Payzone SA
Payzone SA, operating as PayPoint Romania, provides electronic payment processing via a national POS terminal network and the 24pay mobile app. It serves Romanian consumers, SMB merchants, and utility/telecom providers, processing over 85% of the country's utility and telecom bills.
- Company typePrivate
- Founded2004
- HeadquartersBucharest, Romania
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What Payzone SA does
Payzone SA operates through its Romanian legal entity PayPoint Services SRL under the brand PayPoint Romania, headquartered in Bucharest. Founded in 2004, the company is an electronic transaction processing business that operates as an authorized Agent of a Payment Institution regulated by the National Bank of Romania. Its core product is the PayPoint POS Terminal, deployed at merchant partner locations across Romania, which enables card payment acceptance alongside an extended portfolio of value-added services including utility and telecom bill payments, money transfers, electronic recharges, transport and airline ticketing, vehicle tax payments, and the integrated Colet Expres express package delivery service. The company complements the physical POS network with the 24pay consumer mobile application, available on iOS App Store, Google Play, and Huawei AppGallery, allowing end consumers to pay bills and purchase tickets digitally without commissions.
The company serves three primary customer segments: individual consumers who use PayPoint locations or the 24pay app for everyday bill payments and service purchases; merchants (retailers, small shops, cafes) who deploy PayPoint POS terminals to accept card payments and earn ancillary revenue from value-added services; and utility and telecom providers whose bills PayPoint helps collect and distribute. The company states partnerships covering over 85% of utility and telecom bills issued in Romania, with national network coverage extending to rural environments and extended operating hours at PayPoint locations.
Revenue is generated primarily through transaction fees on POS card payments and bill processing, value-added service fees (money transfers, recharges, ticket sales, package delivery), and managed services fees from utility and telecom provider partnerships. The go-to-market is a channel-partner model in which PayPoint recruits and equips SMB merchants with free POS hardware, a personal consultant, a dedicated merchant mobile app, and training/support, in exchange for transaction-based fees. Pricing is not publicly disclosed and is described as quote-based and negotiated with merchant partners, which is typical for SMB channel POS contracting in this market.
Payzone SA firmographics
Firmographics- Name
- Payzone SA
- Legal name
- PayPoint Services SRL
- Website
- https://payzone.ro
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Short description
- Payzone SA, operating as PayPoint Romania, provides electronic payment processing via a national POS terminal network and the 24pay mobile app. It serves Romanian consumers, SMB merchants, and utility/telecom providers, processing over 85% of the country's utility and telecom bills.
- Ownership category
- akta.pro rank
Payzone SA industry classification
Industry- Product category
- Payment Processing Services
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Biller Direct EBPP Platforms (FSAMAJAA)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Carrier Billing & Telco Mobile Money (FSAMAEAD)
Keywords
Where Payzone SA is headquartered
LocationHeadquarters
- HQ city
- Bucharest
- HQ country
- Romania
- HQ region
- Europe
Offices1 record
Markets served
Payzone SA business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Infrastructure, Personnel, Marketing or Sales
Revenue model
- POS Terminal Transaction Fees: PayPoint generates revenue through transaction fees charged to merchant partners for card payment processing and acceptance services via POS terminals.
- Bill Payment Processing: Revenue generated from processing utility bill payments, telecom payments, and other service payments for consumers at PayPoint locations and via the 24pay app.
- Value-Added Services: Revenue from additional services including money transfers, electronic recharges, express parcel delivery (Colet Expres), transport ticket sales, and insurance/rate payments.
- Provider Partnership Fees: PayPoint works with utility and telecom providers as partner suppliers, facilitating payment collection for over 85% of utility and telecom bills issued in Romania.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Payzone SA product offering
Product offeringCore offering
Payzone SA (PayPoint Romania) provides electronic transaction processing services through a nationwide POS terminal network deployed at merchant partner locations and the 24pay consumer mobile application. Services include card payment acceptance, utility and telecom bill payments, money transfers, electronic recharges, transport ticket sales, vehicle tax payments, entertainment services, and the Colet Expres express package delivery service. The company operates as an Agent of a Payment Institution authorized by the National Bank of Romania.
Product overview
PayPoint Romania (operated by PayPoint Services SRL) offers a dual-channel payment and services ecosystem: the PayPoint POS Terminal serves as the core merchant-facing product providing card acceptance and nationwide service coverage, while the 24pay mobile app serves consumers with digital access to bill payments, transport tickets, and other services. The two products share the same service portfolio including Colet Expres (express package delivery), creating a unified platform for both in-person and mobile payment scenarios. The company functions as an Agent of a Payment Institution authorized by the National Bank of Romania.
Differentiator
Problem solved
Functional benefit
Brands
- 24pay: Mobile application for managing finances including bill payments, transport tickets (CFR Călători, avion), electronic recharge, vehicle tax, entertainment and more without commissions.
Products and services
- PayPoint POS Terminal A next-generation POS terminal enabling merchants to accept card payments and access an extensive portfolio of value-added services. Includes free equipment, personal consultant, dedicated mobile app, training, and support for merchant partners.
- 24pay Mobile App Mobile application allowing consumers to pay bills, purchase transport tickets (urban, CFR Călători, airplane), recharge electronic accounts, pay vehicle taxes, and access entertainment services without commissions. Available on iOS App Store, Google Play, and Huawei AppGallery.
- Colet Expres Express package delivery service integrated with the PayPoint network, enabling retailers to increase revenue through package collection and delivery services.
Quantifiable outcome
- Over 85% of utility and telecom bills issued in Romania can be paid through PayPoint
Companies that use Payzone SA
Customer profileSegments3 records
Ideal customer profiles3 records
Payzone SA technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Payzone SA partnerships and signals
Strategic signalScale indicators2 records
Recent moves4 records
Expansion highlights4 records
Payzone SA competitors and assessment
Company assessmentBroad incumbents
- Worldline: One of Europe's largest payment service providers, offering merchant acquiring and digital payment services across multiple EU markets. Comparable on acquiring and integrated payment services, though at far broader scale; a potential acquirer of national operators like PayPoint Romania.
- Euronet Worldwide: Global operator of payment networks including EFT POS acquiring, ATM, and money transfer. Comparable in its multi-vertical electronic payments infrastructure approach, and serves as a potential strategic consolidator for national EBPP/POS operators in Eastern Europe.
- Nexi: Leading European payment tech company providing acquiring, issuing and digital banking infrastructure across multiple countries. Comparable in merchant acquiring and payments processing; relevant as a potential consolidator of fragmented European POS/EBPP assets.
Regional players
- RomCard (Mastercard authorized): Romanian payment processor for card transactions serving local merchants and banks. Comparable as a domestic competitor in the Romanian acquiring market with overlapping merchant customers.
- ZebraPay: Romanian fintech offering payment processing and bill payment services. Comparable as a domestic competitor in the same Romanian electronic transaction processing market, focused on SMB merchants and consumer payments.
- NETOPIA (MobilPay): Romanian online and in-store payment processor serving merchants with card acquiring and integrated e-commerce payments. Directly comparable as a domestic Romanian payment processor serving similar merchant customers, though focused more on e-commerce than agent-network bill payments.
Direct peers
- PayPoint plc: UK-listed operator of a national bill payment, retail services and card payment network. Highly comparable in business model — multi-service agent network combining card acquiring, bill payments, and value-added services through physical retail points — though PayPoint plc operates in the UK and Ireland rather than Romania.
- Payzone (UK & Ireland): Operates an EBPP and retail services network across the UK and Ireland with a comparable agent-based bill payment and value-added services proposition. Directly comparable on product offering and distribution model, though operating in a different geography.
Emerging players
- SumUp: European SMB-focused POS and payment acceptance provider expanding across the continent including Romania. Comparable as a competitor for merchant card acceptance, with overlap on small-merchant target segment.
- Zettle by PayPal: POS and payment solution for small businesses, now part of PayPal. Comparable as an SMB card-acceptance competitor, though focused on simplified hardware/software rather than full EBPP agent networks.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Payzone SA social profiles
Digital presencePayzone SA financial estimates
Financial estimateRevenue estimate
Valuation estimate
Payzone SA leadership team
Management profileNumber of profiles
Payzone SA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Payzone SA 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 Payzone SA
What does Payzone SA do?
Payzone SA (PayPoint Romania) provides electronic transaction processing services through a nationwide POS terminal network deployed at merchant partner locations and the 24pay consumer mobile application. Services include card payment acceptance, utility and telecom bill payments, money transfers, electronic recharges, transport ticket sales, vehicle tax payments, entertainment services, and the Colet Expres express package delivery service. The company operates as an Agent of a Payment Institution authorized by the National Bank of Romania.
Is Payzone SA a public or private company?
Payzone SA is a private company. It is classified as unknown and is currently operating.
When was Payzone SA founded?
Payzone SA was founded in 2004.
Where is Payzone SA based?
Payzone SA is headquartered in Bucharest, Romania, in the Europe region.
How does Payzone SA make money?
Four revenue lines are on record. POS Terminal Transaction Fees are the primary driver. The others are bill Payment Processing, value-Added Services and provider Partnership Fees.
Who are Payzone SA's main competitors?
Broad incumbents on record are Worldline, Euronet Worldwide and Nexi. Regional players are RomCard (Mastercard authorized), ZebraPay and NETOPIA (MobilPay). Direct peers are PayPoint plc and Payzone (UK & Ireland). Emerging players are SumUp and Zettle by PayPal.
Does Payzone SA have an API?
No public API is recorded for Payzone SA.
What industry is Payzone SA in?
Payzone SA's product category is Payment Processing Services. Its primary akta.pro industry code is FSAMAJAA, Biller Direct EBPP Platforms, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 52232.