Plati Online

What Plati Online does

Plati Online (PlatiOnline.ro) is a Romanian cloud-based integrated online payment processing platform operated by C Solution SRL, a privately-held Romanian LLC founded in 2001 by Cătălin Maftei and commercially active since 2002. The company serves Romanian small and mid-market e-commerce merchants, providing payment acceptance across credit and debit cards (with MasterCard SecureCode and Verified by Visa 3D Secure), zero-interest installment payments through five partner banks (Raiffeisen Bank, Banca Transilvania, Alpha Bank, BRD Finance, Garanti), recurring card payments, bank transfers, and offline cash collection at Poșta Română and Raiffeisen Bank branches via barcode-based payment slips with ITSN (Instant Transaction Status Notification) reconciliation. Beyond payments, C Solution operates a multi-product ecosystem including LivrariOnline.ro (a SaaS for courier delivery and cash-on-delivery management, launched 2013) and AdministratorOnline.ro (online customer support), with parcel locker delivery through PostaPanduri (Click&Collect) integrated with the payment and shipping stack.

The platform is built on a PCI DSS Level 1 certified Merchant Services Provider infrastructure (certified December 2014 by TrustWave) with SSL Extended Validation certificates, and is differentiated by its proprietary ARGUS anti-fraud system, which combines automated transaction-scoring algorithms with manual filtering by a sizeable in-house team of trained anti-fraud professionals. It exposes a full API and white-label SDKs for PHP, .NET, Python, Java, and Mobile Android, and ships free turnkey plug-ins for more than ten open-source e-commerce platforms (Magento, PrestaShop, OpenCart, WooCommerce, nopCommerce, osCommerce, Joomla/VirtueMart, HikaShop, ShopMania, ContentSpeed). Modular features include PayLink/PayButton, the MyAccount E-Wallet (Plati.online), CMessenger merchant messaging, and click-and-collect parcel locker delivery via PostaPanduri.

Plati Online monetizes primarily through per-transaction fees on card and offline cash payments, packaged in three tiers — PO Standard, PO Premium, and a custom-built PO Dedicated offering — supplemented by an affiliate/partner referral program and professional services for dedicated deployments. Distribution is sales-assisted (inside-sales team plus online enrollment form feeding merchant onboarding) and channel-based, with an active developer/partner program for web developers, hosting providers, and system integrators, and a flagship 2016 partnership with Webecom (Webeshop) that bundles PlatiOnline into 500+ SMB online stores. The company is privately controlled by its founder, with no external investors or institutional shareholders disclosed, and operates exclusively in the Romanian market.

Name

Plati Online

Legal name

C Solution SRL

Website

https://plationline.eu

Company type

Private

Founded year

2002

Operating status

Operating

Short description

Plati Online (PlatiOnline.ro), operated by C Solution SRL since 2002, is a Romanian cloud-based online payment processor serving small and mid-market e-commerce merchants with PCI DSS Level 1 certified card acceptance, multi-bank installments, the proprietary ARGUS anti-fraud engine, and companion shipping and customer support SaaS products.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

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

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

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

akta.pro secondary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Online payment processing
• Payment gateway services
• E-commerce payments
• Card payment processing
• Merchant payment solutions

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees on Online Card Payments: Core revenue stream — PlatiOnline charges per-transaction fees on credit/debit card payments processed through the platform. Supports multiple payment methods including online credit/debit cards, zero-interest credit card installments, recurring card payments, one-click login-and-pay card payments, and bank transfer settlement processed by PlatiOnline.
2. Cash Payment Processing Fees (Poșta Română / Raiffeisen Bank): Transaction-based fees for offline cash collection at Romanian Post Office branches and Raiffeisen Bank branches, enabled by barcode-based payment orders generated online.
3. Affiliate / Partner Referral Commissions: Enrollment commissions paid to developers, web hosting companies, system integrators and merchant-clients who enroll new merchants in the Plăți Online system. Affiliates earn money each time they enroll a new merchant and receive bank transfer payouts of accumulated commissions, with detailed reporting via an affiliate management interface.
4. Custom Dedicated Payment System Development: Custom development of dedicated online payment management systems on demand for clients with specific business needs (the 'PO Dedicat' / Dedicated PO tier), adapted to each company's particular working methods and industry characteristics.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Core offering

Plati Online operates a cloud-based integrated online payment processing platform (PlatiOnline.ro) for Romanian e-commerce merchants, supporting credit/debit card payments, zero-interest installments with partner banks, recurring card payments, bank transfer settlement, and offline cash collection at Romanian Post Office branches and Raiffeisen Bank branches. The platform is PCI DSS Level 1 certified and is sold in Standard, Premium, and fully custom Dedicated ('PO Dedicat') tiers. Companion SaaS products LivrariOnline.ro (courier/COD management) and AdministratorOnline.ro (online customer support) extend the offering into last-mile delivery logistics and merchant customer support, while the proprietary ARGUS engine provides anti-fraud protection across all payment methods.

Product overview

Plati Online operates a multi-product cloud platform for Romanian e-commerce, anchored by the core PlatiOnline.ro online payment processing system (offered in Standard, Premium, and dedicated 'PO Dedicat' tiers) and extended by companion C Solution products LivrariOnline.ro for shipping/COD management and AdministratorOnline.ro for online customer support. The platform bundles payment acceptance (cards via MasterCard/Visa with 3D Secure, zero-interest installments with partner banks, recurring payments, bank transfer, and cash via Poșta Română), fraud prevention via the proprietary ARGUS engine, free plug-in integrations for major shopping carts (Magento, PrestaShop, OpenCart, WooCommerce, nopCommerce, osCommerce, VirtueMart, HikaShop, ShopMania, ContentSpeed), and modular features such as PayLink/PayButton, the MyAccount E-Wallet, the Click & Collect service via PostaPanduri parcel lockers (powered jointly with LivrariOnline), the ITSN instant transaction notification service, and a CMessenger communication tool.

Differentiator

Problem solved

Functional benefit

Brands

• LivrariOnline.ro: Cloud-based SaaS platform for managing courier deliveries and cash-on-delivery (ramburs) payments, connecting online stores with selected domestic courier and postal service providers.
• AdministratorOnline.ro
• PostaPanduri.ro
• ARGUS

Products and services

• PlatiOnline (PlatiOnline.ro) Cloud-based integrated online payment processing platform for Romanian e-commerce merchants, supporting credit/debit card payments (with 3D Secure), zero-interest installments with partner banks, recurring card payments, bank transfer settlement, and offline cash collection at Romanian Post Office and Raiffeisen Bank branches. Includes the proprietary ARGUS anti-fraud system, PCI DSS Level 1 security, merchant onboarding, transaction management, and reporting, with free native integration plugins for 10+ major e-commerce platforms.
• LivrariOnline.ro SaaS web platform that connects online shops with courier and postal providers and manages cash-on-delivery (ramburs) tracking and processing, with automated AWB generation, courier rate configuration, recipient SMS/email notifications, and Click&Collect integration with PostaPanduri parcel lockers. Operated by C Solution SRL.
• AdministratorOnline.ro
• PlatiOnline Dedicat (PO Dedicat) Customized, dedicated version of the PlatiOnline payment platform tailored to a merchant's specific business workflows and industry vertical. Includes a dedicated interface, dedicated security and certifications, dedicated anti-fraud system, virtual terminal, recurring online payments, dedicated call center services, and other enterprise-grade features; deployed on demand with custom development.
• POS Mobile Android Pilot mobile point-of-sale application for Android (versions 3 / 4.x) offered by PlatiOnline for merchants needing mobile payment acceptance.

Quantifiable outcome

• 45% of FarmaciaTei.ro customers (the largest online pharmacy in Romania) pay online by credit and debit cards through the PlatiOnline payment platform.
• +2 more outcomes

Named customers2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability2 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered flagship partnership — gives plationline bundled distribution through 500+ webeshop merchants., core — enables the offline cash payment acceptance option that differentiates plationline in the romanian market., core — underpins the click&collect delivery-to-parcel-locker service offered jointly with livrarionline.ro., core — defines the pci dss level 1 security standard that plationline is certified against and enables 3d secure card acceptance., core — auditor for the company's pci dss certification., minor — single-event sponsorship and speaking opportunity. and minor — single-event booth participation..

• Webecom (Webeshop)flagship partnership — gives plationline bundled distribution through 500+ webeshop merchants.Strategic or Co-development Partner · 21 April 2016PlatiOnline–Webecom partnership announced 21 April 2016 for online card payment implementation, aimed at helping SMBs adopt secure, efficient online card payment methods. Delivers a turnkey online store with integrated PlatiOnline.ro card payment module on the Webeshop platform. Includes free technical support (including the PlatiOnline.ro module) for all Webeshop users, special pricing for new stores on Webeshop with PlatiOnline.ro, and a promotional offer for existing Webeshop users. Webecom has built 500+ online stores over 10+ years under the slogan 'Digitalize your business'.
• Poșta Română (Romanian Post Office)core — enables the offline cash payment acceptance option that differentiates plationline in the romanian market.Strategic or Co-development PartnerPartnership for offline cash collection at Romanian Post Office branches. Service launched in February 2012 by C Solution. Customers can pay online orders/invoices in cash at any post office by presenting a barcode-based payment page sent via email and SMS. Daily reconciliations at 14:00 and 17:00 trigger ITSN (Instant Transaction Status Notification) to merchants. Customers have 4 calendar days to pay before the transaction expires.
• PostaPanduri.ro (Click&Collect parcel lockers)core — underpins the click&collect delivery-to-parcel-locker service offered jointly with livrarionline.ro.Technology or IntegrationClick&Collect service powered by LivrariOnline.ro and PlatiOnline.eu. Customers select a parcel locker (Pachetomat) at order placement, receive an SMS pickup code, and collect the package from the locker. Demoed live at I&M World 2016.
• MasterCard / Visa / American Express / Discover / JCB International (PCI Security Standards Council consortium)core — defines the pci dss level 1 security standard that plationline is certified against and enables 3d secure card acceptance.Technology or IntegrationCard network consortium that develops the PCI DSS Level 1 standard (the highest security standard in online payments). PlatiOnline integrates 3D Secure MasterCard SecureCode and Verified by Visa standards for transaction security. PlatiOnline is certified as a PCI DSS Level 1 Merchant Services Provider since December 2014.
• TrustWavecore — auditor for the company's pci dss certification.Implementation/ SI/ Consulting PartnerTrustWave is the certification body that issued the initial PCI DSS certificate on 11 February 2009 and subsequently assessed PlatiOnline for PCI DSS Level 1 certification achieved in December 2014.
• Internet & Mobile World (IMWorld 2014, Romexpo)minor — single-event sponsorship and speaking opportunity.GTM or Marketing PartnerC Solution / PlatiOnline was 'Online Payments Partner' of Internet & Mobile World 2014 (Romexpo, 8-9 October 2014) — recognized for over 12 years of experience in online payments and e-commerce. CEO Cătălin Maftei was invited speaker on the 'Driving Sales in a Connected World' panel alongside Urgent Curier, Copimaj, Avangate and ContentSpeed. The event hosted 120+ companies and 6,500+ specialist visitors.
• Expo I&M World 2016minor — single-event booth participation.GTM or Marketing PartnerPlatiOnline / C Solution participated as exhibitor at Expo I&M World 2016 (8 October 2016), presenting cloud services PlatiOnline, LivrariOnline and PostaPanduri to merchants and partners.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• euPlătesc: Romanian payment service provider offering online card processing for e-commerce merchants with bank partnerships and shopping-cart integrations; closest functional analogue to PlatiOnline within Romania.
• NETOPIA Payments: Romanian online payment processor directly competing with PlatiOnline in card acceptance, mobile payments and e-commerce integrations for Romanian merchants. Acquired by Visa, giving it substantially more capital and brand than PlatiOnline.
• PayU Romania: Romanian arm of global PayU/Prosus payment platform; competes head-to-head with PlatiOnline in online card processing, installments and merchant-acquiring for Romanian e-commerce merchants.

Broad incumbents

• Banca Transilvania: One of Romania's largest banks and a PlatiOnline installment partner (Star BT program) that also offers its own merchant acquiring and payment services, creating both partnership and competitive tension.
• Adyen: Global payments platform with EU-wide acquiring licenses; competes for larger Romanian merchants that might otherwise upgrade from PlatiOnline's Dedicated tier to a multi-market PSP.
• Stripe: Global online payments platform increasingly serving Romanian and CEE merchants directly; a broader incumbent whose developer-first API and modern tooling pose a substitution threat to PlatiOnline's mid-market and enterprise pipeline.
• Square (Block): Global payments and merchant services platform with SMB-friendly developer APIs and POS offerings; an adjacent broader incumbent whose expansion strategy in Europe positions it as a long-term competitor to SMB-focused PSPs.

Regional players

• Libra Internet Bank: Romanian digital-first bank offering merchant acquiring and online payment solutions to Romanian SMEs; an emerging regional incumbent overlapping with PlatiOnline's SMB target segment.

Emerging players

• SmartBill: Romanian cloud SaaS for invoicing and accounting used by tens of thousands of Romanian SMBs; an emerging player whose merchant relationships and fintech ambitions could overlap with PlatiOnline's e-commerce stack.
• Salt Bank: Newly launched Romanian digital bank backed by significant institutional capital; an emerging fintech entrant whose merchant services roadmap could encroach on PlatiOnline's Romanian SMB payments territory.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Plati Online