FairPay

What FairPay does

FairPay.pl is a Polish fintech service operated by Kaczmarski Group sp.j. (a partnership domiciled in Wrocław, Poland), delivering invoice monitoring, debt collection, and creditworthiness verification primarily to Polish small and medium enterprises, with a complementary consumer-facing credit-building product. The core System FairPay.pl tracks B2B invoice payment status, motivates timely payment by routing on-time payment records to KRD BIG SA — Poland's largest credit bureau — and, when payments lapse, escalates cases through affiliated debt collection (Kaczmarski Inkasso) and legal recovery (Kancelaria Prawna Via Lex), with collection costs typically borne by the debtor. The platform also operates Informacja Pozytywna, a service that records timely consumer payments (utility bills, credit installments) into the KRD database to help individuals build positive credit history and access better financing terms.

The technology stack is built around a web-based Customer Panel, supplemented by two proprietary desktop applications: FP Easy, which enables invoice submission without panel login, and FP Connect, which integrates directly with the dominant Polish accounting and ERP platforms — Comarch, Asseco, InsERT, and Sage — to automatically synchronise issued invoices into the monitoring system. A free invoice issuance program, Bezpieczna Faktura, extends the top-of-funnel into the moment of invoice creation. The platform is GDPR-compliant under Kaczmarski Group's data protection framework and benefits from the group's 20+ years of operational history in Polish credit information and debt recovery.

The business model combines subscription-based invoice monitoring, transaction-based debt collection executed through affiliated entities, and data monetisation via positive credit information. Distribution is predominantly product-led growth: customers self-register through the Customer Panel, deploy desktop connectors, or arrive via ERP-side integration, with marketing executed across owned digital channels (website, Facebook, YouTube, LinkedIn, Instagram). Pricing is quote-based for enterprise services and free for FP Easy and Bezpieczna Faktura; specific tier prices are not publicly disclosed. Operations are confined to the Polish market, with no disclosed international expansion.

Name

FairPay

Legal name

Kaczmarski Group spółka jawna

Website

https://fairpay.pl/

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

FairPay is an application that provides financial, economic information, factoring, debt collection, and recovery services.

Ownership category

akta.pro rank

Product category

Payment Monitoring and Debt Collection Software

NAICS

Credit Bureaus (56145), Collection Agencies (561440), Collection Agencies (56144)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Personal Credit Institutions (6141)

akta.pro primary industry

Recurring Billing & AutoPay Management (FSAMAJAE)

akta.pro secondary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Invoice monitoring services
• Debt collection services
• Payment tracking software
• Positive credit information
• B2B credit reporting

Headquarters

HQ city

Wroclaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Invoice Monitoring Services: Subscription-based monitoring of invoices through the FairPay.pl system, ensuring timely payments from clients
2. Debt Collection Services: Professional debt collection services executed at the debtor's cost, handled by Kaczmarski Inkasso and Via Lex legal firm
3. Positive Credit Information: Recording positive payment information to KRD BIG SA database for creditworthiness verification

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

FairPay.pl is a payment monitoring system operated by Kaczmarski Group that enables businesses to register unpaid invoices, monitor debtor payment status, and initiate professional debt collection actions. The system is paired with a Positive Credit Information service (Informacja Pozytywna) that lets businesses and consumers build verifiable payment histories with the national debt registry KRD BIG SA, incentivizing prompt payment through credit reputation.

Product overview

FairPay.pl is a System Terminowych Płatności (Term Payment System) operated by Kaczmarski Group Sp. j. The platform consists of the core System FairPay.pl and two supplementary applications: FP Connect (which integrates with accounting systems like Comarch, Asseco, and InsERT) and FP Easy (for quick invoice submission without panel login). The system also includes Informacja Pozytywna, a positive credit information service that rewards timely payments by recording them in the KRD BIG SA database. The FairPay system offers invoice monitoring, client credit checking, and debt collection services, all interconnected to ensure businesses receive payments on time.

Differentiator

Problem solved

Functional benefit

Products and services

• System FairPay.pl (System Terminowych Płatności) Web-based payment monitoring platform for Polish businesses that lets users register unpaid invoices, monitor debtor payment behavior, and escalate overdue receivables to professional debt collection, with integration into the KRD BIG SA national debt registry.
• Informacja Pozytywna (Positive Credit Information) Positive credit information service for individual consumers and businesses in Poland that registers evidence of timely payments with the national debt registry KRD BIG SA, helping users strengthen their credit reputation and improve access to credit.
• FP Easy Desktop application for FairPay customers that allows them to submit invoices into the FairPay.pl monitoring system without logging into the web customer panel.
• FP Connect Integration application that connects accounting and ERP systems to the FairPay.pl platform, enabling automated submission of invoices into the payment monitoring system.
• Bezpieczna Faktura Free invoice issuance program that integrates with the FairPay.pl system, providing users with a complete workflow from invoice creation to payment monitoring and collection.

Quantifiable outcome

• 75% of monitored clients pay within 7 days after due date
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• KRD Biura Informacji Gospodarczej S.A. (KRD BIG SA)coreTechnology or IntegrationStrategic partnership with Poland's largest credit bureau for credit information access and positive credit data recording. KRD BIG SA processes nearly 30 million reports annually and provides the data foundation for FairPay.pl's creditworthiness verification services.
• Kaczmarski Inkasso Sp. j.coreStrategic or Co-development PartnerIn-house debt collection company within Kaczmarski Group, providing professional debt recovery services as part of the FairPay.pl system. Offers comprehensive collection services with costs borne by the debtor.
• Kancelaria Prawna Via LexcoreImplementation/ SI/ Consulting PartnerLegal firm specializing in civil law and judicial debt recovery, providing legal support for complex collection cases within the FairPay.pl system.
• Rzetelna Firma (Reliable Company)minorStrategic or Co-development PartnerNational program promoting business reliability and honesty, part of the Kaczmarski Group ecosystem supporting FairPay.pl's mission.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• KRD Biura Informacji Gospodarczej: Poland's largest credit bureau and FairPay's Core strategic partner. Operates overlapping consumer/business credit reporting and debtor-verification services, but also serves as FairPay's underlying data infrastructure — making it the single most comparable (and ambiguous) peer.
• BIG InfoMonitor: Major Polish credit bureau operating consumer and business debtor registries with affiliated debt-collection services. Directly competes with FairPay in B2B credit information and positive-credit reporting for Polish SMEs.
• ERIF Biuro Informacji Gospodarczej: Polish credit bureau offering debtor registries, credit reports, and monitoring services for businesses. Competes with FairPay in the same SME credit-information category and shares the Polish-only geographic footprint.

Broad incumbents

• CRIF: Global credit bureau and business information provider with significant CEE presence including Poland. Offers credit reporting, scoring, and receivables management services overlapping with FairPay's core proposition at much broader scale.
• Bisnode (now Dun & Bradstreet): European business information and credit data provider (absorbed into D&B) historically dominant in Polish and CEE markets. Provides company credit reports and monitoring that overlap with FairPay's client-checking service.
• Atradius Collections: Global trade credit insurer and receivables services provider with full collections arm. Comparable in the debt-collection leg of FairPay's proposition (debtor-cost recovery) but operates at much larger multinational scale.
• Allianz Trade (formerly Euler Hermes): World's largest trade credit insurer with embedded credit-information and collections capabilities. Comparable to FairPay on the credit data / receivables side, though targeting larger enterprises across multiple geographies.

Regional players

• Creditreform: Germany-headquartered credit bureau network operating across European markets. Comparable business model — credit reporting, debtor verification, and affiliated collection services — but serves primarily DACH rather than competing head-on in Poland.
• Bürgel Wirtschaftsinformationen: German credit bureau providing business credit reports and debtor checks. Operates a similar SME-focused credit-information and monitoring model in DACH, illustrating the regional template FairPay could replicate in CEE.

Emerging players

• HighRadius: AI-driven order-to-cash and invoice / collections management platform serving mid-market and enterprise. Comparable technology-driven invoice monitoring and collections automation, though focused on larger customers and global markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCYr0Ra0sqTT1q5DMuM46dLw
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/system-fairpay-pl
• Instagraminstagram.com/program_fairpay.pl

Compliance1 record

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 FairPay