epay Polska
epay Polska distributes prepaid gift cards, mobile top-ups, and card payment services through an extensive Polish retail network of convenience stores, gas stations, and online marketplaces. It operates as the Polish prepaid arm of Euronet Worldwide.
- Company typePrivate
- Founded1995
- HeadquartersWarsaw, Poland
- Headcount1–10
- GTM typeB2B
- OfferingServices
What epay Polska does
epay Polska is the prepaid services brand of Euronet Polska Sp. z o.o., a Polish limited liability company headquartered in Warsaw and wholly owned by Euronet Worldwide, a NASDAQ-listed global payments group that operates the largest ATM network in Europe. Founded in 1995, the company distributes gift cards, mobile phone top-ups, payment card acceptance, bill payment services, and prepaid utilities (energy meter top-ups for ENERGA, ENEA, and TAURON; Warsaw and Lublin city card top-ups; SIM card registration; prepaid SIM sales) through an extensive Polish retail network. Its core technology stack consists of VeriFone (VX 510, 520, 610, 675) and Ingenico (ICT, IWL) payment terminals deployed at merchant sites, supporting contactless NFC, EMV chip-and-PIN, magnetic stripe, and GPRS/Ethernet connectivity, with cash-to-online payment functionality delivered via Paysafecash barcode technology and Paysafecard.
The company's product portfolio spans more than 35 branded gift card SKUs across gaming (PlayStation, Xbox, Nintendo, Steam, Roblox, World of Tanks, League of Legends, Blizzard, Origin, Minecraft), streaming and entertainment (Netflix, Spotify, Tidal, Twitch, CDA Premium, Player, Canal+), fashion and lifestyle (Adidas, Nike, Zalando, TK Maxx, VAN GRAAF, Empik), software and security (Microsoft 365, Norton, McAfee, Avast, Bitdefender), and general retail (Amazon.pl, Allegro, Google Play, App Store & iTunes, Tinder, Pyszne.pl, Wyjątkowy Prezent). Distribution occurs through physical retailers — convenience stores (Żabka, 1-Minute), newsstands (Relay, Inmedio, Kolporter), electronics chains (Media Expert, Komputronik, MediaMarkt, Saturn), gas stations (BP, Circle K, Lotos), and hypermarkets (Tesco, Auchan, Dino, Virgin) — supplemented by ASEC ticket machines at Warsaw and Mazovia-region train stations, and online channels including the home.pl Marketplace, Allegro, Bank Millennium e-commerce, and PAYBACK Polska's loyalty program.
The business model is transaction-fee based across three revenue streams: gift card and prepaid card distribution, mobile top-up processing (including Ukrainian operator top-ups via the Ding partnership across 3,500+ points), and terminal-based card payment acceptance. Pricing is denominated in small Polish zloty amounts (typically 20–500 PLN per card) with pay-as-you-go billing. The company targets individual consumers and SMB/enterprise retail partners, with go-to-market executed entirely through channel partner distribution rather than direct sales. Reported headcount is 11–50, consistent with a lean operational unit within a larger corporate parent, and the company is privately held with no independent funding activity.
epay Polska firmographics
Firmographics- Name
- epay Polska
- Legal name
- Euronet Polska Sp. z o.o.
- Website
- https://epaypolska.pl
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- epay Polska distributes prepaid gift cards, mobile top-ups, and card payment services through an extensive Polish retail network of convenience stores, gas stations, and online marketplaces. It operates as the Polish prepaid arm of Euronet Worldwide.
- Ownership category
- akta.pro rank
epay Polska industry classification
Industry- Product category
- Prepaid Distribution and Payment Services
- NAICS
- Agents for Wireless Telecommunications Services (517122)
- akta.pro primary industry
- Digital Goods & Gift Card Generalist Marketplaces (CRAFAAAJ)
Keywords
Where epay Polska is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
epay Polska business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Gift card and prepaid card distribution: epay Polska generates revenue by distributing digital gift cards, prepaid cards, and mobile top-up vouchers through its retail network. The company acts as an intermediary between content providers (gaming platforms, streaming services, retailers) and end consumers, earning margins on each transaction processed through their terminals and partner stores.
- Mobile top-up services: Revenue generated from processing prepaid mobile phone credit top-ups through terminals and partner retail locations, serving multiple mobile operators including Ukrainian operators through the Ding partnership.
- Card payment processing: Terminal-based payment card acceptance services enabling merchants to accept card payments, contributing to the overall revenue stream of the Euronet group.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Spotify Premium cards available in 3 denominations |
| One time/ perpetual license | Pay-as-you-go | PlayStation Store cards and subscription cards |
| One time/ perpetual license | Pay-as-you-go | Xbox gift cards and subscription bundles |
| One time/ perpetual license | Pay-as-you-go | Nintendo Switch Online membership cards |
| One time/ perpetual license | Pay-as-you-go | Netflix gift cards |
| Subscription | Pay-as-you-go | CDA Premium subscriptions |
| One time/ perpetual license | Pay-as-you-go | Nintendo eShop cards |
| One time/ perpetual license | Pay-as-you-go | App Store & iTunes gift cards |
| One time/ perpetual license | Pay-as-you-go | World of Tanks gift cards |
| One time/ perpetual license | Pay-as-you-go | VAN GRAAF gift cards |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels2 records
epay Polska product offering
Product offeringCore offering
epay Polska distributes prepaid products including branded gift cards, mobile phone top-ups, payment terminal services, and bill payment solutions through an extensive network of retail partner locations across Poland. The company operates as a distribution intermediary between content providers (gaming platforms, streaming services, retailers, mobile operators) and end consumers, earning transaction-based margins on each product processed through its terminals and partner stores. Services are delivered both to consumer-facing retail partners and to merchant businesses requiring card payment acceptance infrastructure.
Product overview
epay Polska is a prepaid services division of Euronet Polska offering a comprehensive portfolio of gift cards, mobile top-ups, payment terminals, and bill payment services through a widespread retail network across Poland. The core product line includes over 35 branded gift cards spanning gaming (PlayStation, Xbox, Nintendo, Steam, Roblox, World of Tanks, League of Legends, Blizzard, Origin), streaming (Netflix, Spotify, Tidal, Player, CDA Premium, Canal+), fashion (Adidas, Nike, Zalando, TK Maxx, VAN GRAAF), software (Microsoft 365, Norton, McAfee, Avast, Bitdefender), and general retail (Amazon, Allegro, Empik). Supporting services include mobile phone top-ups, card payment processing via VeriFone and Ingenico terminals, internet payments through paysafecard and Paysafecash, Warsaw and Lublin city card top-ups, energy meter top-ups for ENERGA/ENEA/TAURON, SIM card registration, and bill payment services. Gift cards are distributed through major retail chains including Relay, Inmedio, 1-Minute, Komputronik, Media Expert, Media Markt, Saturn, Empik, Statoil/Circle K, BP, Lotos, Tesco, and Auchan across 38 countries.
Differentiator
Problem solved
Functional benefit
Brands
- epay: A prepaid services brand offering gift cards, mobile top-ups, card payments, and bill payment services through terminals.
Products and services
- Branded Gift Cards and Digital Codes Distribution of prepaid gift cards and digital codes for more than 35 brands spanning gaming, streaming, software, fashion, and lifestyle categories, sold through the retail network across Poland.
- Mobile Phone Top-ups Processing of prepaid mobile phone credit top-ups for Polish and international mobile operators, available through terminals and retail points of sale.
- Card Payment Acceptance (Terminal Services) Deployment and operation of payment terminals (VeriFone and Ingenico) at merchant locations to enable acceptance of card payments from Polish and international banks and payment organizations.
- Paysafecash Online Payment Method Cash-based online payment method using barcode technology that enables consumers to pay for internet purchases at physical retail locations without needing a credit card or bank account.
- Paysafecard Online Payment Prepaid online payment method enabling consumers to make internet purchases without a credit card or bank account by using voucher-based payments.
- Warsaw City Card Top-ups Electronic top-up service for Warsaw and Lublin public transport cards, processed through terminals at retail locations.
- Energy Meter Top-ups Prepaid energy meter recharging service that prints voucher codes for prepaid electricity meters from Polish providers ENERGA, ENEA, and TAURON.
- Bill Payment Services Terminal-based bill payment service accepting payments for water, television, gas, electricity, rent, waste disposal, telephone, and insurance contributions.
- SIM Card Registration Service SIM card registration service required under Polish anti-terrorism legislation, including registration support for foreign nationals, available through partner retail locations.
- Prepaid SIM Sales Distribution of prepaid SIM starter packs for Polish mobile operators with point-of-sale display and promotional support at retail partner locations.
- Payment Terminal Hardware (VeriFone and Ingenico) Multi-application payment terminal hardware (VeriFone VX 510, VX 520, VX 610, VX 675; Ingenico ICT, IWL) deployed at retail locations for card payments, bill payments, SIM registration, top-ups, and city card reloads.
Quantifiable outcome
- Over 3,500 points of sale for Ukrainian mobile top-ups
- +2 more outcomes
Companies that use epay Polska
Customer profileNamed customers16 records
Segments1 record
Ideal customer profiles3 records
epay Polska technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
epay Polska partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- DingcoreEuronet Polska partnered with Ding to enable mobile phone top-ups for Ukrainian operators at over 3,500 points of sale in Poland. Ding is the #1 provider of international mobile top-up services, operating through online platforms and retail networks offering prepaid connections, data transfer, gift codes, and bill payment services. This partnership enables Ukrainian citizens in Poland to easily top up their family members' phones in Ukraine.
- home.plcorehome.pl, Poland's largest internet services provider for business and individual customers, deepened its partnership with Euronet Polska to add digital gift cards to their Marketplace. The new entertainment category includes Spotify Premium, Sony PlayStation, Xbox, Nintendo, Allegro gift cards, Empik, and Rakuten TV through epay's distribution network.
- PAYBACK PolskacorePAYBACK Polska, the largest multi-partner bonus program in Poland with 83 million active users across 11 countries, expanded its reward offerings to include gift cards from epay Polska. Gift cards for brands like Empik, Empik Go, Nintendo, Sony PlayStation, Microsoft Xbox and 365, Spotify, Tidal, and CDA Premium are now available as point redemption options.
- AllegrocoreAllegro is Poland's largest online transaction platform operating for 20 years, enabling over 1 million transactions daily with 100 million offers. epay distributes Allegro gift cards in denominations of 25, 50, and 100 PLN.
- SpotifycoreDistribution partnership for Spotify Premium gift cards available in denominations for 1-month (20 PLN), 3-month (60 PLN), and 6-month (120 PLN) subscriptions.
- Sony PlayStationcoreDistribution of PlayStation gift cards and PlayStation Plus subscriptions through retail network. PlayStation Store cards available in 50 PLN, 100 PLN, and 200 PLN denominations. PlayStation Plus available as 3-month (100 PLN) or 12-month (240 PLN) subscriptions.
- Microsoft XboxcoreDistribution of Xbox gift cards, Xbox Live Gold, Game Pass, and Game Pass Ultimate subscriptions through physical and online retail channels.
- NintendocoreDistribution of Nintendo eShop cards (70, 120, 250 PLN) and Nintendo Switch Online membership cards (3-month: 32 PLN, 12-month: 80 PLN) through retail network.
- NetflixcoreDistribution of Netflix gift cards in denominations of 60 PLN, 80 PLN, 120 PLN, and range cards 40-500 PLN.
- Steam (Valve)coreDistribution of Steam gift cards and wallet codes in denominations of 40 PLN, 70 PLN, and 150 PLN through retail network.
- Euronet Worldwidecoreepay Polska is a brand of Euronet Polska Sp. z o.o., which is part of Euronet Worldwide - a global leader in secure electronic financial transaction processing and owner of the largest ATM network in Europe. Euronet also owns RIA Financial Services for money transfers.
- PaysafecardcorePaysafecash is a new payment method developed for eCommerce sectors including travel, ticket sales, retail, electronic wallet top-ups, financial services, and bill payments. Allows cash payments for online purchases without credit cards or bank accounts by generating barcode codes scannable at retail locations.
- AllegrominorAllegro Smart! promotion partnership with Żabka convenience stores. Customers could win monthly Allegro Smart! subscriptions by purchasing Allegro top-up cards and submitting contest entries.
- ŻabkacoreMajor Polish convenience store chain partnership for distribution of gift cards and prepaid products including Allegro top-ups and Zalando gift cards.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
epay Polska competitors and assessment
Company assessmentDirect peers
- Tango Card: Enterprise-focused gift card distribution platform with a broad catalog of branded digital gift cards. Comparable in product offering and third-party brand aggregation model, though focused primarily on B2B reward and incentive use cases.
- Recharge.com: European prepaid gift card and mobile top-up marketplace offering digital codes for gaming, streaming, and retail brands. Direct competitor in the European prepaid space with overlapping brand catalog and target customers.
- Ding: International mobile top-up provider partnered with epay Polska to serve Ukrainian operators across 3,500+ Polish retail points. Operates the same top-up distribution model and serves diaspora customer segments directly comparable to epay Polska's mobile top-up business.
- PaySafe Group: Global prepaid and online cash payment specialist whose paysafecard and Paysafecash products are directly distributed by epay Polska through its Polish retail network. Operates the same cash-to-digital and prepaid voucher model across Europe.
- InComm Payments: Global prepaid gift card distribution network with retailer partnerships across convenience, grocery, and pharmacy channels. Closely mirrors epay Polska's model of distributing third-party branded gift cards and prepaid products through physical retail.
- Blackhawk Network: Major global prepaid gift card distributor with extensive retail partnerships for distributing third-party brand gift cards and financial services products. Closely comparable to epay Polska in product mix and channel strategy.
- Startselect: Netherlands-based digital gift card and prepaid code distribution platform serving European markets. Operates with a similar brand catalog (gaming, streaming, retail) and digital distribution focus to epay Polska.
Emerging players
- Raise: Gift card exchange marketplace allowing consumers to buy and sell unwanted gift cards. Adjacent business model in branded gift card secondary markets, with partial overlap in consumer-facing gift card commerce.
Broad incumbents
- MoneyGram: Global money transfer and payment services company owned by Euronet-adjacent financial services competitors. Comparable as a broader retail-anchored payment services incumbent, with overlapping consumer payment use cases though focused on remittance rather than gift cards.
- Euronet Worldwide: Parent company of epay Polska and a global leader in electronic payment processing with the largest ATM network in Europe. Comparable as the broader parent operating epay Polska alongside RIA Financial Services and other payment processing businesses.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
epay Polska social profiles
Digital presenceepay Polska financial estimates
Financial estimateRevenue estimate
Valuation estimate
epay Polska leadership team
Management profileNumber of profiles
Profiles4 records
epay Polska funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
epay Polska M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about epay Polska
What does epay Polska do?
epay Polska distributes prepaid products including branded gift cards, mobile phone top-ups, payment terminal services, and bill payment solutions through an extensive network of retail partner locations across Poland. The company operates as a distribution intermediary between content providers (gaming platforms, streaming services, retailers, mobile operators) and end consumers, earning transaction-based margins on each product processed through its terminals and partner stores. Services are delivered both to consumer-facing retail partners and to merchant businesses requiring card payment acceptance infrastructure.
Is epay Polska a public or private company?
epay Polska is a private company. It is classified as corporate owned and is currently operating.
When was epay Polska founded?
epay Polska was founded in 1995. It employs 1 to 10 people.
Where is epay Polska based?
epay Polska is headquartered in Warsaw, Poland, in the Europe region.
How does epay Polska make money?
Three revenue lines are on record. Gift card and prepaid card distribution is the primary driver. The others are mobile top-up services and card payment processing.
Who are epay Polska's main competitors?
Direct peers on record are Tango Card, Recharge.com, Ding, PaySafe Group, InComm Payments, Blackhawk Network and Startselect. Raise is listed as an emerging player. Broad incumbents are MoneyGram and Euronet Worldwide.
Does epay Polska have an API?
No public API is recorded for epay Polska.
What industry is epay Polska in?
epay Polska's product category is Prepaid Distribution and Payment Services. Its primary akta.pro industry code is CRAFAAAJ, Digital Goods & Gift Card Generalist Marketplaces. Its NAICS code is 517122.