MyWallet

What MyWallet does

MyWallet, operated by CE Technology Sp. z o.o., is a Polish e-receipt platform that digitises the issuance, storage, and management of fiscal receipts at the point of sale. Founded in 2020 and headquartered in Puławy with a secondary office in Warsaw, the company serves two primary customer segments: individual consumers via a free mobile application distributed through Google Play and Apple App Store, and brick-and-mortar retailers and service providers via a B2B SaaS subscription. The solution is positioned as the only Polish-market offering that does not require integration with existing POS systems, instead connecting via a dedicated hardware scanner or software installed on existing payment terminals or POS computers.

The platform comprises three core components: (1) an E-Receipt HUB that connects to Poland's Ministry of Finance National Receipt HUB under the national e-paragon programme; (2) a cash register system for issuing electronic receipts; and (3) a consumer-facing mobile application and web portal. The technical stack is built on IoT, Artificial Intelligence, Cloud Computing, and Advanced Analytics. Distinctive features include touchless barcode-based receipt collection, KID code technology, GDPR/RODO-compliant anonymised data processing, automated customer experience management with ratings and reviews sourced from e-receipts, intelligent expense categorisation, and promotional campaign automation. A blockchain-based P2P transaction system is also referenced within the broader product ecosystem.

MyWallet operates a hybrid revenue model: monthly SaaS subscriptions to retailers and service providers (priced at 'several dozen zlotys per month', approximately PLN 40-80), one-time hardware scanner sales, premium consumer features (e.g., e-receipts with NIP tax number for business users), advertising and promotional content placement, and aggregated transaction-data analytics services. Go-to-market is product-led for consumers via the free app and sales-led for businesses via a consultative onboarding flow. The company has received 1,120,000 PLN in non-dilutive EU co-funding through the Bridge Alfa programme (2019) and an investment from Space Bridge Fund (April 2023). Strategic partners include PKO Bank Polski via the Accelpoint Green Impact program (July 2025), Poland's Ministry of Finance (regulatory infrastructure), and a pilot deployment at Le Cedre Restaurant in Warsaw (2022).

Name

MyWallet

Legal name

CE Technology Spółka z ograniczoną odpowiedzialnością

Website

https://mywallet.com.pl

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

MyWallet, operated by CE Technology Sp. z o.o., is a Polish e-receipt platform providing retailers, service providers, and consumers with digital receipt issuance, storage, expense management, and customer experience analytics built on IoT, AI, and cloud technology.

Ownership category

akta.pro rank

Product category

Electronic Receipt Management Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Biller Direct EBPP Platforms (FSAMAJAA)

akta.pro secondary industry

Payment PIN Pads, Card Readers & NFC Contactless Devices (HDACAKAG)

Keywords

• Electronic receipt platform
• Pos integration software
• Digital receipt management
• Retailer saas solutions
• Mobile expense tracking

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Business SaaS Subscription: Monthly subscription model for retailers and service providers to access the MyWallet business platform, including e-receipt issuance, customer management, and analytics dashboard. Pricing is described as 'several dozen zlotys per month'.
2. Hardware Scanner Sales: MyWallet offers a hardware scanner solution that connects to POS computers without requiring system integration, representing a hardware revenue component.
3. Premium Features for Consumers: Premium features including e-receipt with NIP number (simplified invoice for companies), document summaries in accounting format for tax declarations and delegation settlements, and fast document transfer functionality.
4. Advertising and Promotional Content: Unlimited promotional content placement capabilities due to cloud-stored receipts, providing businesses with a new marketing communication channel.
5. Data and Analytics Services: Active and passive data reports for businesses to optimize customer shopping experiences and build loyalty, based on transaction data collected from e-receipts.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

MyWallet provides an electronic receipt management platform consisting of three components: (1) a free mobile application for individual consumers to receive, store, and manage e-receipts with expense and budget tracking; (2) a SaaS business platform for brick-and-mortar retailers and service providers to issue e-receipts, collect customer ratings, and run promotional campaigns; and (3) the E-Receipt HUB, a cloud repository integrated with Poland's Ministry of Finance national receipt infrastructure. A dedicated hardware scanner enables e-receipt issuance without integration with existing POS systems.

Product overview

MyWallet is a unified digital receipt platform consisting of three interconnected components: (1) the MyWallet Business Platform - a SaaS solution for retailers and service providers to issue e-receipts, collect customer ratings/reviews, and run promotional campaigns; (2) the MyWallet Mobile Application - a free consumer app for receiving, storing, and managing e-receipts with integrated Budget/Expense Manager tools for personal finance tracking; and (3) the E-Receipt HUB - a cloud repository that connects to Poland's National Receipt HUB (Ministry of Finance). The ecosystem also includes a dedicated MyWallet Scanner hardware device for POS integration without requiring cash register system integration. The platform operates on a B2B subscription model (SaaS) combined with a free consumer-facing mobile app, generating value through promotional communications, anonymous customer data analytics, and premium features for business customers.

Differentiator

Problem solved

Functional benefit

Products and services

• MyWallet Mobile Application Free consumer-facing mobile application for individuals to receive, store, and manage electronic receipts from retailers, with built-in barcode scanning, expense and budget tracking, ratings and reviews, and promotional offer delivery. Available on Google Play (com.cetechnology.mywallet) and Apple App Store (id6468780049).
• MyWallet Business Platform SaaS subscription platform for retailers and service providers that enables e-receipt issuance from point-of-sale, automated collection of customer ratings and reviews, promotional campaign automation, and business reporting and analytics. Priced as a monthly subscription described as several dozen zlotys per month.
• MyWallet Scanner (Hardware) Physical scanner hardware device that connects to POS systems or payment terminals without requiring integration with cash register sales software, enabling retailers to issue e-receipts to customers via barcode scan or touchless tap.
• E-Receipt HUB Cloud-based repository that connects Poland's Ministry of Finance national Receipt HUB with point-of-sale systems and customer mobile applications to transmit, store, and retrieve electronic receipts indefinitely and across devices.

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature10 records

Partnerships

Four partnerships are on record, tiered flagship, core and minor.

• PKO Bank PolskiflagshipStrategic or Co-development Partner · 7 July 2025PKO Bank Polski partnered with Accelpoint accelerator for the Green Impact program. CE Technology was selected from 100 startups to implement innovative IT tools supporting PKO BP in modernizing infrastructure, automating processes, and improving digital services for customers.
• Accelpoint AcceleratorcoreStrategic or Co-development Partner · 7 July 2025Accelpoint organizes and runs the Green Impact program in partnership with PKO Bank Polski. CE Technology was selected from 100 startups from Poland and abroad for this acceleration program focused on pro-environmental startups.
• Le Cedre RestaurantminorOthersProof of Concept conducted at Le Cedre restaurant in Warsaw on July 1, 2022 to demonstrate MyWallet e-receipt functionality and customer experience management capabilities in a real business environment.
• Ministry of Finance (Poland)coreOthersThe Ministry of Finance is preparing a national repository of electronic receipts (Receipt HUB) to which MyWallet sends e-receipts from cash registers. This regulatory infrastructure enables MyWallet's core functionality. The Ministry has announced changes in regulations to make e-receipt mechanisms possible.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Bill.com: Digital business bill pay, AP/AR and expense management platform with both consumer/expense tracking and business-facing document workflows overlapping MyWallet's dual-sided model.
• InvoiceCloud: US-based EBPP platform for biller-direct electronic bill presentment and payment; a scaled analog of MyWallet's retailer-to-consumer digital-receipt flow.
• Billit: Belgian EBPP/e-invoicing platform serving SMBs with electronic bill presentment and digital document workflows — directly analogous to MyWallet's retailer-facing e-receipt SaaS offering.
• Anybill: German digital-receipt startup offering a comparable e-receipt and loyalty platform for retailers, operating in the same EU regulatory-driven digital-receipt space as MyWallet.

Broad incumbents

• SumUp: European mobile POS and payment-acceptance provider targeting SMB merchants; comparable to MyWallet on the hardware/POS side and on the small-retailer distribution motion.
• Bottomline Technologies: Established US/UK fintech offering bill presentment, payment, and document automation suites to banks and corporates — broader incumbent operating in the same EBPP category as MyWallet.
• Block (Square): Global POS hardware and merchant services incumbent whose ecosystem competes with MyWallet at the SMB cash-register and receipt-digitalization layer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/MyWalletMobileApp
• LinkedInlinkedin.com/company/mywallet-e-paragony/?viewAsMember=true

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

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 MyWallet