What Portmone.com does

Portmone.com is a Ukrainian online payment service provider operating two interconnected products: a consumer-facing bill-payment platform at portmone.com.ua (covering utilities, mobile top-up, internet, TV, telephony, insurance, transport, taxes, fines, education, P2P transfers and charity) and a merchant-facing internet-acquiring platform branded Portmone Business. The technical stack is built around a PCI DSS-certified payment gateway that supports card payments (Visa, Mastercard, ПРОСТІР), wallets (Apple Pay, Google Pay), the proprietary BankPay bank-direct method, MasterClick, payment links, QR codes, mass invoicing, installments via PrivatBank / Monobank / Oschadbank, and storefront integration via API, iframe or a hosted payment page. Free ПРРО software-cash-register fiscalization is bundled into the merchant offering, providing direct reporting to the Ukrainian State Tax Service — a regulatory feature that materially reduces merchant integration cost. The platform also integrates with the Ukrainian government identity app Дія for document-driven flows (parking fines, OSAGO, tax payments) and with messenger platforms (Telegram, Viber) for chatbot-based acceptance.

The business model is transaction-fee based on both sides of the marketplace: consumers pay per-transaction commissions (typically 1–2% with category-specific minima) and merchants pay acquiring commissions, both negotiated and tiered. A consumer-facing recurring revenue layer is the 'Місяць' subscription at 39.90 UAH/month covering commission-free payments up to 5,000 UAH. A third revenue stream is affiliate/loyalty economics via the cashback program, where partner merchants fund rewards redeemable against Portmone services. Distribution is omnichannel: self-serve PLG on the consumer side, a field-sales motion with personal integration managers on the B2B side, channel partnerships (RO App CRM, RESERVBLE, Мій Нотaріус, Visa, Tolk), and event-driven activity at Ukrainian fintech forums. Operationally, Portmone serves the consumer mass market across all of Ukraine (with documented exclusion of temporarily occupied territories) and more than 10,000 merchant entities ranging from individual entrepreneurs to large corporates such as Kyivstar, MOYO, adidas, PrivatBank and Oschadbank. Portmone is incorporated as LLC 'Finance Company MBK' (ТОВ 'Фінансова компанія МБК') under director Volodymyr Khayan, with no disclosed external PE/VC ownership and no IPO pathway identified.

Name

Portmone.com

Legal name

ТОВ "Фінансова компанія МБК" (LLC "Finance Company MBK")

Website

https://portmone.com.ua

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Portmone.com is a Ukrainian online payments platform that lets consumers pay utility, mobile, internet, tax and P2P bills, while Portmone Business provides PCI-DSS-certified internet acquiring and a payment gateway to over 10,000 merchants across retail, telecom, banking and services verticals in Ukraine.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

akta.pro secondary industries

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ), P2P Transfers & Remittances Platforms (BPAMAFAE)

Keywords

• Online bill payment
• Internet acquiring
• Payment processing
• Merchant payment gateway
• Money transfer services

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction/Commission Fees (B2C): Per-transaction commission fees charged to consumers for bill payments across categories. Rates vary: utilities up to 1.5% (min 5 UAH), internet up to 2% (min 3 UAH), mobile 2% (min 3 UAH), money transfers 1%+5 UAH, credit repayment 1% (min 10 UAH), taxes 1.52% (min 3-5 UAH). Some providers have no commission.
2. Internet Acquiring Fees (B2B): Commission fees charged to merchants (merchants) for processing online payments through the payment gateway. Merchants range from small entrepreneurs to large corporations (10,000+ merchants). Custom pricing conditions available.
3. Monthly Subscription ('Місяць' Tariff): Monthly subscription fee of 39.90 UAH for consumers providing commission-free payments for utilities, internet, mobile, transport, security, TV, and telephony up to 5,000 UAH turnover. Package auto-renews with additional 39.90 UAH charges per each new 5,000 UAH block.
4. Cashback Program: Registered users earn cashback (1 ball = 1 UAH) on purchases from partner merchants. Bonuses can be used to pay commission, subscribe to 'Month' tariff, or top up mobile. Creates loyalty and engagement.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels6 records

Core offering

Portmone.com is a Ukrainian online payment system that provides a consumer platform for paying utility bills, mobile top-ups, internet, TV, insurance, taxes, fines, education, transport, and P2P money transfers through web and mobile apps with a cashback program. Portmone Business, its B2B division, provides internet acquiring and a payment gateway to 10,000+ merchants with API integration, payment links, QR codes, mass billing, installments, autopayments, and ПРРО fiscalization. The platform supports cards (Visa, Mastercard, ПРОСТІР), digital wallets (Apple Pay, Google Pay), and the proprietary BankPay technology.

Product overview

Portmone.com is a multi-channel online payment platform offering a unified ecosystem for consumers and businesses in Ukraine. The consumer platform enables payment of utility bills, mobile phone top-ups, internet, TV, insurance, transport, taxes, and other services with cashback rewards and a subscription tariff option. Portmone Business provides internet acquiring and merchant payment solutions including payment gateway integration (API/iframe/button), merchant dashboard, QR codes, payment links, mass billing, online installments (with PrivatBank, Monobank, Oschadbank), auto-payments, fraud monitoring, cash register (ПРРО) fiscalization, and chatbot integrations for Viber/Telegram. The product portfolio includes the core consumer and B2B platforms, subscription 'Month' tariff (39.90 UAH/month), cashback program, electronic receipts with КЕП, P2P transfers, mobile applications, and the recently launched vehicle management feature.

Differentiator

Problem solved

Functional benefit

Products and services

• Portmone.com Consumer Platform Online payment platform for Ukrainian consumers that enables payment of utility bills, mobile phone top-ups, internet, TV, insurance, taxes, fines, transport tickets, education, charity donations, and P2P card-to-card transfers through a single account, with autopayments, electronic receipts with КЕП, and a multi-category cashback program.
• Portmone Business B2B internet acquiring and merchant payment solutions platform serving Ukrainian businesses of all sizes, offering payment gateway integration, merchant dashboard, payment links, QR codes, mass billing, online installments, autopayments, fraud monitoring, ПРРО fiscalization, and messenger chatbot payments via Viber and Telegram.
• Internet Acquiring / Payment Gateway Payment gateway solution for online merchants that processes card payments (Visa, Mastercard, ПРОСТІР), digital wallets (Apple Pay, Google Pay), BankPay, and MasterClick, with card tokenization, payment links, QR codes, mass invoicing, installment payments, and autopayments; PCI DSS certified.
• Tariff 'Month' (Тариф «Місяць») Consumer subscription package priced at 39.90 UAH per month that covers commission-free payments for utilities, internet, mobile, transport, security, TV, and telephony up to 5,000 UAH of monthly turnover, with an additional 39.90 UAH charged for each subsequent 5,000 UAH block used.
• Cashback Program Registered-user loyalty program that pays cashback (1 ball = 1 UAH) on purchases from partner merchants across electronics, clothing, beauty, books, marketplaces, and children's products categories, with bonuses usable to pay Portmone commission, subscribe to the 'Month' tariff, or top up mobile balance.
• Portmone Mobile Application Native Android (Google Play) and iOS (Apple App Store) applications that deliver the full Portmone consumer payment experience, including bill payment, mobile top-up, P2P transfers, cashback, and personal account management.
• P2P Money Transfers Card-to-card money transfer service that lets users send funds between Ukrainian bank cards via the Portmone web or mobile platform at a commission of 1% + 5 UAH.
• Portmone Payment Gateway API Developer-facing payment gateway API and documentation that allows merchants to integrate payment acceptance into their websites or applications via API, iframe, or payment button, with support for card payments, digital wallets, payment links, QR codes, invoice issuance, and transaction analytics.

Quantifiable outcome

• 98% payment conversion rate
• +2 more outcomes

Named customers17 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

Integration11 records

AI capability2 records

Feature11 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Мій НотаріусcoreTechnology or Integration · 8 April 2026'Мій Нотаріус' is a new digital service for notaries with built-in Portmone internet acquiring. This embedded payment solution allows notaries to accept online payments directly within the notary digital platform.
• RESERVBLEminorGTM or Marketing Partner · 5 May 2025Joint promotion for HoReCa sector offering 1.3% commission rate for the first month of cooperation. RESERVBLE is a restaurant reservation/management platform and the partnership targets restaurant and hospitality businesses.
• RO AppcoreTechnology or Integration · 1 January 2025Portmone and RO App launched an integration for automating online payments within CRM systems. This partnership enables Ukrainian businesses using RO App CRM to seamlessly integrate Portmone's payment processing capabilities, streamlining their sales and payment workflows.
• VisacoreStrategic or Co-development Partner · 1 July 2024Visa partnered with Portmone for the 'Підтримай Своїх' program offering new merchants 0% commission on first 50,000 UAH of Visa card turnover. This is the second time Visa supported such a promotion with Portmone, targeting small and medium businesses in Ukraine.
• TolkminorStrategic or Co-development Partner · 1 January 2022Portmone and Tolk launched a joint service to help Ukrainians. After the full-scale invasion, many households faced material difficulties and this partnership provided assistance services.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• WayForPay: WayForPay is a Ukrainian payment service provider offering internet acquiring, payment gateway, and merchant tools, directly comparable to Portmone Business with overlapping B2B payment gateway capabilities for Ukrainian merchants.
• LiqPay (PrivatBank): LiqPay is PrivatBank's online payment platform providing P2P transfers, merchant acquiring, and bill payment. It is the closest direct competitor to Portmone in Ukraine, with similar consumer and merchant payment services and a much larger bank-owned distribution footprint.
• Fondy: Fondy is a Ukrainian-founded payment service provider offering online acquiring, payment links, and merchant processing for SMEs and enterprises, serving the same merchant acquiring segment as Portmone Business.
• EasyPay: EasyPay is a Ukrainian online payment system offering consumer bill payment and merchant acquiring services, directly competing with Portmone across the same categories (utilities, mobile, internet, TV) and merchant payment gateway use cases.

Broad incumbents

• Monobank: Monobank is a leading Ukrainian neobank offering free in-app bill pay, P2P transfers, installments, and merchant acquiring. While not exclusively a payment processor, it competes with Portmone's consumer bill-payment aggregation and B2B installment offerings.
• PrivatBank: PrivatBank is Ukraine's largest bank, operating LiqPay and direct bill-payment, installment, and merchant acquiring services. It is a critical partner to Portmone (installments, acquiring) and a broad incumbent competitor across consumer and merchant payments.
• Stripe: Stripe is a global internet acquiring and payment orchestration platform. While not active in Ukraine at scale, it represents the broader category benchmark for payment gateway APIs, dashboards, and merchant tools that Portmone Business mirrors.
• Adyen: Adyen is a global payments platform offering unified online, in-person, and marketplace acquiring. It serves as a comparable incumbent for the multi-method, multi-channel acquiring model Portmone provides to larger Ukrainian merchants.

Emerging players

• 2Checkout (now Verifone): 2Checkout is a digital commerce and online payment platform serving merchants globally with checkout, subscriptions, and fraud tools. It is comparable to Portmone Business for SMB and cross-border merchants adopting online acquiring, though operating at a different scale.
• Checkout.com: Checkout.com is a global payment processor providing acquiring, payment orchestration, and merchant tools. While targeting enterprise merchants globally, its underlying gateway architecture and multi-rail approach parallel Portmone Business's API and dashboard offering.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• GitHubgithub.com/Portmone
• Facebookfacebook.com/Portmone.com.ua
• LinkedInlinkedin.com/company/portmone
• Instagraminstagram.com/portmone_com_official

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Portmone.com