Name

Kar-Tel

Legal name

Kar-Tel sp. z o.o.

Website

https://kar-tel.pl

Company type

Private

Founded year

2013

Operating status

Operating

Ownership category

akta.pro rank

Product category

POS Payment Services

NAICS

Computer and Computer Peripheral Equipment and Software Merchant Wholesalers (423430), Agents for Wireless Telecommunications Services (517122)

SIC

Wholesale-Computers & Peripheral Equipment & Software (5045)

akta.pro primary industry

POS Terminal Hardware (Countertop, Mobile, PIN Pads) (FSAMADAA)

akta.pro secondary industries

Mobile POS (mPOS) Devices & Handheld Terminals (HDACAKAB), POS Payment Software & Middleware (Terminal OS, Apps, Device Management) (FSAMADAC)

Keywords

• POS payment terminals
• Payment processing services
• Virtual fiscal cash register
• Retail IT solutions
• Value-added POS services

Headquarters

HQ city

Gliwice

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Terminal Rental/Lease: Monthly rental fees for payment terminals. Standard pricing after promotional period is 9 PLN monthly. The Polska Bezgotówkowa program offers 12 months free rental for new customers.
2. Transaction Fees/Commissions: Commission charges on payment transactions processed through terminals. The Polska Bezgotówkowa program offers 0% commission on transactions up to 100,000 PLN for the first 12 months.
3. Value-Added POS Services: Commissions from phone top-ups, bill payments, SIM card registration, and Paysafecard/e-code sales processed through the POS terminal network.
4. Dedicated IT Solutions: Custom-designed payment and retail IT solutions for enterprise clients including system integration, electronic signature services, and data management services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Kar-Tel provides POS payment terminals, integrated virtual fiscal cash register solutions (Kasoterminal), and dedicated retail IT systems to merchants across Poland. The company complements its hardware with value-added POS services including phone top-ups, bill payments, SIM card registration, and Paysafecard sales, and operates a personal data management outsourcing service compliant with GDPR. Its solutions are deployed across more than 30,000 retail points of sale and process over 1.5 million personal-data transactions per month.

Product overview

Kar-Tel to polska spółka technologiczna oferująca zintegrowane rozwiązania płatnicze i teleinformatyczne dla handlu. Portfolio obejmuje terminale płatnicze (SmartPOS AISINO A90, SmartPOS NexGo N3, Ingenico Move/2500, Desk/2600, Desk/3200, Lane/3000), innowacyjny kasoterminal łączący wirtualną kasę fiskalną z systemem sprzedażowym i aplikacją płatniczą, usługi POS (doładowania telefonów, sprzedaż kart SIM, płatności rachunków, Paysafecard) oraz rozwiązania IT (systemy POS, zarządzanie danymi osobowymi, podpis elektroniczny). Firma zarządza bazą 30 000 punktów sprzedaży w Polsce i należy do PayTel/Grupy SIBS.

Differentiator

Problem solved

Functional benefit

Products and services

• SmartPOS AISINO A90 Payment Terminal Portable Android-based payment terminal with touchscreen, thermal printer, 4G/Wi-Fi/Bluetooth connectivity, and long-life battery; supports BLIK, contactless, chip, and magnetic stripe cards and is the carrier of Kar-Tel's unique tip, DCC, and Cash Back features. Designed for merchants, especially HoReCa businesses needing mobile checkout.
• SmartPOS NexGo N3 Mobile Terminal Mobile Android payment terminal with a 5.0-inch touchscreen, PCI-PTS 5.X and UPTS 2.X certifications, 4G, Bluetooth, quad-core processor, and 5200 mAh battery. Targeted at merchants needing portable payment acceptance.
• Ingenico Move/2500 Portable Terminal Portable payment terminal with 2.4-inch color display, backlit keypad, 2200 mAh Li-Ion battery, and GSM/Wi-Fi connectivity, integrated with fiscal cash registers. Designed for SMB and HoReCa merchants needing mobility.
• Ingenico Desk/2600 Countertop Terminal Countertop payment terminal with PCI-PTS 6.X certification, Ethernet/GSM/Wi-Fi connectivity, physical keypad, and compatibility with the Desk/1600 PIN pad. Targeted at fixed checkout counters.
• Ingenico Desk/3200 Countertop Terminal with Desk/1200 PIN Pad Countertop payment terminal with 2.7-inch monochrome display, physical keypad, GSM connectivity, and optional Desk/1200 PIN pad with contactless reader. Aimed at fixed checkout points requiring a PIN pad split.
• Ingenico Lane/3000 Programmable PIN Pad Programmable stationary PIN pad with 2.8-inch color display and PCI-PTS 4.x and 5.x certifications, integrated with fiscal cash registers and sales software. Used at retail checkouts that split customer-facing PIN entry from the cashier device.
• Kasoterminal Kar-Tel (Integrated Virtual Cash Register Terminal) Integrated device that combines a GUM-homologated virtual fiscal cash register, sales system, and payment application with a built-in printer and telecommunications modem, with automated reporting to CRK. Designed for Polish merchants needing a single device for sales registration and cashless payments.
• Phone Top-Up Service at POS (Doładowania telefoniczne) POS-based prepaid mobile phone top-up service distributed at the Kar-Tel terminal network in cooperation with T-Mobile, Orange, Play, Plus, MVNO and VOiP providers. Aimed at kiosk operators and small retailers seeking additional revenue at the point of sale.
• SIM Card Sale and Registration Service Kar-Tel's proprietary SIM card registration and sale system operable through terminal, sales system, or website. Used by retail partners to onboard mobile subscribers.
• Bill Payment Service at POS (Płatności za rachunki) POS-based bill payment service covering electricity, gas, water, TV, and phone bills. Provides retailers with an alternative revenue stream and consumer convenience at the point of sale.
• Paysafecard and E-code Sales at POS Sale of Paysafecard prepaid cards and e-codes at Kar-Tel POS terminals, enabling consumers to make online payments without disclosing card details. Used by retail agents and kiosks.
• POS System Solutions for Retail (Rozwiązania systemowe) POS systems combining hardware devices with dedicated software to create sales workstations optimized for the retail vertical, including customized solutions for retail chains. Deployed across over 30,000 POS points in Poland.
• Personal Data Management (RODO) Outsourcing Service Outsourced personal data processing, document circulation, and user management compliant with GDPR (RODO), supporting over 30,000 users and processing 1.5M personal-data transactions monthly. Sold to merchants and retail partners who need compliant handling of customer data.
• Szafir Qualified Electronic Signature Kit Qualified electronic signature kit (Szafir) for placing legally binding e-signatures and communicating electronically with public authorities. Sold as a retail IT add-on for merchants and partners.
• Polska Bezgotówkowa Program (Free Terminal Deployment) Distribution program offering free POS terminals to qualifying Polish SMEs and institutions for 12 months, with zero commission on transactions up to 100,000 PLN turnover and no installation/training fees. Available to businesses that have not accepted card payments in the past 12 months.

Quantifiable outcome

• 30,000 retail points of sale served across Poland
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Two partnerships are on record, tiered strategic and core.

• Aclas Polska sp. z o.o.strategicTechnology or IntegrationAclas Polska is a fiscal cash register manufacturer with over 25 years of experience in the fiscal device market. Partnership resulted in the first-in-Poland kasoterminal combining Aclas's virtual cash register with Kar-Tel's payment application, receiving GUM (Main Office of Measures) homologation.
• Mobile Network Operators (T-Mobile, Orange, Play, Plus)coreChannel Partner/ Reseller/ DistributorKar-Tel is a leading distributor working with major Polish mobile operators T-Mobile, Orange, Play, Plus, as well as MVNO and VOiP providers for phone top-up services at POS terminals.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• eService (Worldline Poland): One of Poland's largest payment acquirers and POS terminal operators, owned by Worldline. Directly competes with Kar-Tel for Polish merchant acquiring, terminal deployment, and integrated POS services for retail and HoReCa.
• PayTel S.A. Kar-Tel's parent company and the most direct peer: a Polish payment services provider and acquirer operating an omnichannel POS terminal network. Same customer base (Polish SMBs and HoReCa), same acquiring model, same product portfolio of terminals and VAS. Acquired Kar-Tel in May 2024 to consolidate this exact capability set.
• Polskie ePłatności (PeP): Polish payment services provider and POS terminal operator focused on SMB merchants across Poland. Competes head-to-head with Kar-Tel in terminal leasing, transaction processing, and value-added POS services.

Others

• Verifone: Global POS terminal hardware manufacturer whose devices compete with the Ingenico and NexGo models that Kar-Tel resells. Verifone also offers integrated payment solutions that overlap with Kar-Tel's kasoterminal concept in other markets.
• PAX Technology: Global POS terminal OEM with an Android SmartPOS lineup directly comparable to Kar-Tel's A90 and NexGo N3 offerings. A supply-side comparable and potential alternative OEM partner for Kar-Tel's distribution model.

Broad incumbents

• Fiserv (First Data Poland): Global payments and financial technology provider with a Polish merchant acquiring and POS deployment footprint through its First Data heritage. Competes with Kar-Tel for large Polish retail chains and integrated POS contracts, but as part of a much wider global portfolio.
• Elavon (U.S. Bank): Global merchant acquirer and payment services provider operating in Poland, serving SMB and enterprise merchants with card acceptance and POS solutions. Overlaps with Kar-Tel's acquiring and terminal offering but at greater scale and with broader European coverage.

Emerging players

• SkyCash: Polish mobile payments and financial services platform with a POS/merchant offering. Competes with Kar-Tel in selected Polish merchant segments, particularly for mobile-first SMB acceptance and bill-payment VAS.
• Tpay (OVHcloud): Polish online and in-person payment gateway offering POS terminals and acquiring services to SMBs. Overlaps with Kar-Tel on terminal deployment and merchant services in Poland, though with a stronger e-commerce heritage.
• SumUp: European mPOS specialist with strong penetration in Poland's SMB segment. Competes with Kar-Tel's lower-end terminal offering via mobile card readers and a low-cost subscription model, particularly for micro-merchants and first-time cashless adopters targeted by Polska Bezgotówkowa.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/kartelpl
• LinkedInlinkedin.com/company/kar-tel

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

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 Kar-Tel