ComGate
Comgate is a Czech-licensed payment institution offering a unified online payment gateway and Android-based POS terminal platform for e-commerce and retail merchants in Central Europe, processing ~53 billion CZK annually across roughly 21,000 e-shops and 9,000 terminals as a VISA and Mastercard principal member acquirer.
- Company typePrivate
- Founded2000
- HeadquartersHolesovice, Czechia
- Headcount251–500
- GTM typeB2B
- OfferingServices
What ComGate does
Comgate a.s. is a Czech Republic-based licensed payment institution headquartered in Hradec Králové, operating for approximately 20 years as a Principal Member acquirer for both VISA and Mastercard. The company runs a unified payments platform serving roughly 21,000 e-commerce merchants and 9,000 payment-terminal deployments, processing approximately 53 billion CZK in annual payment volume. Its product portfolio comprises (1) an online payment gateway supporting 9 currencies and 26 languages across Czech, Slovak, Polish, Hungarian, and Romanian markets, (2) Android-based payment terminals in fixed (CT20 Fix, N5 Fix) and portable (N80 Move, N5 Move, N92 App) form factors running the Switchio Pay application, (3) the Comgate POS SoftPOS application that turns NFC-enabled Android phones into contactless payment terminals, (4) developer-facing Checkout SDKs for web, Android, and iOS, (5) a Client Portal for transaction and billing management, and (6) a merchant business-loan product. The technology stack is API-first with public documentation, multi-language SDKs, and integrations with e-commerce platforms (Shoptet, Upgates) and cash-register systems.
Comgate's revenue model is transaction-fee-led with four publicly disclosed pricing tiers — Start (0% for six months, up to 300,000 CZK in payments), Easy (0.6% transaction fee), Profi (0.47% plus fixed fee), and Custom (negotiated for monthly volume above 3 million CZK) — complemented by recurring terminal rental fees, per-transaction refund fees (2 CZK per refund with foreign-currency equivalents), and interest/fees on merchant business loans. The company sells through a direct-sales motion with an online service-request form, a self-serve PLG path for smaller merchants, and channel/partner referrals for enterprise merchants.
The company holds a Czech National Bank payment-institution license (under Czech law 370/2017) with EU passporting rights, PCI DSS Level 1 certification, and direct principal relationships with VISA and Mastercard. Pricing is publicly disclosed and the company advertises a formal best-price guarantee with up to 20% cost savings versus competitors. Named customers span SMB e-commerce (Zaslat.cz, Bezedná miska, EKOpanenky, Knihobot), enterprise e-commerce/retail (Albi, DEK, Siko), ticketing (Ticketportal), and delivery platforms (Wolt). The ownership structure, revenue figures, and headcount beyond the 251–500 range are not publicly disclosed.
ComGate firmographics
Firmographics- Name
- ComGate
- Legal name
- Comgate a.s.
- Website
- https://www.comgate.cz/en
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Comgate is a Czech-licensed payment institution offering a unified online payment gateway and Android-based POS terminal platform for e-commerce and retail merchants in Central Europe, processing ~53 billion CZK annually across roughly 21,000 e-shops and 9,000 terminals as a VISA and Mastercard principal member acquirer.
- Ownership category
- akta.pro rank
ComGate industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Credit Card Issuing (522210)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), Card Clearing & Settlement (Interchange, Network Settlement) (FSABAJAJ)
Keywords
Where ComGate is headquartered
LocationHeadquarters
- HQ city
- Holesovice
- HQ country
- Czechia
- HQ region
- Europe
Offices1 record
Markets served
ComGate business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales
Revenue model
- Payment Gateway Transaction Fees: Comgate charges per-transaction fees for online card payments processed through their payment gateway. Fee tiers vary by merchant volume: Start (0% for 6 months, then 1% for volumes above 50K CZK monthly), Easy (0.6% per transaction), Profi (0.47% plus fixed fee), Custom (customized rates for merchants over 3M CZK monthly). Fees apply to VISA, Mastercard, and local card transactions.
- Payment Terminal Rental and Fees: Monthly fees for terminal rental and operation. Start tier includes free terminal rental for first 6 months. Additional revenue from refund fees (2 CZK per individual refund, with equivalents in foreign currencies).
- Business Loan Services: Comgate offers business loans to merchants, generating revenue through interest and loan servicing fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Start: 0% for 6 months (up to 300K CZK payments) |
| Transaction based/ take rate | Monthly | Easy: 0.6% transaction fee (3-month promotional rate) |
| Transaction based/ take rate | Monthly | Profi: 0.47% + fixed fee (3-month promotional rate) |
| Transaction based/ take rate | Monthly | Custom: Negotiated rates for high-volume merchants |
| Transaction based/ take rate | Pay-as-you-go | Refund Fee: 2 CZK per transaction |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
ComGate product offering
Product offeringCore offering
ComGate operates a unified payment platform providing an online payment gateway for e-commerce merchants and Android-based payment terminals (fixed and portable) for in-person card-present transactions. The company processes payments across nine currencies and 26 languages, supporting VISA, Mastercard, Apple Pay, Google Pay, and local payment methods in Czech Republic, Slovakia, Poland, Hungary, and Romania. As a VISA and Mastercard Principal member and Czech National Bank licensed payment institution, ComGate also offers merchant financing (business loans), developer SDKs for embedded checkout, a SoftPOS mobile application that turns Android phones into contactless payment terminals, and a self-service Client Portal for transaction management.
Product overview
ComGate is a payment services company offering a unified platform for online and in-store payments. The core product portfolio consists of the ComGate Payment Gateway (Platební brána) for online e-commerce transactions and ComGate Payment Terminals (Platební terminály) for physical point-of-sale payments. The company provides multiple terminal hardware models including CT20 Fix (fixed), N5 Fix (fixed), N80 Move (portable), N5 Move (portable), and N92 App (portable), all running on Android OS with the Switchio Pay application. For mobile-based payments, ComGate offers the ComGate POS application turning Android smartphones into payment terminals. On the developer side, ComGate provides the Comgate Checkout SDK for cart-level payment integration and Mobile Checkout SDK for native mobile app integration. Additional services include the Client Portal (Klientský portál) for transaction management and Business Loan (Podnikatelský úvěr) for merchant financing. Pricing is structured in four tiers: Start (0% for 6 months, up to 300k CZK), Easy (0.6%), Profi (0.47% + fixed), and Custom (tailored for 3M+ CZK monthly volume).
Differentiator
Problem solved
Functional benefit
Brands
- Comgate POS: Mobile payment terminal application for Android devices, enabling contactless card payments via smartphone using NFC.
- Comgate Claude Code Plugin
- Comgate Checkout SDK
- Mobile Checkout SDK
Products and services
- Comgate Payment Gateway (Platební brána)
Quantifiable outcome
- Up to 20% reduction in payment processing costs compared to competitors
- +2 more outcomes
Companies that use ComGate
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles4 records
ComGate technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature6 records
ComGate partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- ShoptetcoreE-commerce platform integration. Comgate payment gateway integrates with Shoptet platform, allowing merchants to easily enable Comgate payments through Shoptet's platform configuration settings.
- VISAcorePrincipal member (direct acquiring partner) with full access to VISA card technologies, enabling Comgate to process VISA card transactions and offer VISA contactless payments including Apple Pay.
- MastercardcorePrincipal member (direct acquiring partner) with full access to Mastercard card technologies, enabling Comgate to process Mastercard card transactions and offer Mastercard contactless payments including Google Pay.
- Apple PaycoreIntegrated contactless payment method accepted at all Comgate terminals and through payment gateway, allowing customers to pay with Apple devices.
- Google PaycoreIntegrated contactless payment method accepted at all Comgate terminals and through payment gateway, allowing customers to pay with Android devices.
- Česko platí kartou (Czech Republic Pays by Card)coreInitiative of the Ministry of Industry and Trade of the Czech Republic together with VISA and Mastercard. The Start tariff is part of this project to promote card payments in the Czech Republic, offering 6 months of free payment processing for new merchants.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
ComGate competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights7 records
Customer concentration
ComGate social profiles
Digital presenceComGate compliance and trust
Trust signalCompliance3 records
ComGate financial estimates
Financial estimateRevenue estimate
Valuation estimate
ComGate leadership team
Management profileNumber of profiles
ComGate funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ComGate 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 ComGate
What does ComGate do?
ComGate operates a unified payment platform providing an online payment gateway for e-commerce merchants and Android-based payment terminals (fixed and portable) for in-person card-present transactions. The company processes payments across nine currencies and 26 languages, supporting VISA, Mastercard, Apple Pay, Google Pay, and local payment methods in Czech Republic, Slovakia, Poland, Hungary, and Romania. As a VISA and Mastercard Principal member and Czech National Bank licensed payment institution, ComGate also offers merchant financing (business loans), developer SDKs for embedded checkout, a SoftPOS mobile application that turns Android phones into contactless payment terminals, and a self-service Client Portal for transaction management.
Is ComGate a public or private company?
ComGate is a private company. It is classified as unknown and is currently operating.
When was ComGate founded?
ComGate was founded in 2000. It employs 251 to 500 people.
Where is ComGate based?
ComGate is headquartered in Holesovice, Czechia, in the Europe region.
How does ComGate make money?
Three revenue lines are on record. Payment Gateway Transaction Fees are the primary driver. The others are payment Terminal Rental and Fees and business Loan Services.
Does ComGate have an API?
Yes. ComGate provides a public API protocol for integrating their payment gateway with e-shops. The API supports multiple programming languages including CURL, PHP, JAVA, and Python with sample requests. They offer Comgate Checkout SDK for integrating the payment gateway directly into the e-shop cart enabling payments without redirecting the payer to the payment gateway. Currently supported payment methods include card payments, Apple Pay, and Google Pay. Developer documentation is at apidoc.comgate.cz.
What industry is ComGate in?
ComGate's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAMACAE, Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods). Its NAICS code is 52232 and its SIC code is 6199.