PBpay

Cryptocurrency Payment Processingpbpay.io

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

Cryptocurrency payment processing
Virtual currency wallet services
Crypto-fiat exchange platform
Blockchain payment infrastructure
Digital asset payment gateway

Where PBpay is headquartered

Location

Headquarters

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 offering

Core 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 profile

Segments4 records

Ideal customer profiles4 records

PBpay technology and API

Technology

Technology 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 signal

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

PBpay competitors and assessment

Company assessment

Direct 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 compliance and trust

Trust signal

Compliance1 record

PBpay financial estimates

Financial estimate

Revenue estimate

Valuation estimate

PBpay leadership team

Management profile

Number of profiles

PBpay funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

PBpay M&A and investment

M&A and investment

M&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?

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.