What Planet Pay does

Planet Pay Sp. z o.o. is a Warsaw-headquartered, KNF-licensed (registration IP31/2015) National Payment Institution (Krajowa Instytucja Płatnicza) operating exclusively in Poland. It is a wholly owned subsidiary of ITCARD S.A., Poland's largest ATM and transaction authorization center, and functions as the group's merchant acquiring and payment acceptance brand. Planet Pay delivers omnichannel payment acceptance infrastructure spanning stationary and mobile POS terminals (Ingenico and Verifone hardware), the POSapp mobile application (including Tap to Pay on iPhone), and an online payment gateway (bramka płatnicza) supporting BLIK, Visa, Mastercard, Apple Pay, Google Pay, and Samsung Pay. The platform is extended by self-service integrations, fiscal-POS combined devices (POSNET EVO/POSPAY) for Polish tax compliance, DCC (Dynamic Currency Conversion), MultiAccount routing, and the eBOK client portal.

The business operates across nine named industry verticals (retail, gastronomy, hotels, taxi, government/public administration, transport, beauty, services, couriers) and is monetized through transaction/interchange fees, multi-year POS terminal rentals (39 PLN/month standard), POSapp subscriptions (9 PLN/month plus 0.89% + 0.05 PLN per transaction), and co-branded card issuing services for Allegro Pay, Flexee, mPay, Samsung Electronics Polska, and Wonga under a Visa license. Distribution runs through direct inbound sales, a partner agent network (lead and agency models), and bank channel partnerships with mBank, 280+ BPS cooperative banks, 70+ SGB cooperative banks, and VW Bank. The company holds PCI DSS v5 certification, reports a 4.8/5.0 Google rating across 961 reviews (claimed as the highest-rated settlement agent in Poland), and offers 48-hour terminal installation and next-business-day settlements. Recent strategic activity includes the April 2026 Żabka Żappka Pay embedded finance partnership with PKO Bank Polski and Visa, the March 2025 Tap to Pay on iPhone launch, and embedded lending distribution through Revilo Payments.

Name

Planet Pay

Legal name

Planet Pay Sp. z o.o.

Website

https://planetpay.pl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Planet Pay is a Poland-focused, KNF-licensed National Payment Institution and subsidiary of ITCARD S.A. that delivers omnichannel payment acceptance (POS terminals, POSapp mobile, online gateway, co-branded card issuing) to merchants, financial institutions, and fintech partners across multiple industry verticals.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Lessors (6172)

akta.pro primary industry

EMV Chip, Magstripe & PIN Debit Acceptance (FSAMADAG)

akta.pro secondary industry

Request-to-Pay (R2P) & Pay Links (FSAMAFAE)

Keywords

• Payment processing services
• POS terminals
• Mobile payment acceptance
• Online payment gateway
• Card issuing services

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Transaction/Interchange Fees: Planet Pay charges merchants a percentage fee plus fixed amount per transaction for card payments processed through its POS terminals and online gateway. Fees vary by terminal type, card type, and transaction type. DCC (Dynamic Currency Conversion) generates additional revenue share for the acceptor discount model.
2. POS Terminal Rental/Leasing: Merchants lease POS terminals under 24 or 36-month contracts. New merchants without prior terminals can receive up to 12 months of subsidy under the Polska Bezgotówkowa program. Standard rental fees apply after promotional periods (e.g., 39 PLN/month after initial 6 months at 1 PLN/month).
3. POSapp Subscription: POSapp mobile payment application charged at 9 PLN/month plus 0.89% + 5 gr per transaction. Accepts contactless payments without dedicated terminal hardware.
4. Co-branded Card Issuing: Planet Pay issues co-branded payment cards in partnership with Allegro Pay, Flexee, mPay, Samsung Electronics Polska, and Wonga. Revenue derived from card processing, interchange, and associated service fees. Planet Pay does not charge card holders currency conversion fees.
5. Revilo Loan Facilitation: Planet Pay facilitates access to Revilo Payments working capital loans for its merchant acceptors, based on card transaction turnover. Loan amounts from 4,000 PLN to 200,000 PLN with 4, 6, or 12-month repayment terms. Planet Pay acts as the distribution channel; Revilo Payments is the lender.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Planet Pay is a Polish KNF-licensed National Payment Institution that provides omnichannel payment acceptance services to merchants and financial institutions, including stationary and mobile POS terminals, the POSapp smartphone payment application, an online payment gateway (bramka płatnicza) for e-commerce, co-branded Visa payment card issuing, and integrated fiscal-POS solutions. Operations are supported by a digital self-onboarding portal (eBOK) and distribution through over 280 cooperative banks plus mBank across Poland.

Product overview

Planet Pay is a payment acceptance platform offering a comprehensive suite of payment solutions for Polish merchants. The core offering consists of POS terminals (stationary and mobile from Ingenico and Verifone), the POSapp mobile payment application that transforms devices into payment terminals, and an online payment gateway for e-commerce. Additional specialized solutions include fiscal solutions (POSNET EVO, POSPAY), self-service payment integrations, Tap to Pay on iPhone, transport ticketing (Bileterka e-podróżnik), and ancillary services such as MultiAccount, Private Data, DCC currency conversion, and Revilo financing for acceptors. The eBOK portal provides unified account management for all services.

Differentiator

Problem solved

Functional benefit

Brands

• POSapp: Mobile application that transforms a smartphone or tablet into a payment terminal, enabling contactless card payments, BLIK, Apple Pay, and Google Pay acceptance; also includes Tap to Pay on iPhone functionality.
• Revilo
• POSapp

Products and services

• Terminale POS (POS Terminals)

Quantifiable outcome

• 4.8/5.0 Google rating based on 961 reviews — highest-rated settlement agent in Poland
• +4 more outcomes

Named customers1 record

Segments12 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature14 records

Partnerships

25 partnerships are on record, tiered flagship, core, major and minor.

• Żabka (Polish convenience store chain)flagshipStrategic or Co-development Partner · 17 April 2026Żabka, Poland's largest convenience store chain (thousands of locations), partnered with PKO Bank Polski and Visa to launch Żappka Pay — a financial service integrating credit card and consumer financing into a mobile app. Planet Pay is listed as a key collaborator alongside Visa in this embedded banking initiative, enabling payment acceptance infrastructure for the service.
• PKO Bank PolskiflagshipStrategic or Co-development Partner · 17 April 2026Poland's largest bank partnered with Żabka and Visa to launch Żappka Pay. Planet Pay serves as the payment acceptance infrastructure provider for this embedded finance initiative. PKO Bank Polski acts as the banking partner providing the financial product layer.
• VisaflagshipTechnology or Integration · 17 April 2026Visa is a key card network partner for Planet Pay. Planet Pay processes Visa card transactions across all its terminals and online gateway. Visa is also co-present in the Żabka Żappka Pay embedded finance launch alongside PKO Bank Polski and Planet Pay.
• Apple Inc. (Tap to Pay on iPhone)coreTechnology or Integration · 18 March 2025Apple expanded Tap to Pay on iPhone to Poland (among 9 European countries) effective March 18, 2025. Planet Pay is one of the payment platforms enabling Tap to Pay on iPhone via its POSapp mobile application. The feature allows merchants to accept contactless payments directly on iPhone without additional hardware.
• ITCARD S.A.coreOthersITCARD S.A. is the parent company and sole owner of Planet Pay sp. z o.o. ITCARD is the largest Polish ATM center and transaction authorization hub, operating the Planet Cash ATM network (~5,000 ATMs in Poland) and the Planet Pay terminal network. Planet Pay is part of the ITCARD group and benefits from shared infrastructure, processing scale, and banking relationships. Planet Pay co-offers card issuing, ATM access, and cash acceptance services within the ITCARD ecosystem.
• MastercardflagshipTechnology or IntegrationMastercard is a primary card network partner for Planet Pay. Planet Pay processes Mastercard transactions across all POS terminals, mobile terminals (POSapp, mPOS), and online payment gateway. Both credit and debit Mastercard cards are supported.
• BLIK (Polski Standard Płatności)flagshipTechnology or IntegrationBLIK is Poland's dominant mobile payment method and a core payment option on all Planet Pay terminals and online gateway. BLIK transactions use a 6-digit code generated in banking apps. Planet Pay supports BLIK contactless payments, BLIK on mobile, and BLIK in online checkout.
• mBank (mBank S.A.)majorChannel Partner/ Reseller/ DistributormBank distributes Planet Pay POS terminals and payment services to its business customers through its branch and digital channels. Planet Pay terminals are available through the mBank for Firms platform, with dedicated regulations and customer support.
• Bank Polskiej Spółdzielczości (BPS) NetworkmajorChannel Partner/ Reseller/ DistributorPlanet Pay terminals are distributed through the BPS cooperative banking network — over 280 cooperative banks (banki spółdzielcze). This provides Planet Pay with extensive physical distribution across rural and regional Poland where cooperative banks have strong presence.
• SGB (Spółdzielcza Grupa Bankowa)majorChannel Partner/ Reseller/ DistributorPlanet Pay terminals are distributed through the SGB cooperative banking network covering 70+ cooperative banks. Extends Planet Pay's physical distribution reach into rural Poland.
• VW Bank (Volkswagen Bank)minorChannel Partner/ Reseller/ DistributorVW Bank distributes Planet Pay payment terminal services to its business banking customers.
• Allegro Pay sp. z o.o.coreChannel Partner/ Reseller/ DistributorAllegro Pay, part of Allegro.pl (Poland's largest e-commerce marketplace), partnered with Planet Pay for co-branded payment card issuing. Planet Pay issues Allegro Pay-branded debit/prepaid cards accessible in the Allegro mobile app (Android/iOS), enabling card payments, ATM withdrawals, and online transactions for Allegro customers.
• Flexee sp. z o.o.coreChannel Partner/ Reseller/ DistributorFlexee, a Polish BNPL/lending fintech, partnered with Planet Pay for co-branded payment card issuing. Planet Pay issues Flexee-branded payment cards accessible in the Flexee mobile app (Android/iOS).
• mPay S.A.coreChannel Partner/ Reseller/ DistributormPay, a Polish mobile payment pioneer, partnered with Planet Pay for co-branded payment card issuing. Planet Pay issues mPay-branded payment cards accessible in the mPay mobile app (Android/iOS).
• Samsung Electronics Polska sp. z o.o.coreChannel Partner/ Reseller/ DistributorSamsung partnered with Planet Pay for co-branded Samsung-branded payment cards accessible via Samsung Link app (Android). Planet Pay issues and manages the physical/virtual cards under Visa license, while Samsung provides the mobile wallet and app distribution.
• Wonga.pl sp. z o.o.coreChannel Partner/ Reseller/ DistributorWonga.pl, a Polish consumer lending fintech, partnered with Planet Pay for co-branded payment card issuing. Planet Pay issues Wonga-branded payment cards accessible in the Wonga app (Android/iOS).
• WooCommercecoreTechnology or IntegrationPlanet Pay provides an official WooCommerce plugin for its payment gateway, available in the WordPress plugin repository (pl.wordpress.org). Allows WordPress/WooCommerce merchants to add Planet Pay as a checkout payment method in minutes.
• PrestaShopcoreTechnology or IntegrationPlanet Pay provides an official PrestaShop module for its payment gateway, downloadable as a ZIP from the Planet Pay website. Enables PrestaShop merchants to accept Planet Pay payments.
• Magento (Adobe)coreTechnology or IntegrationPlanet Pay provides an official Magento 2.4.1 module for its payment gateway, downloadable as a ZIP. For Adobe Magento merchants requiring custom e-commerce integrations.
• POSNET (Novitus)coreTechnology or IntegrationPOSNET (Novitus) provides fiscal register hardware integrated with Planet Pay payment acceptance. POSNET EVO and POSPAY devices combine fiscal cash register and Planet Pay payment terminal in a single device. Both companies collaborate on fiscal-POS integration solutions for Polish merchants.
• Teroplan S.A. (e-podróżnik)coreTechnology or IntegrationTeroplan's e-podróżnik ticket management application runs on the PAX A920 Pro terminal alongside Planet Pay's payment acceptance module and POSNET's virtual fiscal register. This creates the Bileterka e-podróżnik solution for transport operators. Teroplan provides the timetable and ticket sales software layer.
• Ingenico (Worldline)coreTechnology or IntegrationIngenico is the primary POS terminal hardware supplier for Planet Pay. Planet Pay offers Ingenico Desk 3500, Desk 2600, Pin Pad series (Desk 1200, 1600, Lane 3600), Move 2500, and Move 2600 terminals. All Ingenico terminals are PCI PTS v5 or v6 certified and support all Planet Pay payment methods.
• VerifonecoreTechnology or IntegrationVerifone is a key POS terminal hardware supplier for Planet Pay. Planet Pay offers Verifone P400 (stationary), Vx520 (stationary), Vx675 (mobile), and V240m (mobile) terminals. All terminals support Planet Pay's payment application.
• Revilo Payments sp. z o.o.minorGTM or Marketing PartnerRevilo Payments is a working capital lender for Planet Pay merchant acceptors. Planet Pay distributes the Revilo loan product on its website (revilo.pl), offering merchants loans from 4,000 PLN to 200,000 PLN based on card transaction history. Revilo handles underwriting and lending; Planet Pay acts as the marketing and distribution channel.
• WeSub S.A.minorGTM or Marketing PartnerWeSub S.A. is a financial product partner listed on the Planet Pay website for additional financial services cross-selling. Planet Pay provides the distribution channel; WeSub is the financial product provider.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• SumUp: SumUp is a global mPOS specialist offering mobile card readers and integrated payment acceptance, with strong penetration in Poland. It competes directly with Planet Pay's POSapp and mobile terminal offerings for SMB and micro-merchant segments.
• PayU: PayU is one of the largest online payment processors in Poland and a direct competitor to Planet Pay's payment gateway. Both serve Polish merchants with omnichannel acceptance (online, mobile, POS) and broad method support including BLIK, cards, and alternative payments.
• Autopay (Blue Media): Blue Media / Autopay is a Polish payment service provider offering online payment gateway, POS terminals, and payment processing for Polish merchants. It is a domestic competitor with overlapping BLIK and card acceptance offerings.
• Tpay: Tpay is a Polish payment gateway and acquiring service offering online payments, mobile payments, and POS terminals for Polish merchants. It directly competes with Planet Pay's gateway and terminal business for the same SMB and mid-market merchant base in Poland.
• myPOS: myPOS offers mobile POS terminals and integrated payment solutions for SMBs across Europe, including Poland. It competes directly with Planet Pay on mobile card acceptance and Tap to Pay style offerings.
• Przelewy24 (P24 / Nexi Group): Przelewy24 is a leading Polish online payment processor serving thousands of Polish merchants. Following acquisition by Nets/Nexi, it has expanded into omnichannel acquiring, directly competing with Planet Pay for Polish merchant payment volume.
• Polski e-Płatności (First Data / Fiserv): Polski e-Płatności is a major Polish payment acquirer offering POS terminals, payment gateway, and merchant services under the Fiserv/First Data umbrella. It is a scaled domestic competitor to Planet Pay across the same Polish merchant verticals.

Broad incumbents

• Adyen: Adyen is a global unified payments platform offering acquiring, gateway, and POS services to enterprise merchants in Poland and across Europe. It is a broader incumbent competing for the same Polish mid-market and enterprise payment volume with a larger technology footprint.
• Stripe: Stripe is a global online payments platform with growing Polish merchant coverage, particularly in e-commerce. It competes with Planet Pay's gateway and e-commerce integrations for online Polish merchants seeking modern developer-first APIs.
• Worldline (Ingenico): Worldline (which acquired Ingenico) is a major European payment processor and POS terminal manufacturer/hardware partner to Planet Pay. As a broader incumbent, it competes with Planet Pay across European payment processing while also supplying terminal hardware.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/planet-pay

Compliance2 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 Planet Pay