VIAMO

What VIAMO does

VIAMO (legally BLIK SK, a.s. since October 2023) is a Slovak-licensed mobile payment institution founded in 2013 and headquartered in Bratislava. Its core product is a peer-to-peer (P2P) money transfer platform that allows consumers to send funds to any Slovak mobile phone number without knowing the recipient's bank account, with settlement to any Slovak bank account. The service is distributed through three branded applications: Tatra banka VIAMO (100K+ Google Play downloads), VÚB VIAMO (50K+ downloads), and the standalone VIAMO Plus app for customers of non-partner banks. VIAMO operates under a payment services license from the National Bank of Slovakia granted in 2018 and holds GDPR and AML compliance certifications. The company is a wholly owned subsidiary of Polski Standard Płatności, the operator of Poland's BLIK payment system, following the May 2023 acquisition.

The platform extends beyond P2P into a multi-method merchant payment gateway (VIAMO Platobná brána, launched 2021) that accepts VIAMO, BLIK, card payments, Apple Pay, Google Pay, and Sporopay through a single API integration. A third vertical covers educational institutions, integrated with the EduPage school management platform to enable automated payment-to-student matching for school fees, cafeteria charges, dormitory payments, and tuition across Slovak universities. Underlying technology combines iOS/Android mobile applications, a documented payment gateway API, PKI-based authentication with four-digit PIN protection, electronic signature standards, and recipient name/IBAN verification before payment authorization.

The business model is asymmetric: consumer P2P transfers are free, with revenue generated indirectly through bank partnerships and merchant transaction fees. Merchants pay 0.4% + €0.03 per BLIK transaction with no monthly or activation fees. Distribution is channel-dependent rather than direct — bank partner apps serve as the primary consumer acquisition channel, while merchants and schools are acquired through direct email outreach ([email protected]) and the EduPage partnership. The company operates exclusively in Slovakia, with explicit restrictions on international phone numbers and non-Slovak bank accounts. Named merchant customers span telecommunications (Telekom), insurance (Generali, Genertel), e-commerce (Martinus, Muziker, Andreashop), logistics (DPD, GLS), healthcare (Dr. Max), media (RTVS), and education (eight Slovak universities).

Name

VIAMO

Legal name

BLIK SK, a.s.

Website

https://viamo.sk

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

VIAMO (legally BLIK SK, a.s.) is a Slovak-licensed mobile payment institution offering phone-number-based P2P transfers, a multi-method merchant payment gateway, and school fee collection via EduPage, serving Slovak consumers, e-commerce merchants, and educational institutions under Tatra banka and VÚB banka partnerships.

Ownership category

akta.pro rank

Product category

Mobile Payments

akta.pro primary industry

Payment Orchestration Platforms (FSAGABAA)

akta.pro secondary industries

Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB), Payment Gateways & Orchestration (BPAMAFAA), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE)

Keywords

• Mobile payments
• Peer-to-peer transfers
• Payment gateway
• Merchant acquiring
• Digital wallet

Headquarters

HQ city

Bratislava

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Merchant Transaction Fees: VIAMO charges merchants transaction fees for payment processing. BLIK payment fees are 0.4% + 0.03€ per transaction. No monthly or activation fees are charged to merchants.
2. Consumer Service (Free for Users): P2P money transfers are free for consumers. Revenue is generated indirectly through bank partnerships and merchant transaction volume rather than direct consumer charges.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

VIAMO is a Slovak mobile payment platform that enables users to send money to any Slovak phone number without needing bank account details, with funds delivered to any Slovak bank account. The platform also operates a unified merchant payment gateway accepting VIAMO, BLIK, card, Apple Pay, Google Pay, and Sporopay payments, plus a school fee payment service integrated with the EduPage school management system.

Product overview

VIAMO is a Slovak mobile payment platform operated by BLIK SK, a.s., offering a portfolio of payment solutions. The core product is the VIAMO P2P service enabling phone number-based money transfers, available through branded bank apps (Tatra banka VIAMO, VÚB VIAMO) and the universal VIAMO Plus app. The VIAMO Platobná brána (Payment Gateway) extends these capabilities to merchants with support for VIAMO, BLIK, card, Apple Pay, Google Pay, and Sporopay. VIAMO Platby školám integrates with EduPage for school fee collections. Additional features include bill splitting, payment requests, and Payme payment links. The service is free for personal use and operates under a payment services license from the National Bank of Slovakia.

Differentiator

Problem solved

Functional benefit

Products and services

• VIAMO P2P Money Transfer
• VIAMO Plus
• VIAMO Payment Gateway (Platobná brána)
• VIAMO School Payments (Platby školám)
• Tatra banka VIAMO App
• VÚB VIAMO App
• BLIK Payments Acceptance

Quantifiable outcome

• Immediate payment notification to recipient
• +2 more outcomes

Named customers12 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

Integration7 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core.

• Polski Standard Płatności (PSP)coreStrategic or Co-development Partner · 1 May 2023Polski Standard Płatności, operator of the BLIK payment system in Poland, acquired VIAMO in May 2023. Following the acquisition, VIAMO was rebranded to BLIK SK, a.s. in October 2023. This acquisition positioned VIAMO under the BLIK umbrella, enabling potential synergies between Slovak and Polish payment systems.
• Tatra bankacoreChannel Partner/ Reseller/ DistributorTatra banka offers VIAMO functionality within its mobile banking app (Tatra banka VIAMO). Bank customers can send money via phone number, split bills, and pay merchants. The partnership provides VIAMO distribution to Tatra banka's customer base. Tatra banka provides customer support via DIALOG Live.
• VÚB banka (Všeobecná úverová banka)coreChannel Partner/ Reseller/ DistributorVÚB banka offers VIAMO functionality within its mobile banking app (VÚB VIAMO). Bank customers with Flexiúčet, Start Generation, or Start konto študent accounts can use VIAMO free of charge. The partnership provides VIAMO distribution to VÚB's customer base. VÚB provides customer support via their Kontakt service line.
• EduPagecoreTechnology or IntegrationVIAMO is integrated into EduPage, a popular school management app used by Slovak educational institutions. Parents can pay school fees (cafeteria, tuition, dormitory) directly from the EduPage app via VIAMO. The integration provides automatic payment-to-student matching, eliminating manual reconciliation. Schools using EduPage can activate VIAMO payments directly from the platform.
• National Bank of SlovakiacoreOthersVIAMO received payment services license from the National Bank of Slovakia in 2018, authorizing it to operate as a payment service provider. This regulatory approval is fundamental to VIAMO's ability to offer payment services in Slovakia.

Scale indicators4 records

Recent moves11 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/VIAMOsk
• Facebookfacebook.com/viamosk
• LinkedInlinkedin.com/company/viamo-a-s-

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 VIAMO