Sparkasse Pay d.o.o.
Sparkasse Pay d.o.o. is a Slovenian payment services company that issues and operates Diners Club-branded card products in Slovenia, affiliated with the Sparkasse banking group and based in Ljubljana with 36 employees.
- Company typePrivate
- Founded-
- Headquarters—
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Sparkasse Pay d.o.o. does
Sparkasse Pay d.o.o. is a Slovenian payment services company headquartered in Ljubljana, founded in 2013. The entity operates under the Diners Club brand in Slovenia, as evidenced by its primary web presence at dinersclub.si, and carries the Sparkasse name, indicating affiliation with the Sparkasse banking group (which operates Banka Sparkasse d.d. in Slovenia). Its functional role appears to be that of a card issuer and/or franchise operator for Diners Club-branded payment products in the Slovenian market, serving both consumer and potentially corporate cardholders. The company operates with 36 employees, a headcount consistent with a single-country card program operator handling issuance, cardholder servicing, and merchant relationship management under a global brand license.
The business model is anchored to standard payment-card economics: revenue is generated from interchange fees on cardholder transactions, cardholder fees (annual or per-transaction charges typical of charge cards), and residuals from merchant acquiring. As a Diners Club franchise, the company benefits from the global acceptance network and brand recognition of the Diners Club/Discover Financial Services ecosystem. Distribution is likely facilitated through Banka Sparkasse's retail and corporate banking channels in Slovenia, providing an embedded customer acquisition path. The "d.o.o." legal form indicates a Slovenian limited liability company, with regulatory supervision falling under the Bank of Slovenia and EU payment services regulations.
No information is available in the input regarding funding rounds, M&A activity, leadership changes, product launches beyond the core Diners Club franchise, geographic expansion outside Slovenia, or technology investments. The company's strategic posture is therefore characterized by stability as an established franchise operator rather than aggressive growth or pivoting, though the absence of disclosure signals limits confidence in this assessment.
Sparkasse Pay d.o.o. firmographics
Firmographics- Name
- Sparkasse Pay d.o.o.
- Website
- https://dinersclub.si
- Company type
- Private
- Headcount range
- 11–50 employees
- Short description
- Sparkasse Pay d.o.o. is a Slovenian payment services company that issues and operates Diners Club-branded card products in Slovenia, affiliated with the Sparkasse banking group and based in Ljubljana with 36 employees.
- Ownership category
- akta.pro rank
Sparkasse Pay d.o.o. industry classification
Industry- Product category
- Card Payment Services
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Central/Lodge Cards & Ghost Cards (Air/Hotel/Rail) (THACAJAB)
- akta.pro secondary industry
- Accounts Payable Automation & Invoice Payments for Travel Suppliers (THACAJAI)
Keywords
Sparkasse Pay d.o.o. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Sparkasse Pay d.o.o. product offering
Product offeringCore offering
Sparkasse Pay d.o.o. operates the Diners Club card business in Slovenia, issuing and managing Diners Club charge cards and providing associated card payment services to Slovenian consumers and businesses under the Diners Club Slovenia brand (dinersclub.si). The "d.o.o." legal form indicates a Slovenian limited liability company.
Differentiator
Problem solved
Functional benefit
Products and services
- Diners Club Charge Cards (Slovenia) Charge card products issued under the Diners Club brand for use in Slovenia, available to individual cardholders and (based on Diners Club product range) corporate clients, settled through the Diners Club international network.
Companies that use Sparkasse Pay d.o.o.
Customer profileIdeal customer profiles2 records
Sparkasse Pay d.o.o. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Sparkasse Pay d.o.o. partnerships and signals
Strategic signalRecent moves1 record
Expansion highlights1 record
Sparkasse Pay d.o.o. competitors and assessment
Company assessmentRegional players
- N26 (business accounts): European neobank with business banking and card products operating in several EU markets. Comparable to Sparkasse Pay as a regional European competitor for SME and corporate payment card customers, though N26 is primarily direct-to-consumer/SME rather than a Diners Club franchise.
Broad incumbents
- Diners Club International: Global owner of the Diners Club brand and charge card network under which Sparkasse Pay operates in Slovenia. Comparable as the scheme and broader portfolio operator behind the same product line Sparkasse Pay distributes locally.
- Mastercard (corporate card programs): Global card network with strong corporate and commercial card offerings in Europe. Comparable to Sparkasse Pay as a network-level competitor for corporate card issuance and acceptance in Slovenia.
- American Express (Slovenia/CEE operations): Global charge and corporate card network competing in the same Slovenia/CEE corporate spend pool as Diners Club. Comparable as a direct competitor for corporate card wallet share in the same regional market.
- Visa (corporate card programs): Global card network whose corporate and virtual card products compete with Diners Club in the CEE B2B payments space. Comparable as a broad incumbent in the same payment card category Sparkasse Pay serves.
Emerging players
- Ramp: Corporate card and spend management platform with AP automation and bill-pay features. Comparable to Sparkasse Pay as a competitor pressing into the same corporate card and AP automation categories from a digital-first angle.
- Brex: Corporate card and spend management platform issuing cards and offering AP automation. Comparable to Sparkasse Pay as a competitor in the corporate card and bill-pay space, though Brex targets a digital-native, cross-border customer base.
Direct peers
- AirPlus International: Issuer of corporate lodge cards and central billing solutions widely used for travel and corporate spend. Comparable to Sparkasse Pay because both operate in the corporate/lodge card segment with central billing and virtual card capabilities.
- WEX Inc. Provider of corporate payment solutions including virtual cards and fleet/corporate spend programs. Comparable to Sparkasse Pay as a B2B-focused card/payments specialist with corporate charge and virtual card products.
Others
- Erste Group / Sparkasse (parent banking group): Central and Eastern European banking group operating the Sparkasse brand; likely corporate parent or principal banking partner of Sparkasse Pay. Comparable as the upstream bank that distributes, capitalises, and sets strategy for Sparkasse Pay's card business.
Market position
Strengths3 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Sparkasse Pay d.o.o. social profiles
Digital presenceSparkasse Pay d.o.o. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sparkasse Pay d.o.o. leadership team
Management profileNumber of profiles
Sparkasse Pay d.o.o. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sparkasse Pay d.o.o. 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 Sparkasse Pay d.o.o.
What does Sparkasse Pay d.o.o. do?
Sparkasse Pay d.o.o. operates the Diners Club card business in Slovenia, issuing and managing Diners Club charge cards and providing associated card payment services to Slovenian consumers and businesses under the Diners Club Slovenia brand (dinersclub.si). The "d.o.o." legal form indicates a Slovenian limited liability company.
When was Sparkasse Pay d.o.o. founded?
Sparkasse Pay d.o.o. was founded in -1. It employs 11 to 50 people.
Who are Sparkasse Pay d.o.o.'s main competitors?
N26 (business accounts) is listed as a regional player. Broad incumbents are Diners Club International, Mastercard (corporate card programs), American Express (Slovenia/CEE operations) and Visa (corporate card programs). Emerging players are Ramp and Brex. Direct peers are AirPlus International and WEX Inc.. Erste Group / Sparkasse (parent banking group) is listed as an others.
Does Sparkasse Pay d.o.o. have an API?
No public API is recorded for Sparkasse Pay d.o.o..
What industry is Sparkasse Pay d.o.o. in?
Sparkasse Pay d.o.o.'s product category is Card Payment Services. Its primary akta.pro industry code is THACAJAB, Central/Lodge Cards & Ghost Cards (Air/Hotel/Rail), with a secondary code of THACAJAI, Accounts Payable Automation & Invoice Payments for Travel Suppliers. Its SIC code is 6159.