What eService does

eService Sp. z o.o. is a Polish payment acceptance and electronic transaction processing company founded in 1999 and headquartered in Warsaw, operating as the largest acquirer in Central-Eastern Europe with approximately 532,400 payment terminals processed across Poland and 10 other European markets. Its core operations cover merchant acquiring across physical POS terminals, mobile SoftPOS (eService tom on iOS and Android), integrated terminals with fiscal cash registers (eService one, POSPAY with Posnet), and e-commerce payment gateway services — supporting acceptance of all major card schemes (Visa, Mastercard, Amex, Diners, JCB, UnionPay), BLIK mobile payments, and Apple Pay/Google Pay wallets. The technical stack combines VeriFone/Ingenico terminal hardware, PCI DSS-compliant processing, P2PE encryption (eService was the first Polish acquirer certified), EMV 3DS 2.1, and proprietary tokenization technology deployed across 8+ Polish city transit systems.

The company is jointly owned by EVO Payments International (66%, NASDAQ-listed) and PKO Bank Polski (34%), with CEO Joanna Seklecka leading since October 2017. Its go-to-market combines a direct enterprise sales force (securing large contracts like POLOmarket, Super-Pharm, Mila, LOTTO, PKN ORLEN, Polish Police, and Polish Tax Administration) with an exceptionally broad partner distribution network encompassing PKO Bank Polski branches, Poczta Polska's 4,700+ outlets and 22,000 postal carriers, and Orange Polska's 742 retail stores. The core revenue model relies on per-transaction processing fees and terminal rental/leasing, with significant promotional pricing under the government-backed Polska Bezgotówkowa program offering free terminals to qualifying merchants; secondary revenue streams include e-commerce gateway fees, hardware sales, loyalty services (eService Benefits), and merchant financing (POSCASH via Wealthon partnership). Customer segments span micro and SMB merchants (the primary acquisition channel), large enterprise retail chains, the public sector (police, customs, hospitals, municipal offices), and online retailers using the company's payment gateway.

Name

eService

Legal name

Centrum Elektronicznych Usług Płatniczych eService Sp. z o.o.

Website

https://eservice.pl

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Short description

eService is a Warsaw-based payment acquirer and electronic transaction processor serving Polish and Central-Eastern European merchants with POS terminals, SoftPOS (eService tom), integrated terminal-POS bundles, and e-commerce gateway services, holding approximately 30% Polish market share.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Merchant Acquiring & Card Processing (PSPs) (CRAFALAB), Merchant Acquiring & Processing Platforms (BPAMAFAB)

Keywords

• Payment processing services
• POS terminal services
• E-commerce payment gateway
• Mobile payment solutions
• Merchant acquiring services

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Payment Transaction Processing Fees: eService charges merchants a fee (percentage or fixed amount) for each card transaction processed through its terminal network. This is the primary revenue stream. Fees apply per transaction for VISA, Mastercard, BLIK, Diners Club, JCB, UPI, and other card schemes. Special promotional periods waive processing fees for the first 12 months under the Polska Bezgotówkowa program.
2. Terminal Rental and Leasing: eService offers terminals through rental agreements. The Polska Bezgotówkowa program subsidizes terminals for 12 months free, followed by 18 months at 1 PLN/month. Standard rental fees apply after promotional periods. Smart D220 terminals can also be acquired outright (ownership model).
3. E-commerce Payment Gateway Services: Online payment gateway services for e-commerce merchants, including payment processing, currency conversion (DCC), multi-currency support, and settlement services. Supports PLN settlements and processing in Czech Republic, Romania, Slovakia, and Hungary.
4. Hardware Sales (POS Terminals, PIN Pads): Sale of payment terminal hardware including Smart D220 and other terminal models, PIN pads for cash register systems, and fiscal device bundles (POSPAY with Posnet). Hardware can be purchased outright or provided free under promotional programs.
5. Loyalty and Add-on Services: eService Benefits loyalty program, gift cards (Karty Podarunkowe), mobile top-ups, cash withdrawals at point of sale, SafeLink payment link generator, and Business Intelligence tools for merchants.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels8 records

Core offering

eService provides card payment acceptance and electronic transaction processing services for merchants in Poland and Central-Eastern Europe. The company operates a network of over 532,000 payment terminals offering POS terminals, SoftPOS mobile solutions (eService tom), e-commerce payment gateways, and integrated fiscal/POS systems (eService one) for merchants ranging from micro-businesses to large enterprise chains and government institutions.

Product overview

eService is a comprehensive payment solutions provider offering a unified platform with multiple integrated modules. The core offering includes POS payment terminals and the innovative eService tom mobile payment application that turns smartphones into terminals. The eService one combines terminal, fiscal cash register, and sales system in one device. For e-commerce, the company provides an online store builder, payment gateway, and Pay by Link. Additional services include BLIK mobile payments (Poland's dominant mobile payment method), Dynamic Currency Conversion for international transactions, gift cards, loyalty programs (eService Benefits), and flexible financing options. The product portfolio spans physical point-of-sale terminals, mobile/telephone-based SoftPOS solutions, and comprehensive e-commerce/m-commerce platforms, unified under one operator with no subscription fees.

Differentiator

Problem solved

Functional benefit

Brands

• eService tom: Mobile payment terminal application that transforms smartphones and tablets into payment terminals
• eService one
• eService Benefits
• POSPAY

Quantifiable outcome

• eService processes over 532,000 terminals, representing ~30% of the Polish POS terminal market
• +3 more outcomes

Named customers14 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature7 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• WealthonminorStrategic or Co-development Partner · 14 August 2025eService and fintech company Wealthon formed a strategic partnership to support SME development through flexible POSCASH financing, enabling merchants to acquire payment terminals through favorable financing arrangements.
• TECS (telecommunication & e-commerce solution GmbH)minorStrategic or Co-development Partner · 9 June 2020Consortium of PKO Bank Polski, eService, and TECS won the contract to process toll payments for the viaTOLL system, a major Polish highway toll collection system.
• Bank PocztowycoreChannel Partner/ Reseller/ Distributor · 26 April 2019Bank Pocztowy signed a cooperation agreement with eService on April 26, 2019 for distribution of eService payment terminals and services through the Bank Pocztowy/Poczta Polska network of approximately 4,700 branches, targeting SME merchants in smaller towns and municipalities. Bank Pocztowy is co-owner with Poczta Polska (75%) and PKO Bank Polski (25%).
• Posnet (Polska S.A.)coreStrategic or Co-development Partner · 28 November 2018Posnet, Poland's leading fiscal device manufacturer, and eService co-developed POSPAY — the first Polish mobile device combining a fiscal printer/register with an eService payment terminal (Smart D220) and proprietary payment application in a single device. Distribution through Posnet's 1,700-authorized dealer network. First devices launched January 2019.
• Związek Banków Polskich (ZBP)coreStrategic or Co-development Partner · 12 June 2018eService signed an agreement to join the 'Bezpieczeństwo w Cyberprzestrzeni' (Cybersecurity) program initiated by ZBP, becoming the first and only acquirer to join this initiative alongside major banks and technology firms. Joint educational efforts for safe cashless transactions and digital payment security.
• Poczta Polska (Polish Post)coreChannel Partner/ Reseller/ Distributor · 1 March 2018Poczta Polska partnered with eService as part of the Coalition of Leaders for Cashless Poland, distributing free terminal agreements through 4,600+ post office branches and 22,000 postal carriers equipped with tablets. Poczta Polska also receives POS terminals for its own branch network.
• Orange PolskacoreChannel Partner/ Reseller/ Distributor · 1 March 2018Orange Polska participates in the Coalition of Leaders for Cashless Poland, distributing eService terminal agreements through 742 Orange salons and Smart Store locations, targeting SME merchants nationwide.
• VisacoreTechnology or IntegrationVisa is a core payment network partner enabling Visa, Visa Electron, and Visa Paywave card acceptance on all eService terminals. Joint initiatives include joint market research (December 2025), participation in the Polska Bezgotówkowa program, Visa Direct real-time payouts at LOTTO retail locations, and SoftPOS development with MYPINPAD using Visa's technology.
• MastercardcoreTechnology or IntegrationMastercard is a core payment network partner enabling Mastercard, Maestro, and PayPass card acceptance. eService and Mastercard co-published research on Polish consumer payment habits (2018-2020), and Mastercard is a co-partner in the Polska Bezgotówkowa program supporting cashless payment adoption.
• BLIK (Polski Standard Płatności)coreTechnology or IntegrationBLIK is Poland's dominant mobile payment system. eService provides BLIK acceptance across its terminal network and was among the first acquirers to activate BLIK on 50,000+ terminals. As of December 2025, BLIK codes can also be paid on eService tom application-based terminals.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Polskie ePłatności (Pep): Polskie ePłatności is a Polish payment acquirer and payment gateway operator directly competing with eService in Polish POS and e-commerce acquiring, with similar focus on multi-channel distribution and SME merchants.
• PayU: PayU is one of the largest online payment gateways in Poland (and a major Polish acquirer through its PayU acquiring license), offering BLIK, cards, and e-commerce checkout directly competing with eService's gateway and acquiring services.
• Przelewy24 (P24): Przelewy24, now part of the Nets/Nexi group, is a major Polish online payment gateway offering BLIK, cards, and e-commerce checkout, directly overlapping eService's payment gateway product set for Polish merchants.
• Tpay: Tpay is a Polish payment gateway and acquiring-adjacent platform providing online and mobile payment acceptance for Polish merchants, directly competing with eService's e-commerce gateway and SoftPOS offerings.
• PolCard (First Data / Fiserv): PolCard, part of Fiserv, is a long-established Polish card acquirer offering POS terminal services to Polish merchants, directly competing with eService in the same physical POS acceptance market.
• SumUp: SumUp is a global mobile POS and SoftPOS provider with a direct presence in Poland, competing with eService tom and eService's mobile/SME terminal offerings.

Broad incumbents

• Worldline: Worldline is a large European payment processor with merchant services, terminals, and acquiring across multiple CEE and Western European markets, offering overlapping capabilities to eService as a broader, multi-country incumbent.
• Nexi: Nexi is a leading European PayTech (and parent of Przelewy24 / Nets) offering payment acquiring, gateways, and POS across CEE and the rest of Europe, directly relevant as a broader incumbent that already competes in Poland.

Emerging players

• Adyen: Adyen is a global unified commerce PSP that has been expanding in Poland and CEE with online and in-person payment acceptance, increasingly competing with eService for enterprise and large e-commerce merchants.
• Stripe: Stripe is a global internet-first payment processor with a growing presence in Poland, directly competing for online merchants using eService's e-commerce gateway and now leveraging eService's rails for Tap to Pay on iPhone.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/eService_pl
• YouTubeyoutube.com/@eservice4282
• Facebookfacebook.com/eServicePL
• LinkedInlinkedin.com/company/eservice-s.a.
• Instagraminstagram.com/eservice.pl

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 eService