Postepay
- Company typePrivate
- Founded2018
- HeadquartersRoma, Italy
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
Postepay firmographics
Firmographics- Name
- Postepay
- Legal name
- PostePay S.p.A.
- Website
- https://postepay.poste.it
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Postepay industry classification
Industry- Product category
- Digital Payments and Prepaid Card Services
- akta.pro primary industry
- Card Issuing & Program Management Platforms (BPAMAFAH)
- akta.pro secondary industries
- Gift Card Processing, Issuance Platforms & Aggregators (FSAMANAL), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Card Issuing Platforms (Issuer Processing) (FSAGABAD), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB)
Keywords
Where Postepay is headquartered
LocationHeadquarters
- HQ city
- Roma
- HQ country
- Italy
- HQ region
- Europe
Offices1 record
Markets served
Postepay business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Prepaid Card Issuance and Annual Fees: Postepay generates revenue through card issuance fees (ranging from €0 to €20 depending on card type) and annual fees (e.g., €19/year for Postepay Evolution and Postepay with IBAN). Cards like Postepay Standard have no annual fee but charge €20 issuance.
- Payment Transaction Fees: Transaction fees charged to merchants for POS payments, including SmartPOS commission starting from 0.80% and MPOS commission of 1.50% for Postepay cards and 1.80% for other cards.
- Mobile and Connectivity Services: Revenue from PosteMobile SIM plans and PosteCasa Ultraveloce fiber services offered through the Postepay platform, including monthly subscriptions ranging from €5 to €27.90.
- Energy Services: Revenue from Poste Energia (electricity and gas) services introduced in 2023, offering 100% renewable energy to consumers.
- International Money Transfers: Revenue from Western Union and MoneyGram international money transfer services, with commissions starting from €0.99 for first transfers.
- Bank Transfer and Direct Debit Fees: Fees for SEPA bank transfers (€1.00 from app, €3.50 at post office), SEPA instant transfers, and SEPA Direct Debit commissions (€0.40 in EEA, €1.50 in Switzerland).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Postepay Digital (no IBAN) - Free prepaid card |
| Subscription | Annual | Postepay Digital (with IBAN) - Paid prepaid card |
| One time/ perpetual license | Annual | Postepay Standard - Standard prepaid card |
| Subscription | Annual | Postepay Evolution - Premium prepaid with IBAN |
| Subscription | Annual | Postepay Green - Youth prepaid card (10-18 years) |
| Hybrid | Monthly | Postepay Connect - Combined card and SIM package |
| Subscription | Monthly | SmartPOS - Merchant card terminal |
| Subscription | Pay-as-you-go | MPOS - Mobile merchant card terminal |
| Subscription | Monthly | PosteCasa Ultraveloce - Fiber internet |
| Subscription | Monthly | PosteCasa Ultraveloce Start - Budget fiber |
| Subscription | Monthly | PosteMobile Creami EXTRA WOW 150 |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels5 records
Postepay product offering
Product offeringCore offering
PostePay S.p.A. operates as an Electronic Money Institution (IMEL) issuing prepaid and debit cards (Postepay Evolution, Digital, Standard, Green) and providing a digital payment platform that integrates contactless payments, P2P transfers, merchant acquiring (SmartPOS, MPOS), e-commerce payment solutions, and international money remittances via Western Union and MoneyGram. The platform also bundles mobile (PosteMobile), home fiber internet (PosteCasa Ultraveloce), and energy services (Poste Energia), all accessible through the App Poste Italiane and the national Uffici Postali network.
Product overview
Postepay is a comprehensive digital payments and financial services platform operated by PostePay S.p.A., a wholly-owned subsidiary of Poste Italiane. The offering is organized as a platform-plus-modules architecture centered on prepaid cards (Postepay Evolution, Digital, Standard, Green) and debit cards, with integrated acquiring solutions (SmartPOS, MPOS, e-Commerce), mobile services (PosteMobile), home internet (PosteCasa Ultraveloce), and energy services (Poste Energia). Key value-added services include P2P transfers, Paga con Postepay one-click payments, ScontiPoste cashback program, and money transfer integrations with Western Union and MoneyGram. The ecosystem is accessed through the App Poste Italiane for consumers and App PosteBusiness for merchants, with a planned reorganization into a unified Financial Hub within BancoPosta.
Differentiator
Problem solved
Functional benefit
Brands
- PosteMobile: Mobile telecommunications brand offering SIM cards, mobile plans (including PosteMobile Creami), 4G/5G services, and PosteCasa Ultraveloce fiber internet services
- Poste Energia
- PosteCasa Ultraveloce
- SmartPOS Postepay
- MPOS Postepay
- ScontiPoste
- P2P (Postepay 2 Postepay)
- Paga con Postepay
- G2G (Giga 2 Giga)
Products and services
- Postepay Evolution Prepaid card with IBAN enabling salary and pension deposits, domestic and international SEPA transfers, bill payments, and contactless payments via Apple Pay and Google Pay. Targeted at consumers seeking a full-featured prepaid account.
- Postepay Digital Digital prepaid card available with or without IBAN, suitable for online purchases and mobile payments, with no physical issuance required when requested online.
- Postepay Standard Basic prepaid Visa card for online shopping, ATM withdrawals (up to €4,000 plafond, €500 daily ATM limit), and purchases in Italy and abroad.
- Postepay Green Prepaid card for youth aged 10-18 with parental controls, cashback rewards, sustainable materials, and no annual fee.
- Carta di debito Postepay Debit card for BancoPosta account holders enabling online payments, contactless payments via Apple Pay/Google Pay, and QR code payments at affiliated merchants.
- Carta di debito Postepay Business Business debit card with elevated spending limits, online purchase capability, cashback benefits, and customizable usage parameters managed via app.
- SmartPOS Postepay Physical point-of-sale terminal for merchants accepting card payments with next-day crediting, QR code support, and 0.80% transaction commission.
- MPOS Postepay Mobile point-of-sale device enabling merchants to accept card payments on the go, with 1.50% commission on Postepay cards and 1.80% on other cards.
- Poste Energia (Luce e Gas) Electricity and gas service from 100% renewable sources offered through the Postepay platform, with a fixed monthly payment option and CO2 compensation for gas.
- PosteCasa Ultraveloce Home fiber internet service offering up to 2.5 Gbps download speeds via FTTH/FTTC/FTTE technologies, combined with unlimited 4G mobile connectivity via USB stick, with optional voice service.
- PosteCasa Ultraveloce Start Entry-level home fiber internet with up to 2.5 Gbps download speeds and optional voice service, at a lower monthly fee than standard PosteCasa Ultraveloce.
- PosteMobile Mobile telephony services including SIM cards, data plans (Creami, Connect), and 5G options, often bundled with Postepay products.
- Paga con Postepay One-click online payment solution allowing users to pay at affiliated merchants without re-entering card details, authenticated via PosteID.
- P2P (Postepay 2 Postepay) Person-to-person money transfer service between Postepay cards using phone contacts, with free transfers up to €25 per day.
- Paga e Preleva Cash withdrawal and bill payment service at participating PuntoLis (tobacco shops) while shopping, without requiring an ATM visit.
- ScontiPoste Cashback loyalty program offering up to 20-30% discounts at affiliated merchants when paying with Postepay or BancoPosta cards.
- Soluzioni per l'e-Commerce Complete e-commerce payment solution enabling merchants to accept online payments, including Paga con Postepay integration to reduce cart abandonment.
- Western Union Money Transfer International money transfer service enabling customers to send money to over 200 countries and territories using Postepay cards, with commissions starting from €0.99.
- MoneyGram Money Transfer International money transfer service available at over 12,000 Uffici Postali locations, with multi-currency support for select countries.
- Postepay Connect Bundle combining the Postepay Evolution card with a PosteMobile SIM offering 200GB data, unlimited calls and SMS at €10 per month.
Quantifiable outcome
- Up to 30% cashback on purchases through ScontiPoste program
- +3 more outcomes
Companies that use Postepay
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Postepay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature7 records
Postepay partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Western UnioncorePostepay offers Western Union international money transfer services allowing customers to send money to over 200 countries and territories using their Postepay cards. Commissions start from €0.99 for first transfers. The service is available 24/7 online.
- MoneyGramcoreMoneyGram international money transfer service available at over 12,000 enabled Uffici Postali locations. Allows transfers without requiring a bank account, with multi-currency service available for select countries.
- LIS Pay (PuntoLis network)coreLIS Pay operates the PuntoLis network of tobacco shops and convenience stores that provide Postepay card reload services and cash withdrawals (Paga e Preleva). Over 12,000 locations enable convenient access to cash-in and cash-out services.
- VisacorePostepay cards operate on the Visa payment network for international transactions, enabling payments and cash withdrawals at Visa-accepting merchants and ATMs worldwide.
- MastercardcorePostepay Digital and other cards support Mastercard circuit for contactless payments and online transactions, particularly for Google Pay integration.
- Apple PaycoreApple Pay integration enables Postepay cardholders to make contactless payments with iPhone and Apple Watch at NFC-enabled terminals and online.
- Google PaycoreGoogle Pay integration allows Android users to add Postepay cards and make contactless payments with their smartphones.
- European Central Bank (Digital Euro Initiative)minorPostepay is among approximately 70 private-sector partners selected by the ECB for its digital euro innovation platform. Postepay participates in the 'pioneer' workstream testing conditional payment systems and exploring digital euro use cases.
- Open FibercoreOpen Fiber provides fiber-to-the-home (FTTH) infrastructure for PosteCasa Ultraveloce fiber internet services, enabling broadband connectivity.
- TIM (Telecom Italia)coreTIM provides FTTH infrastructure for PosteCasa Ultraveloce fiber services, with specific configuration parameters required for ONT (Optical Network Termination) setup.
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
Postepay competitors and assessment
Company assessmentDirect peers
- Satispay: Italian mobile payment network offering a consumer app and merchant acquiring solution; competes directly with Postepay in Italian in-person and P2P payments with a pure-digital, app-first model.
- Hype: Italian neobank and prepaid card issuer (backed by Illimity Bank) serving retail and under-18 segments; directly overlaps with Postepay's Evolution, Digital, and Green card products in the Italian market.
- Nexi: Italy's largest payment processor and card scheme manager; competes with Postepay in merchant acquiring, card issuing infrastructure, and acceptance (POS) solutions across Italy.
- N26: Germany-based digital bank offering prepaid/debit cards and mobile payments with a pan-European footprint; competes with Postepay for Italian digitally-native customers seeking a banking alternative.
- Revolut: UK-headquartered digital bank offering multi-currency prepaid cards, P2P transfers, and merchant services across Europe; directly overlaps with Postepay's card, transfer, and remittance offerings in Italy.
- PagoBANCOMAT: Italian domestic payment network for POS and ATM transactions; Postepay cards integrate with PagoBANCOMAT and the two are interoperable in Italian in-person acceptance.
- Banca Sella: Italian bank with consumer and merchant payment products (including digital card issuing and acquiring); competes with Postepay in Italian retail payments and SMB acquiring.
- WorldRemit: Cross-border digital remittance provider; competes with Postepay's Western Union and MoneyGram-enabled international money transfer services for the Italian diaspora.
Broad incumbents
- PayPal: Global digital wallet and online payments incumbent with strong brand recognition in Italy; competes broadly with Postepay in e-commerce and P2P payments as part of a much larger portfolio.
- UniCredit: Major Italian bank offering consumer cards, acquiring, mobile, and PSD2 APIs; competes with Postepay across the Italian financial services stack as a full-service incumbent.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Postepay social profiles
Digital presencePostepay compliance and trust
Trust signalCompliance5 records
Postepay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Postepay leadership team
Management profileNumber of profiles
Postepay subsidiaries and ownership
Company hierarchySubsidiaries1 record
Postepay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Postepay 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 Postepay
What does Postepay do?
PostePay S.p.A. operates as an Electronic Money Institution (IMEL) issuing prepaid and debit cards (Postepay Evolution, Digital, Standard, Green) and providing a digital payment platform that integrates contactless payments, P2P transfers, merchant acquiring (SmartPOS, MPOS), e-commerce payment solutions, and international money remittances via Western Union and MoneyGram. The platform also bundles mobile (PosteMobile), home fiber internet (PosteCasa Ultraveloce), and energy services (Poste Energia), all accessible through the App Poste Italiane and the national Uffici Postali network.
Is Postepay a public or private company?
Postepay is a private company. It is classified as corporate owned and is currently operating.
When was Postepay founded?
Postepay was founded in 2018. It employs 251 to 500 people.
Where is Postepay based?
Postepay is headquartered in Roma, Italy, in the Europe region.
How does Postepay make money?
Six revenue lines are on record. Prepaid Card Issuance and Annual Fees are the primary driver. The others are payment Transaction Fees, mobile and Connectivity Services, energy Services, international Money Transfers and bank Transfer and Direct Debit Fees.
Who are Postepay's main competitors?
Direct peers on record are Satispay, Hype, Nexi, N26, Revolut, PagoBANCOMAT, Banca Sella and WorldRemit. Broad incumbents are PayPal and UniCredit.
Does Postepay have an API?
No public API is recorded for Postepay.
What industry is Postepay in?
Postepay's product category is Digital Payments and Prepaid Card Services. Its primary akta.pro industry code is BPAMAFAH, Card Issuing & Program Management Platforms, with a secondary code of FSAMANAL, Gift Card Processing, Issuance Platforms & Aggregators.