Easy Payment Services OOD (Sp. z o.o.)

What Easy Payment Services OOD (Sp. z o.o.) does

Easy Payment Services OOD is a Bulgaria-incorporated electronic money institution licensed by the Bulgarian National Bank (Decision No. 259, 25 October 2018) that operates exclusively in Poland through a registered branch in Warsaw, issuing the AXI Card — a non-bank revolving credit card targeting Polish consumers who find traditional bank credit card processes burdensome. The primary product, AXI Card Smart, offers credit limits of 2,000–10,000 PLN at a variable 14.5% annual interest, functions as both a consumer credit facility and a MasterCard-branded contactless payment instrument, and is managed through a proprietary mobile application (iOS/Android) and an online personal profile supporting 24/7 account access and SMS notifications.

The technology stack combines automated creditworthiness scoring integrating six Polish credit bureaus (BIK, KRD, ERIF, BIG, InfoMonitor, CRIF) with bank-account verification via Kontomatik, identity verification via Authologic/iDenfy/OnFido, and qualified electronic signature (QES) via Lleidanetworks, enabling a fully digital onboarding and remote contract-signing flow. Card personalization is outsourced to Tag Systems Sp. z o.o. and transaction processing to DanubePay, a.s. Credit decisions may involve automated profiling without human intervention, with credit-scoring services provided by Self Learning Solutions Sp. z o.o.

The business model blends recurring revenue (14.5% variable interest on drawn balances; 50 PLN monthly maintenance in the first period and 300 PLN thereafter, waived when the card is unused and minimum payments are timely) with transactional and penalty revenue (100 PLN issuance fee, 7–10% ATM withdrawal fees, 1.10% + 25 PLN cash advance fee, and 18.5% penalty interest on overdue amounts). Distribution is direct-to-consumer via axi-card.pl and telephone inside sales, supplemented by a credit broker/intermediary channel under joint data administration. The company is part of the MFG Group of European non-bank financial services firms, with Access Finance Ltd. (Bulgaria) as a related entity owning the AXI Card marketing site. No funding rounds, revenue figures, or headcount are disclosed in the available data.

Name

Easy Payment Services OOD (Sp. z o.o.)

Legal name

Easy Payment Services OOD (Druzhestvo s ogranichena otgovornost)

Website

https://axi-card.pl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Easy Payment Services OOD, a Bulgaria-licensed EU electronic money institution operating in Poland through a Warsaw branch, issues the AXI Card — a non-bank revolving MasterCard credit card (up to 10,000 PLN) targeting Polish consumers seeking a simpler alternative to traditional bank credit cards.

Ownership category

akta.pro rank

Product category

Non-Bank Consumer Credit Cards

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)

akta.pro secondary industry

POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

Keywords

• Non-bank credit cards
• Consumer lending
• Payment services
• Revolving credit
• Digital onboarding

Headquarters

HQ city

Sofia

HQ country

Bulgaria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Others, Supply Chain

Revenue model

1. Interest Income on Credit Limit: The primary revenue stream comes from variable capital interest charged on the drawn credit limit at 14.5% per annum. Interest is calculated on the utilized portion of the credit limit and is variable based on the National Bank of Poland reference rate.
2. Card Issuance Fee: One-time fee of 100 PLN charged upon issuance or re-issuance of the AXI credit card.
3. Card Maintenance Fee: Monthly card maintenance fee of 50 PLN for the first billing period, and 300 PLN for subsequent periods unless no transactions were made and minimum monthly payment was made on time.
4. Card Usage Fees: Fees collected for various card usage transactions including ATM cash withdrawals (7% in Poland, min 10 PLN; 10% outside EAA, min 20 PLN), Cash Advance service (1.10% + 25 PLN), Cash Back (5 PLN), and outbound transfers to financial institutions (7%, min 15 PLN).
5. Late Payment Interest: Penalty interest at 18.5% charged on overdue amounts — the maximum permitted under Polish law (double the statutory late interest rate).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Easy Payment Services OOD is a licensed EU electronic money institution that issues the AXI Card, a non-bank revolving credit card (MasterCard contactless) with credit limits up to 10,000 PLN, targeted at Polish consumers. The product is delivered through a fully digital onboarding process (online application, remote identity verification, qualified electronic signature, courier card delivery) and supported by a 24/7 mobile application for account management, transaction history, and SMS notifications.

Product overview

Easy Payment Services OOD operates as a licensed EU electronic money institution offering the AXI Card product family, a suite of non-bank credit cards issued under MasterCard, delivered via both an online platform and a companion mobile application. The primary active product is AXI Card Smart, a revolving credit card with limits up to 10,000 PLN that functions as both a consumer credit facility and a payment instrument for point-of-sale, online, and cash-withdrawal transactions. The offering includes two legacy sub-brands (AXI Card Standard and AXI Card Prime, both discontinued March 31, 2025). The card is managed through a personal online profile and a mobile app (iOS/Android) providing 24/7 account access, SMS alerts, and transaction history. The credit limit is renewable and subject to periodic creditworthiness reassessment.

Differentiator

Problem solved

Functional benefit

Brands

• AXI Card Smart: Revolving credit limit credit card product with a credit limit of up to 10,000 PLN. Main product currently offered by the company.
• AXI Card Standard
• AXI Card Prime

Products and services

• AXI Card Smart
• AXI Card Mobile Application

Quantifiable outcome

• RRSO of 28.4% for representative example (3,600 PLN credit, 14.5% variable interest, 12-month repayment)

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Access Finance Ltd.coreGTM or Marketing PartnerAccess Finance Ltd. (registered in Bulgaria under number 202806978) is a related company that owns the axi-card.pl website. It acts as a co-controller for digital marketing purposes. The website and all marketing content on axi-card.pl are provided by Access Finance Ltd., while Easy Payment Services OOD is the actual credit provider and card issuer. The relationship is structured as a co-administration of personal data for digital marketing purposes.
• Lleidanetworks Serveis Telemàtics S.A.coreTechnology or IntegrationLleidanetworks Serveis Telemàtics S.A. (London, UK) provides qualified electronic signature (QES) services enabling remote contract signing for AXI Card customers. The company processes customer data (name, date of birth, email, address, PESEL, phone number) as a data controller for electronic signature and remote document signing services. This integration enables the fully digital onboarding process.
• Kontomatik UABcoreTechnology or IntegrationKontomatik UAB (Vilnius, Lithuania) provides bank account verification and identity verification services to AXI Card. With customer consent, Kontomatik provides access to the customer's bank account data for creditworthiness assessment and identity verification. This is a required step in the AXI Card application process.
• DanubePay, a.s.coreTechnology or IntegrationDanubePay, a.s. serves as the payment processing provider for AXI Card, handling transaction processing for the credit card. This is a critical infrastructure partner for the card payment network.
• Tag Systems Sp. z o.o.coreTechnology or IntegrationTag Systems Sp. z o.o. provides card personalization services for AXI Card, handling the production and personalization of the physical credit cards that are shipped to customers.
• iCredit Sp. z o.o.minorGTM or Marketing PartneriCredit Sp. z o.o. (Łódź, Poland) is a business partner to which Easy Payment Services OOD shares borrower data for marketing purposes. With customer consent, customer data is shared with iCredit to present commercial offers and marketing information about iCredit's financial services.
• Creamfinance Poland Sp. z o.o.minorGTM or Marketing PartnerCreamfinance Poland Sp. z o.o. (Warsaw, Poland) is a business partner to which Easy Payment Services OOD shares borrower data for marketing purposes. With customer consent, customer data is shared with Creamfinance to present commercial offers and marketing information about its financial services.
• Credit Bureaus (BIK, KRD, ERIF, BIG, InfoMonitor, CRIF)coreTechnology or IntegrationEasy Payment Services OOD shares borrower personal data with multiple Polish credit bureaus — Biuro Informacji Kredytowej S.A., Krajowy Rejestr Długów, ERIF Biuro Informacji Gospodarczej S.A., Krajowe Biuro Informacji Gospodarczej S.A., Biuro Informacji Gospodarczej InfoMonitor S.A., and CRIF Services Sp. z o.o. — for creditworthiness assessment, fraud prevention, and debt collection purposes. This is a mandatory partnership for regulatory compliance.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• iCredit Sp. z o.o. Polish online non-bank consumer credit provider and an existing marketing partner of Easy Payment Services, offering comparable short-term and instalment loan products to Polish consumers via fully digital onboarding.
• Zaplo (4Finance Group): Polish online instalment and short-term credit provider from 4Finance Group; competes in the same digitally onboarded non-bank consumer lending category in Poland with overlapping product economics.
• Creamfinance Poland (LendOn): Polish non-bank consumer lender operating in the same online revolving-credit category as AXI Card; notably also a current data-sharing marketing partner of Easy Payment Services, making the relationship both competitive and commercial.
• Ferratum Bank (Ferratum Polska): Polish operation of Ferratum Group providing mobile and online consumer credit products including revolving credit lines, targeting similar digitally savvy Polish consumers seeking non-bank credit.
• Wonga Poland: Direct Polish-market online consumer lender competing for the same digitally onboarded, bank-excluded Polish consumer segment, with a similar product set of small short-term credit lines and online-only application flow.
• Vivus.pl (Vivus Poland): Polish online non-bank consumer lender offering revolving credit and short-term loans under similar EMI-style structures to Polish consumers, with fully digital onboarding and a comparable target segment of thin-file and underserved borrowers.

Broad incumbents

• Provident Polska: Long-established Polish non-bank consumer lender (part of International Personal Finance) offering instalment and revolving credit to Polish consumers; a broader incumbent with overlapping customer segments and larger scale than AXI.
• Cofidis Polska: Polish branch of European consumer credit specialist Cofidis, offering revolving credit and instalment loans to Polish consumers through both online and partner channels; competes for the same credit-card and revolving-credit wallet share.
• Bank Pekao (Credit Card product line): Major Polish bank issuing MasterCard and Visa consumer credit cards at scale; represents the traditional bank competitor whose 'demanding verification' positioning AXI explicitly positions against, serving overlapping Polish consumer credit demand.

Emerging players

• Revolut Bank UAB (Polish operations): Digital banking/EMI operator with an EU banking licence via Lithuania, offering Polish consumers digital payment cards and increasingly credit/revolving products; competes for the same digitally-native Polish consumer seeking non-traditional credit access.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/axicardpl
• LinkedInlinkedin.com/company/easy-payment-services-ood

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Easy Payment Services OOD (Sp. z o.o.)