hiPRO
hiPRO is a Warsaw-based Polish insurtech that provides a B2B2C API and app enabling insurance distributors and carriers such as Allianz Polska and UNIQA to offer consumers 12-installment, zero-interest financing of motor and other insurance premiums.
- Company typePrivate
- Founded2016
- HeadquartersWarszawa, Poland
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What hiPRO does
hiPRO is a Warsaw-based Polish fintech/insurtech that operates a B2B2C installment-financing layer for insurance premiums. The company plugs into insurance distributors — aggregators (Unilink, Rankomat, Market Ubezpieczeń), brokers (Benefia, Mubi, Conditor), and tied-agent channels (TUZ, TRASTI) — as well as major carriers including Allianz Polska and UNIQA, enabling consumers to split motor and other insurance premiums into 12 monthly installments at 0% interest to the end user. Financing tickets range from 400 to 8,484 PLN, and the firm is paid a commission per funded policy, placing it squarely in the insurtech BNPL niche.
The product stack consists of the hiPRO Connector, a unified API that standardizes the integration between insurer front-ends, payment rails (PayU, BLIK), consumer messaging (Messenger), and capital providers, paired with a browser-based app through which distributors can originate installment offers without rebuilding their core platforms. Capital is sourced from partner lenders — Mercury Financial (Drobna Ratka), WONGA, and Paytree — so hiPRO carries limited balance-sheet risk while capturing platform economics. The go-to-market is partner-led: distribution is acquired through integration contracts with insurance carriers and aggregators rather than direct consumer acquisition, with each new distributor on the API expanding the addressable customer base.
Ownership and governance are tightly held: the firm is led by Chairman Janusz Wojtas, who is the only named executive in the input and brings roughly two decades of experience managing Polish operations of international corporations. The company operates with a stated headcount of 1-10 employees out of Warsaw, has no disclosed funding rounds in the input material, and press visibility clusters in the 2018-2020 window, which together suggest a venture-stage, founder-led operating profile rather than a scaled platform franchise.
hiPRO firmographics
Firmographics- Name
- hiPRO
- Legal name
- hiPRO Sp. z o.o.
- Website
- https://hipro.pl
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- hiPRO is a Warsaw-based Polish insurtech that provides a B2B2C API and app enabling insurance distributors and carriers such as Allianz Polska and UNIQA to offer consumers 12-installment, zero-interest financing of motor and other insurance premiums.
- Ownership category
- akta.pro rank
hiPRO industry classification
Industry- Product category
- Insurance Premium Financing Platform
- NAICS
- Sales Financing (52222), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Finance Services (6199)
- akta.pro primary industry
- Billing, Payments & Premium Finance Platforms (FSAGAGAI)
- akta.pro secondary industries
- Issuer/Network-Led Installments (Card-Based Pay-Over-Time) (FSAGAIAB), Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)
Keywords
Where hiPRO is headquartered
LocationHeadquarters
- HQ city
- Warszawa
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
hiPRO business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Financing Commission: hiPRO charges a 23% commission on financed insurance premiums. Customers pay 0% interest but the total cost includes the commission fee. Example: 600 PLN insurance premium results in 138 PLN commission (23%), with total payment of 738 PLN over 12 monthly installments.
- B2B2C Platform Fees: Revenue generated through facilitating transactions between distributors and financial institutions. hiPRO coordinates the process and ensures technical integration between all parties.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Insurance premium financing - 12 monthly installments |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels4 records
hiPRO product offering
Product offeringCore offering
hiPRO operates a browser-based platform and unified API (hiPRO Connector) that enables insurance distributors — agents, brokers, and carriers — to offer customers installment financing for insurance premiums, typically split into 12 monthly payments. The platform aggregates multiple financial institutions (Drobna Ratka/Mercury Financial, WONGA, Paytree) and payment providers (PayU, BLIK) behind a single integration, with financing decisions completed in approximately five seconds using minimal data input and SMS-based electronic contract acceptance.
Product overview
hiPRO is an insurtech platform providing installment financing for insurance premiums and payment processing. The core product is the browser-based hiPRO Application, which connects to multiple financing providers (Drobna Ratka/Mercury Financial, WONGA, Paytree) through the hiPRO Connector API. Additional modules include the Customer Zone for self-service management, a Sales Bonus System with instant payouts via BLIK and branded debit cards, and installment sales features. The platform operates in a B2B2C model connecting distributors, financial institutions, and payment processors.
Differentiator
Problem solved
Functional benefit
Products and services
- hiPRO Application Browser-based application enabling insurance distributors to offer customers installment financing for insurance premiums. Sellers log in, enter basic customer and transaction data, and receive real-time financing decisions in approximately five seconds, with electronic contract acceptance via SMS code.
- hiPRO Connector Unified API platform connecting distributors, financial institutions (Drobna Ratka/Mercury Financial, WONGA, Paytree), payment institutions (PayU, BLIK), and internet communicators (Messenger) to enable online transaction financing. A single integration provides access to multiple financial institutions, payment processing, and sales bonus distribution capabilities.
Quantifiable outcome
- 5-second financing preparation time
- +3 more outcomes
Companies that use hiPRO
Customer profileNamed customers9 records
Segments3 records
Ideal customer profiles3 records
hiPRO technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
hiPRO partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- PayUcoreTrusted payment provider processing online payments. hiPRO integrates PayU for accepting payments without cash or terminal equipment.
- BLIKcorePolish mobile payment system. BLIK integration enables instant commission payouts to sales representatives and provides payment method options for customers.
- UnilinkcoreInsurance broker offering monthly payments for insurance policies via hiPRO platform. Logo featured on hiPRO homepage as customer/partner.
- Ranko (Rankomat)coreInsurance comparison platform with hiPRO installment payment integration. Logo featured on hiPRO homepage as customer/partner.
- TRASTIcoreInsurance agent using hiPRO for policy financing solutions. Logo featured on hiPRO homepage as customer/partner.
- BenefiacoreInsurance company offering policies on installments via hiPRO. Featured in Cashless.pl case study (January 2019) about policies on installments.
- UNIQAcoreInsurance company that introduced 12-installment payment option for motor insurance premiums through hiPRO. Featured in PR News and Cashless.pl coverage (2018).
- Allianz PolskacoreInsurance company offering motor insurance 'subscriptions' via hiPRO. Featured in Puls Biznesu and Gazeta Ubezpieczeniowa coverage (April 2018).
Scale indicators3 records
Recent moves6 records
Expansion highlights3 records
hiPRO competitors and assessment
Company assessmentBroad incumbents
- Klarna: Global BNPL leader with pay-in-installments products spanning retail, travel, and services. Operates at vastly greater scale and breadth than hiPRO but shares the underlying transaction-fee model, instant-decision UX philosophy, and merchant/insurer partnership motion.
- Allegro Pay: BNPL product from Allegro, Poland's dominant e-commerce marketplace. Operates at materially larger scale and offers a broader portfolio (BNPL, credit, savings) as part of the Allegro ecosystem, but competes for the same end-consumer installment demand in Poland.
- Afterpay: Global BNPL platform (now part of Block) operating pay-in-4 and longer-tenor installment products. Comparable in core product mechanics, merchant-funded revenue model, and B2B2C distribution approach, though operates at far larger scale.
Direct peers
- PayPo: Polish BNPL fintech serving online merchants with pay-later and installment options. Comparable in transaction-fee revenue model, Polish market focus, and merchant-distribution motion, though focused on e-commerce checkout rather than insurance.
- Splitit: Card-based installment platform that splits existing card payments into interest-free installments. Closely comparable to hiPRO's 0% headline / commission-funded installment model and white-label/embedded API distribution approach, though splitit is horizontal across verticals.
- Braintri: Polish fintech that partnered with hiPRO in 2018 to build the installment insurance platform. Operates adjacent payment and lending infrastructure for Polish financial institutions, making it the most direct comparable given shared customer base, technology stack, and market.
- Twisto: Polish BNPL provider offering pay-later and installment products to consumers and merchants. Direct competitor for the consumer credit dollar, with broader retail focus but identical short-term installment economics and B2B2C distribution orientation.
Regional players
- Premium Credit: UK-headquartered specialist in insurance premium financing for brokers and customers. Most direct global comp for hiPRO's insurance-premium-installment product, but operates only in the UK/Ireland — not directly competing in Poland today.
Emerging players
- Zilch: UK-based BNPL provider combining pay-later with consumer credit products. Comparable product structure (interest-free headline, fee-funded model) and an emerging focus on recurring/subscription payments that mirrors hiPRO's insurance-premium positioning.
Others
- Rankomat (Ranko): Polish insurance comparison platform listed as a hiPRO distribution partner. Not a direct BNPL competitor, but a channel partner/comparable insurtech player in the Polish market with overlapping customer base and distribution relationships.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
hiPRO social profiles
Digital presencehiPRO financial estimates
Financial estimateRevenue estimate
Valuation estimate
hiPRO leadership team
Management profileNumber of profiles
Profiles1 record
hiPRO funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
hiPRO 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 hiPRO
What does hiPRO do?
hiPRO operates a browser-based platform and unified API (hiPRO Connector) that enables insurance distributors — agents, brokers, and carriers — to offer customers installment financing for insurance premiums, typically split into 12 monthly payments. The platform aggregates multiple financial institutions (Drobna Ratka/Mercury Financial, WONGA, Paytree) and payment providers (PayU, BLIK) behind a single integration, with financing decisions completed in approximately five seconds using minimal data input and SMS-based electronic contract acceptance.
Is hiPRO a public or private company?
hiPRO is a private company. It is classified as unknown and is currently operating.
When was hiPRO founded?
hiPRO was founded in 2016. It employs 1 to 10 people.
Where is hiPRO based?
hiPRO is headquartered in Warszawa, Poland, in the Europe region.
How does hiPRO make money?
Two revenue lines are on record. Financing Commission is the primary driver. The others are B2B2C Platform Fees.
Who are hiPRO's main competitors?
Broad incumbents on record are Klarna, Allegro Pay and Afterpay. Direct peers are PayPo, Splitit, Braintri and Twisto. Premium Credit is listed as a regional player. Zilch is listed as an emerging player. Rankomat (Ranko) is listed as an others.
Does hiPRO have an API?
Yes. hiPRO Connector provides a unified API for all partners using the platform, regardless of which institution processes a given transaction. The platform connects distributors, financial institutions, payment institutions, and internet communicators to enable online transaction financing. One integration provides access to multiple external systems delivering various services.
What industry is hiPRO in?
hiPRO's product category is Insurance Premium Financing Platform. Its primary akta.pro industry code is FSAGAGAI, Billing, Payments & Premium Finance Platforms, with a secondary code of FSAGAIAB, Issuer/Network-Led Installments (Card-Based Pay-Over-Time). Its NAICS code is 52222 and its SIC code is 6141.