What Comfino.pl does

Comfino.pl is a Polish payment marketplace that aggregates installment and Buy Now Pay Later (BNPL) financing offers from multiple banks and fintechs into a single API and widget integration for merchants. The platform is operated by Comperia.pl S.A., a publicly listed company on the Warsaw Stock Exchange (ticker CMP) that has operated in the Polish financial market since 2007 and holds a Small Payment Institution license (MIP37/2019) along with credit intermediary registration (RPK001025) under supervision of the Polish Financial Supervision Authority (KNF). Comfino distributes its offering through three primary channels: open-source e-commerce modules for Magento, PrestaShop, and WooCommerce; native integrations inside eight Polish SaaS e-commerce platforms (Shoper, Sellingo, RedCart, cStore, SOTE, ShopGold, GoShop, TrisoShop); and an Android-based terminal application deployed on payment terminals via Polskie ePłatności (Grupa Nexi) and PayTel for in-store BNPL. The lender panel includes Alior Bank, Bank Pekao, Credit Agricole, InBank, Santander Consumer Bank, Smartney (BNP Paribas), PayPo, Twisto, PragmaPay/PragmaGO, LeaseLink, and BLIK, with proprietary AI algorithms used to match consumers to the best available financing option and to apply automatic waterfall retry if a lender declines.

Comfino serves three primary customer segments. The first is e-commerce merchants using the REST API (18 endpoints, API-Key authentication, SHA3-256 webhook verification) or ready-made plugins to embed a financing calculator and checkout widget directly on product and cart pages. The second is stationary retail stores and chains, where the Comfino Terminal Application enables installment and deferred payments on physical POS terminals. The third is the medical vertical, where Comfino operates a specialized Medical Financing product covering dentistry, aesthetic medicine, ophthalmology, and dermatology, with named deployments at Szpital św. Wojciecha, Invimed, Salus, Reoptis, and mediconcept. Across all segments, Comfino targets both B2C consumers and B2B business buyers through differentiated lender products, including consumer BNPL and business leasing.

Comfino earns revenue through two primary streams: transaction commissions charged to merchants for each successfully completed installment or BNPL transaction, and a marketplace spread on financing provided by partner banks and fintechs. The merchant typically receives full payment upfront from Comfino, while the consumer repays the lender over time. Pricing is not publicly disclosed and is negotiated individually with merchants during onboarding, with promotional 0% installment offers available. The 18-person team operates exclusively within Poland from its Warsaw headquarters at ul. Konstruktorska 13, positioning Comfino as a domestic, regulated credit intermediary whose competitive differentiation rests on lender breadth, multi-channel distribution, and AI-assisted credit decisioning.

Name

Comfino.pl

Legal name

Comperia.pl S.A.

Website

https://comfino.pl

Company type

Public

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Comfino.pl is a Polish payment marketplace operated by Comperia.pl S.A. that aggregates installment and BNPL financing options from multiple banks and fintechs into a single integration for e-commerce merchants, physical retailers, and medical facilities in Poland.

Ownership category

akta.pro rank

Product category

BNPL and Installment Payment Marketplace

NAICS

Sales Financing (52222), Nondepository Credit Intermediation (5222)

SIC

Finance Services (6199), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

akta.pro secondary industries

Merchant-Integrated BNPL (Online Checkout) (FSAKACAA), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF), Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• BNPL marketplace
• Installment payments
• Credit aggregation
• Payment gateway plugins
• Deferred payments platform

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction Commission from Merchants: Comfino charges merchants a commission/fee for each successfully completed installment or BNPL transaction. The merchant receives full payment upfront from Comfino while the customer repays in installments over time.
2. Financial Institution Partnerships: Revenue is generated from the spread between financing offers provided by partner banks and fintechs. Comfino acts as an intermediary, aggregating multiple financing options for merchants.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels4 records

Core offering

Comfino is a payment marketplace platform that aggregates installment and BNPL financing offers from multiple Polish banks and fintechs into a single API and widget integration for e-commerce merchants, stationary retail stores, and medical facilities. It provides ready-made plugins for Magento, PrestaShop, and WooCommerce; native integrations with SaaS e-commerce platforms; and an Android application on payment terminals for in-store installment payments, with proprietary AI used to match customers to the optimal financing option.

Product overview

Comfino is a payment marketplace platform that serves as a unified aggregator of installment and deferred payment (BNPL) solutions for both online and offline commerce. The core Comfino Platform integrates financing offers from multiple banks and fintechs (Alior Bank, Bank Pekao, Credit Agricole, InBank, Santander, Smartney, LeaseLink, PayPo, PragmaPay, Twisto, BLIK), using proprietary AI algorithms to match customers with optimal financing options. The product portfolio includes: the core platform, JavaScript-based Widget (with WooCommerce and PrestaShop variants), eCommerce modules for Magento, PrestaShop, and WooCommerce, native integrations with 8 SaaS platforms (Shoper, cStore, Sellingo, RedCart, SOTE, ShopGold, GoShop, TrisoShop), a Partner Panel for merchant management, and a Terminal Application for payment terminals. Specialized offerings include Medical Financing for healthcare providers. All solutions are regulated by Polish Financial Supervision Authority (KNF) as a Small Payment Institution.

Differentiator

Problem solved

Functional benefit

Products and services

• Comfino Platform Unified payment marketplace platform that aggregates installment, BNPL, and financing offers from multiple Polish banks and fintechs, integrating them into merchant checkout flows for both online and in-store channels; supports B2C and B2B buyers and offers 0% installments, low-rate installments, BNPL, business financing, and leasing.
• Comfino REST API REST API with 18 endpoints covering order creation, order lifecycle (amount modification, cancellation, withdrawal), sales points, users, and financial product queries; uses API-Key header authentication and SHA3-256 signed webhook callbacks for merchant integrations.
• Comfino Widget JavaScript widget that displays installment financing offers and an installment calculator on merchant product pages; available as standard banner, classic banner, or calculator type, and supports custom CSS styling and callback functions.
• Partner Panel Self-serve merchant partner portal providing sales analytics, transaction management, and configuration of Comfino payment offerings for merchants.
• Comfino Terminal Application Android application for in-store payment terminals that turns installed POS devices into installment and BNPL acceptance points in brick-and-mortar retail, with no additional hardware required.
• Medical Financing Specialized financing offering for medical facilities covering dentistry, aesthetic medicine, plastic surgery, ophthalmology, and dermatology; includes 0% installments, low-rate installments up to 48 months, and payment deferral up to 60 days; integrated with named clinics such as Szpital św. Wojciecha, Invimed, Salus, Reoptis, and mediconcept.

Quantifiable outcome

• 25% of online shoppers abandon carts due to lack of installment/deferred payment options
• +5 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability2 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Polskie ePłatności (Grupa Nexi)coreTechnology or IntegrationPolskie ePłatności (part of Grupa Nexi) is a payment terminal operator partner that enables Comfino installment and BNPL payments on physical POS terminals across Poland.
• Comperia.pl S.A.coreOthersComfino is operated by Comperia.pl S.A., the largest Polish financial comparison platform, which has operated since 2007 and is listed on the Warsaw Stock Exchange. Comperia.pl holds the Small Payment Institution license (MIP37/2019) under KNF supervision.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• PayPo: Polish BNPL fintech offering pay-in-30 and installment financing at online checkout. Direct competitor to Comfino's merchant offering and simultaneously one of Comfino's listed financing partners, illustrating the partner-vs-competitor tension.
• Ratepay: German BNPL and white-label payment marketplace for e-commerce. Closest international analogue to Comfino's multi-lender aggregation model — single integration providing access to multiple financing partners.
• Twisto: Czech-origin BNPL player operating in Poland with deferred payment and installment products at e-commerce checkout. Comparable to Comfino in target market, product, and customer base, while also being aggregated on the Comfino marketplace.
• PragmaGO / PragmaPay: Polish fintech specializing in B2B financing (invoicing, business installments, deferred payments). Comfino's B2B vertical partner that competes directly in the same SME financing segment.
• Smartney (BNP Paribas): Polish BNPL and consumer loan provider owned by BNP Paribas. Offers installments and deferred payments at e-commerce checkout — a direct competitor to Comfino's core proposition and also one of its financing partners.

Broad incumbents

• Klarna: Global BNPL leader operating in Poland with Pay-in-4, Pay-in-30, and installments. Direct overlap with Comfino's merchant checkout offering but at vastly larger scale; competes as a single-lender alternative to Comfino's aggregator.
• Affirm: US-listed BNPL provider offering installment financing at checkout. Comparable in product (BNPL/installments) and business model (merchant take-rate), though geographically focused on North America.
• Afterpay (Block): BNPL platform owned by Block (Square) with global operations. Comparable BNPL-at-checkout proposition competing for the same merchant integrations Comfino serves in Poland and adjacent CEE markets.

Regional players

• Scalapay: Italian-founded BNPL provider offering pay-in-3 installments across European e-commerce. Similar merchant-integrated BNPL model to Comfino but focused on Southern Europe and France rather than Poland.
• Walley (Collector Bank): Nordic BNPL provider (formerly Collector) operating in Sweden, Finland, Norway, Denmark. Comparable BNPL marketplace and installment offering to Comfino but primarily serving the Nordics rather than Poland.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/comfino-pl

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 Comfino.pl