ComGate

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.

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

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

• Payment gateway services
• Card payment processing
• POS payment terminals
• Contactless payments
• Merchant acquiring services

Headquarters

HQ city

Holesovice

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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).
3. Business Loan Services: Comgate offers business loans to merchants, generating revenue through interest and loan servicing fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core 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

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Six partnerships are on record, tiered core.

• ShoptetcoreTechnology or IntegrationE-commerce platform integration. Comgate payment gateway integrates with Shoptet platform, allowing merchants to easily enable Comgate payments through Shoptet's platform configuration settings.
• VISAcoreOthersPrincipal 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.
• MastercardcoreOthersPrincipal 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 PaycoreTechnology or IntegrationIntegrated contactless payment method accepted at all Comgate terminals and through payment gateway, allowing customers to pay with Apple devices.
• Google PaycoreTechnology or IntegrationIntegrated 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)coreStrategic or Co-development PartnerInitiative 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

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/comgate
• Xx.com/comgate_cz

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 ComGate