondary code of FSADAIAA, Crypto Payment Gateways & Checkout APIs. Its NAICS code is 52232 and its SIC code is 6200.