CashBill S.A.

Name

CashBill S.A.

Legal name

CashBill S.A.

Website

https://cashbill.pl

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Katowice

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment transaction commission: Charged as a percentage or fixed fee per processed online payment (cards, instant bank transfers, traditional transfers, BLIK, PayPal, PaySafeCard, Pay-by-Link across 24 banks). Commission is individually negotiated ("Zapytaj o prowizję"), with the merchant's own commission-optimization tool actively reducing the effective rate by selecting the cheapest rail at booking time.
2. White-label embedded checkout service: Provides a white-label version of the payment flow that merchants can run fully on their own domain; pricing is quote-based but charged under the same transaction-fee model as standard payments.
3. SMS Premium Rate commissions: Default 50% commission deducted from SMS Premium Rate revenue (MO mobile-originated at 1–25 PLN net per SMS, plus MT mobile-terminated subscription billing). Revenue is reduced by operator deductions that may occur up to 8 months after the original SMS.
4. Outgoing payout / settlement to merchants: D+1 settlement (manual or automated) of collected funds minus commission to the merchant's bank account, generating float and treasury value in addition to commission revenue.

Pricing tiers

Go-to-market motion5 records

Distribution channels6 records

Marketing channels6 records

Core offering

CashBill S.A. operates an online payment-processing platform for Polish e-commerce merchants, aggregating cards, BLIK, PayPal, PaySafeCard and Pay-by-Link instant bank transfers across 24 Polish banks behind a single integration. It also provides SMS Premium Rate micropayments (MO/MT) across all four major Polish mobile operators, plus a self-serve merchant panel and a public REST API for programmatic payment, refund and payout management, with D+1 settlements.

Product overview

CashBill S.A. operates a single integrated online-payments platform, CashBill Online Payments, that Polish merchants can plug into their stores either through the CashBill Merchant Panel (panel.cashbill.pl) for self-service configuration, or programmatically through the CashBill REST API. On top of this core platform, CashBill offers a set of named modules and channels that merchants can mix and match: the Pay-By-Link immediate bank-transfer channel (covering 24 Polish banks), CashBill SMS Premium Rate micropayments (with the SMS MO, SMS MT subscription, SMS Kod Automatyczny and Marketing SMS sub-products), the White Label embedded checkout, and the hosted HTML Payment Form. Operational add-ons layer on top of the same transaction engine, including the CashBill Commission Optimization Tool, Automatic Refunds, D+1 Payout and Underpayment Handling, plus a ready-made Affiliate Program. Distribution is supported by an extensive catalogue of native e-commerce platform integrations (Presta Shop, WooCommerce, Magento, Shoper, OpenCart, WHMCS, IAI Shop, and many others) and a downloadable pack of CashBill marketing materials (banners, logos, payment-method icons).

Differentiator

Problem solved

Functional benefit

Products and services

• CashBill Online Payments

Quantifiable outcome

• Next-business-day (D+1) payouts to merchants, with optional full automation
• +3 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration33 records

Feature5 records

Partnerships

16 partnerships are on record, tiered core and major.

• PrestaShopcoreTechnology or IntegrationPre-built CashBill payment plugin for the PrestaShop e-commerce platform, listed first among CashBill's integrations. Enables Polish PrestaShop merchants to enable CashBill payments in a few clicks.
• WooCommercecoreTechnology or IntegrationDedicated CashBill payment integration module for the WooCommerce (WordPress) e-commerce platform.
• MagentocoreTechnology or IntegrationDedicated CashBill payment integration module for the Magento e-commerce platform.
• WHMCScoreTechnology or IntegrationCashBill payment integration for the WHMCS hosting billing & automation platform.
• IAI ShopmajorTechnology or IntegrationPre-built CashBill payment module for the IAI Shop Polish SaaS e-commerce platform.
• ShopermajorTechnology or IntegrationCashBill payment integration for the Shoper Polish SaaS e-commerce platform.
• SotemajorTechnology or IntegrationCashBill payment module for the Sote e-commerce platform.
• SellymajorTechnology or IntegrationCashBill payment module for the Selly Polish e-commerce platform.
• OpenCartmajorTechnology or IntegrationCashBill payment module for the OpenCart open-source e-commerce platform.
• Click ShopmajorTechnology or IntegrationCashBill payment module for the Click Shop Polish e-commerce platform.
• Orange (Polska)coreStrategic or Co-development PartnerPremium Rate operator relationship enabling CashBill to bill SMS Premium MO and MT micropayments on the Orange Polska mobile network.
• T-Mobile (Polska)coreStrategic or Co-development PartnerPremium Rate operator relationship enabling CashBill to bill SMS Premium MO and MT micropayments on the T-Mobile Polska mobile network.
• Plus (Polkomtel)coreStrategic or Co-development PartnerPremium Rate operator relationship enabling CashBill to bill SMS Premium MO and MT micropayments on the Plus/Polkomtel mobile network.
• Play (P4)coreStrategic or Co-development PartnerPremium Rate operator relationship enabling CashBill to bill SMS Premium MO and MT micropayments on the Play (P4) mobile network.
• Urząd Komunikacji Elektronicznej (UKE)coreOthersPolish Electronic Communications Office (UKE) — regulatory counterpart to whom Premium Rate service descriptions and terms are submitted when launching a new SMS Premium Rate service.
• Komisja Nadzoru Finansowego (KNF)Others

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Stripe: Stripe is a global online payments platform offering card acceptance, hosted and embedded checkout, and a deep public API. While not Poland-specific, it competes with CashBill for any Polish merchant wanting developer-first, API-led online payment acceptance.
• Adyen: Adyen is a global unified payments platform serving large enterprises with card, bank transfer and local payment method acceptance. It overlaps with CashBill on online payment processing and developer APIs at the larger end of the Polish merchant market.
• Paynow (mBank): Paynow is the mBank-owned Polish payment gateway for online stores, offering cards, BLIK and Pay-by-Link. It is a bank-incumbent competitor to CashBill for Polish e-commerce merchants, especially those already using mBank.
• imoje (PKO Bank Polski / PKO BP): imoje is the payment gateway of Poland's largest bank, PKO BP, offering Pay-by-Link, cards and BLIK to merchants. As a bank-owned incumbent it competes with CashBill on Pay-by-Link, especially where IKO/PeoPay rails matter, and benefits from inside-bank distribution.

Direct peers

• Przelewy24 (P24): Przelewy24 is a flagship Polish Pay-by-Link and online payment processor, now part of the Dotpay/Paysafe group, serving the same Polish online merchants with instant bank transfers, cards and BLIK — a direct functional competitor to CashBill's Pay-by-Link and acceptance offering.
• BlueMedia S.A. BlueMedia is a Polish online payment processor and SMS Premium operator serving e-commerce, public sector and media clients. It is directly comparable to CashBill in its bundled online payments + SMS Premium offering to Polish merchants.
• Autopay (Blue Media group): Autopay (formerly BlueMedia's online payment product line) provides online and mobile payment acceptance, including Pay-by-Link, BLIK and cards, to Polish merchants — a directly comparable product suite to CashBill's online payment platform.
• PayU Polska: PayU is one of the largest online payment gateways in Poland, offering card, BLIK, Pay-by-Link and installment acceptance to Polish e-commerce merchants. It directly competes with CashBill for the same Polish SMB and mid-market merchant base across the same payment methods.
• Tpay (Polski Standard Płatności sp. z o.o.): Tpay is a Polish payment gateway offering online card, BLIK and Pay-by-Link acceptance plus e-commerce integrations. It targets the same Polish SMB and mid-market merchants as CashBill and is a head-to-head competitor in Pay-by-Link coverage.

Emerging players

• PayLane: PayLane is a European payment processor offering online card and alternative payment acceptance with developer-friendly APIs. It overlaps with CashBill on the developer/embedded checkout and e-commerce platform integration use case, with a broader but less Poland-centric footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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 CashBill S.A.