Paybylink

What Paybylink does

Paybylink is a Polish online payment gateway operator providing a unified aggregation layer for e-commerce merchants to accept multiple payment methods through a single integration. The company is operated by Systemy Płatnicze Robert Paszkowski, headquartered at Biurowiec Q22, Jana Pawła II 22, Warsaw, and is licensed as a payment institution under the Polish Financial Supervision Authority (KNF) with registration MIP31/2019. The platform connects merchants to 23 Polish banks for instant online bank transfers (the "Pay-By-Link" product) and to BLIK, the dominant Polish mobile payment standard, as well as to all four major Polish mobile operators (T-Mobile, Orange, Plus, Play) for Direct Carrier Billing and SMS Premium micro-payments, and to Paysafecard for prepaid voucher acceptance. A REST/JSON API with SHA256 server-to-server signature authentication and pre-built plugins for 15+ e-commerce platforms (Shoper, WooCommerce, PrestaShop, Magento 2, WHMCS, OpenCart, etc.) underpin the technical stack, and PCI DSS and GDPR compliance are maintained.

The product portfolio spans five payment rails — instant bank transfer, BLIK, SMS Premium, Direct Carrier Billing, and Paysafecard — with VISA/MasterCard card processing also offered. Onboarding is fully self-serve: merchants register online, pay a 1 PLN account-verification fee, and are activated within 24 hours. Revenue is generated almost entirely via per-transaction commissions, with tiered SMS Premium take rates of 50.5% to 52% depending on monthly volume, and an optional early-payout service for a 5% fee. There are no fixed monthly subscription fees for most services, and the company claims 37M+ cumulative transactions processed for its clients.

Paybylink serves a long-tail base of Polish SMB online merchants (e-commerce, digital content creators, gaming platforms, and subscription services) on a horizontal segmentation basis, with the website identifying thousands of merchants as customers and RTV AGD as one named example. Geographic scope is explicitly domestic — foreign businesses may only use the service if they hold a Polish bank account. The company is privately held with no institutional investors or parent company identified in the available data, and operates with 101–250 employees.

Name

Paybylink

Legal name

Systemy Płatnicze

Website

https://paybylink.pl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Paybylink is a KNF-licensed Polish online payment gateway that aggregates bank transfers, BLIK, SMS Premium, Direct Carrier Billing, and Paysafecard into a single integration for SMB e-commerce merchants, with 37M+ cumulative transactions processed and 23 Polish bank integrations.

Ownership category

akta.pro rank

Product category

Online Payment Processing

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Carrier Billing & Telco Mobile Money (FSAMAEAD)

Keywords

• Online payment gateway
• BLIK payment processing
• Direct carrier billing
• SMS premium payments
• E-commerce payment integration

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Commission — Online Payments: Merchants pay a commission on each successful transaction. Commission rates are tiered based on monthly volume: 50.5% for 0–10k PLN, 51% for 10–50k PLN, and 52% for volumes from 50,000+ PLN (for SMS Premium). Online bank transfer settlements are made on D+1 (next business day).
2. SMS Premium Revenue Share: Revenue shared between Paybylink, mobile operators, and merchant. Operators retain a percentage: Orange up to 27%, Plus up to 35%, Play up to 25%, T-Mobile up to 33%. Merchant's take-rate improves with volume (50.5% to 52%).
3. Direct Carrier Billing Commission: DCB transactions generate commission split with mobile operators. No fixed fees charged to merchants. Early payout option available with 5% commission.
4. Account Activation Fee: 1 PLN one-time activation fee for merchant account verification, confirmed by bank transfer verification.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Paybylink operates an online payment gateway that lets Polish e-commerce merchants accept multiple payment methods through a single integration: instant bank transfers (pay-by-link) from 23 Polish banks, BLIK mobile payments, SMS Premium micro-payments, Direct Carrier Billing via the four major Polish mobile operators, and Paysafecard prepaid cards. Merchants self-register, pay a 1 PLN activation fee, and integrate via REST API or pre-built plugins for platforms such as Shoper, WooCommerce, PrestaShop, and Magento 2.

Product overview

Paybylink is an online payment gateway operator offering a unified platform with multiple payment methods. The core product is Pay-by-Link enabling instant bank transfers and BLIK mobile payments, supplemented by SMS Premium and Direct Carrier Billing modules for mobile micro-payments, and Paysafecard for prepaid card transactions. The platform integrates with 23 Polish banks and major telecom operators, serving e-commerce businesses with a commission-based pricing model.

Differentiator

Problem solved

Functional benefit

Products and services

• Pay-by-Link (Szybkie Przelewy Online) Core online payment gateway enabling merchants to accept instant bank transfers from Polish customers. Automatically fills transfer data to eliminate customer-input errors and integrates with 23 Polish banks.
• BLIK Payments Mobile payment method allowing customers to complete transactions by entering a 6-digit code from their banking app. Supports major Polish banks including Alior Bank, mBank, PKO, Santander, ING, Bank Millennium, and others.
• SMS Premium Premium SMS micro-payment service where customers send text messages to short numbers to authorize payments. Supports variable pricing tiers from 1 PLN to 25 PLN and includes marketing SMS campaign capabilities.
• Direct Carrier Billing (DirectBilling) Mobile payment method that adds charges to post-paid phone bills or deducts from prepaid balances, without the SMS-number constraints of classic SMS Premium. Available through T-Mobile, Orange, Plus, and Play networks for transaction values from 1 grosz to 150 PLN.
• Paysafecard Prepaid card payment system allowing anonymous online purchases without bank accounts or credit cards. Cards available in 450,000+ retail points worldwide in denominations of 20, 30, 50, 100, and 200 PLN.

Quantifiable outcome

• 37M+ transactions processed for clients

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core.

• BLIK (Polski Standard Płatności)coreTechnology or IntegrationBLIK is Poland's dominant mobile payment system. Paybylink integrates BLIK to allow merchants to accept payments via 6-digit codes generated in banking apps. Supported by Alior Bank, Bank Millennium, Santander, ING, mBank, PKO, Getin Bank, T-Mobile Usługi Bankowe, BNP Paribas, Credit Agricole, and Pekao.
• 23 Polish Banks (PKO, mBank, ING, Santander, BNP Paribas, Pekao, and others)coreTechnology or IntegrationPaybylink connects to 23 Polish banks for instant online bank transfers. Banks include: mBank, Pekao SA, ING, Bank Pocztowy, Santander, Alior Bank, PKO BP, BNP Paribas, Inteligo, Idea Bank, Credit Agricole, Neobank, NestBank, Millennium, Getin Bank, Citi Handlowy, and others. Enables automatic pre-filling of transfer data.
• T-MobilecoreTechnology or IntegrationT-Mobile is one of four Polish mobile operators supporting Direct Carrier Billing through Paybylink. Allows subscribers to pay via phone bill or prepaid deduction. T-Mobile retains up to 67% of DCB transaction value.
• OrangecoreTechnology or IntegrationOrange provides Direct Carrier Billing infrastructure for Paybylink merchants. Orange subscribers can charge purchases to their mobile account. Orange retains up to 73% of transaction value.
• Plus (Polkomtel)coreTechnology or IntegrationPlus network supports Direct Carrier Billing through Paybylink for prepaid and postpaid subscribers. Plus retains up to 65% of transaction value.
• PlaycoreTechnology or IntegrationPlay provides DCB payment infrastructure for Paybylink. Play retains up to 75% of DCB transaction value, giving Play subscribers the ability to pay via phone bill.
• Paysafecard (Prepaid Services Company)coreTechnology or IntegrationPaysafecard is a prepaid voucher system available in 42 countries at 450,000+ retail points. Paybylink processes Paysafecard payments, enabling merchants to accept prepaid card payments without card data.
• Shoper.plcoreTechnology or IntegrationShoper is one of Poland's largest e-commerce platforms. Paybylink provides a dedicated plugin allowing Shoper merchants to easily add all Paybylink payment methods to their stores.
• WooCommercecoreTechnology or IntegrationPopular WordPress e-commerce plugin. Paybylink offers a downloadable plugin (including version 9+) for WooCommerce merchants to accept Paybylink payments.
• PrestaShopcoreTechnology or IntegrationPaybylink provides dedicated plugins for PrestaShop versions 1.7.x and 1.8.x enabling all payment methods in the platform.
• Magento 2coreTechnology or IntegrationPaybylink offers a downloadable module for Magento 2, one of the world's most popular e-commerce platforms, allowing merchants to accept Paybylink payment methods.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Stripe: Global payments infrastructure provider serving SMB and enterprise merchants with cards, APMs, and APIs. Operates in Poland and competes for the same e-commerce merchants as Paybylink, with vastly greater product breadth and capital base.
• Adyen: Global unified-commerce payment platform serving enterprise merchants with cards and local APMs. Provides card acquiring and local payment methods in Poland and across Europe, competing for the same merchant relationships Paybylink targets.

Direct peers

• Tpay (Blue Media): Polish payment gateway operated by Blue Media, covering online bank transfers, BLIK, cards, and mobile payments for online merchants. Closely comparable SMB e-commerce focus and Polish payment-method portfolio.
• Dotpay: Established Polish payment gateway (now part of the eCard / Nets Group) offering online transfers, BLIK, cards, and APMs. Directly comparable merchant base and product mix to Paybylink.
• Przelewy24 (P24): One of Poland's largest online payment gateways, offering bank transfers, BLIK, cards, and APMs to SMB and enterprise merchants. Directly comparable to Paybylink in product scope and Polish SMB target market.
• CashBill: Polish online payment processor serving e-commerce and digital content/gaming merchants with bank transfers, BLIK, cards, and SMS Premium. Highly comparable product mix to Paybylink, particularly on the SMS Premium / DCB side.
• Autopay (Blue Media): Polish online and offline payment gateway from Blue Media, covering online transfers, BLIK, cards, and mobile payments. Operates in the same Polish merchant market as Paybylink with overlapping SMB focus.
• Paynow (mBank): Polish online payment gateway from mBank offering BLIK, online bank transfers, and cards to merchants. Directly comparable to Paybylink on bank-transfer and BLIK acceptance for Polish e-commerce.
• HotPay: Polish payment processor focused on online bank transfers, BLIK, SMS Premium, and Direct Carrier Billing for e-commerce and digital content merchants. Closely matches Paybylink's product portfolio and micro-payment specialisation.
• PayU Poland: Major Polish payment processor (backed by Prosus/Naspers) offering card acquiring, BLIK, bank transfers, and instalments. Overlaps Paybylink's merchant base and Polish payment-method coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/paybylinkpl
• LinkedInlinkedin.com/company/paybylink-pl

Compliance2 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 Paybylink