TISAK
TISAK operates Croatia's largest convenience retail kiosk network (550 Tisak plus 220 Inovina locations), providing lottery, bill payment, cash withdrawal, transportation tickets, photo services, and click&collect parcel logistics to Croatian consumers; wholly owned by Fortenova Grupa d.d.
- Company typePrivate
- Founded2019
- HeadquartersZagreb, Croatia
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What TISAK does
TISAK (TISAK plus d.o.o.) is a Croatian retail and convenience services company operating the country's largest kiosk network — 550 Tisak kiosks plus 220 Inovina kiosks — complemented by Tisak Media multimedia bookstores and five regional offices (Zagreb, Osijek, Dugopolje, Varaždin, Rijeka). The company is wholly owned by Fortenova Grupa d.d., one of Croatia's largest conglomerates, following the April 2019 resolution of the Agrokor extraordinary administration. The core offering is physical retail points delivering daily convenience services: Hrvatska Lutrija lottery games (Eurojackpot, Loto 7, Loto 6/45, KeNo, TV Bingo) via self-service terminals, utility bill payment (€0.53 per transaction), public transportation ticket sales and top-ups, cash withdrawal (OTP and HPB bank cards), Aircash wallet deposits and withdrawals, electronic vouchers (paysafecard, telecom top-ups), parking and ENC services, and event tickets. A logistics division (Tisak Logistika) provides click&collect B2C and C2C parcel services as the widest such network in Croatia, while the CEWE-powered foto.tisak.hr platform handles online photo products. Ancillary revenue comes from collectibles (Kolekcionarstvo), the RIYO tobacco accessories brand, Franck Café coffee-to-go, and the MultiPlusCard loyalty program integrated with Konzum, Zagrebačka banka, and Hrvatski Telekom. TISAK discontinued its Tisak Paket parcel service in March 2026.
TISAK monetizes primarily through transaction fees and commissions on each service line: lottery commissions, per-transaction bill payment fees, cash withdrawal fees (€0.66 OTP, 1.2% HPB), Aircash withdrawal fees (4%), and per-unit CEWE photo product sales plus delivery (€3.99, free over €40). The go-to-market is direct-to-consumer via the kiosk network for B2C services, plus channel/reseller partnerships with e-commerce companies for B2B logistics. Customer acquisition is supported by organic social channels (Facebook, Instagram, YouTube) and the MultiPlusCard loyalty program. The technology stack is conventional — ASP.NET web infrastructure, Computop payment processing, Computop/Visa/Mastercard settlement, GLS and DPD courier delivery, and Overseas Express for international parcels — with no disclosed AI/ML capabilities.
Customer base is overwhelmingly distributed Croatian general consumers transacting at neighborhood kiosks; the single enterprise channel is the click&collect logistics service to e-commerce companies. Revenue is not publicly disclosed. Geographically TISAK operates exclusively within Croatia, and the recent discontinuation of Tisak Paket, combined with no disclosed geographic expansion, indicates portfolio rationalization within a mature domestic footprint rather than aggressive top-line growth.
TISAK firmographics
Firmographics- Name
- TISAK
- Legal name
- TISAK plus d.o.o.
- Website
- https://tisak.hr
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- TISAK operates Croatia's largest convenience retail kiosk network (550 Tisak plus 220 Inovina locations), providing lottery, bill payment, cash withdrawal, transportation tickets, photo services, and click&collect parcel logistics to Croatian consumers; wholly owned by Fortenova Grupa d.d.
- Ownership category
- akta.pro rank
TISAK industry classification
Industry- Product category
- Convenience Retail Services
- NAICS
- Convenience Retailers and Vending Machine Operators (44513)
- SIC
- Services-Mailing, Reproduction, Commercial Art & Photography (7330)
- akta.pro primary industry
- Kiosk & Micro-Format Convenience Retail (CRAHABAD)
- akta.pro secondary industry
- Self-Checkout Kiosks & Interactive Retail Kiosks (HDACAKAH)
Keywords
Where TISAK is headquartered
LocationHeadquarters
- HQ city
- Zagreb
- HQ country
- Croatia
- HQ region
- Europe
Offices6 records
Markets served
TISAK business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Supply Chain, Marketing or Sales, Technology or R&D
Revenue model
- Lottery Games Commission: TISAK serves as a distribution point for Hrvatska Lutrija lottery games (Eurojackpot, Loto 7, Loto 6/45, KeNo, TV Bingo). Revenue is generated through commissions on ticket sales and payouts.
- Bill Payment Services: Customers pay bills at Tisak kiosks for a fee of 0.53 EUR per transaction. The company earns transaction fees on each payment processed.
- Cash Advance/Withdrawal: TISAK kiosks allow cash withdrawal with fees ranging from 0.66 EUR for OTP bank customers to 1.2% for HPB customers without a package. Maximum withdrawal at kiosks is 199.08 EUR.
- Aircash Services: Aircash wallet deposits are free; withdrawals carry a 4% fee. Minimum transaction is 1 EUR, maximum is 500 EUR.
- CEWE Photo Products: TISAK provides photo printing services through CEWE partnership, including photobooks, prints, calendars, gifts, and phone cases. Revenue generated through product sales with delivery or store pickup options.
- Retail Merchandise: TISAK sells tobacco products (RIYO brand rolling papers and filters), collectibles, and other kiosk merchandise.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Bill payment: 0.53 EUR per transaction regardless of amount |
| Transaction based/ take rate | Pay-as-you-go | Cash withdrawal: 0.66 EUR (OTP bank) or 1.2% (HPB without package) |
| Transaction based/ take rate | Pay-as-you-go | Aircash: Free deposit, 4% withdrawal fee |
| Unit Pricing | Pay-as-you-go | Photo products: Variable pricing per product category |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
TISAK product offering
Product offeringCore offering
TISAK operates Croatia's largest retail kiosk network (550 Tisak kiosks and 220 Inovina kiosks plus Tisak Media multimedia stores) providing everyday convenience services: Hrvatska Lutrija lottery games, utility bill payment, public transportation tickets, cash withdrawal, electronic vouchers, parking/ENC top-up, Aircash wallet services, and event ticket sales. The company also runs a B2B click&collect logistics division (TISAK logistika) and a CEWE-branded photo service (foto.tisak.hr) offering personalized photobooks, prints, calendars, wall decorations, gifts, and phone cases.
Product overview
TISAK (TISAK plus d.o.o., fully owned by Fortenova Group d.d.) is a Croatian retail and convenience services company operating the country's largest kiosk network — 550 Tisak kiosks and 220 Inovina kiosks — complemented by Tisak Media multimedia bookstores. The company's core offering centers on physical retail locations providing essential daily services: lottery games (Hrvatska Lutrija), bill payment, public transportation tickets, cash withdrawal, parking/ETC cards, electronic vouchers, Aircash, international parcel services, and Franck Café coffee. TISAK also operates a logistics division (Tisak Logistika) providing click&collect and B2C/C2C parcel distribution. The digital channel is anchored by a CEWE-powered photo service (foto.tisak.hr) offering personalized photobooks, photo calendars, wall decorations, greeting cards, photo prints, photo gifts, and phone cases — available through the website, a CEWE desktop program, and a CEWE mobile app. A loyalty program (MultiPlusCard) rewards customers for purchases and bill payments. Additional product lines include collectibles (Kolekcionarstvo) and RIYO smoking accessories.
Differentiator
Problem solved
Functional benefit
Brands
- RIYO: Smoking accessories brand offering rolling papers, filter envelopes, rollers, filters, and filtered tubes.
- CEWE
Products and services
- Lottery Games (Hrvatska Lutrija Distribution)
Quantifiable outcome
- Leading B2C parcel distribution partner in Croatia for e-commerce
Companies that use TISAK
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles2 records
TISAK technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature2 records
TISAK partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Hrvatska LutrijacoreTISAK serves as a distribution channel for Croatian Lottery games including Eurojackpot, Loto 7, Loto 6/45, KeNo, and TV Bingo. Self-service terminals enable customers to play independently.
- AircashcoreAircash wallet deposits and withdrawals available at TISAK kiosks. Deposits are free; withdrawals carry a 4% fee. Transaction limits: 1-500 EUR.
- E-commerce Companies (B2C)coreTISAK logistika provides click&collect logistics solutions to e-commerce companies with the widest network in Croatia. The company also develops innovative C2C parcel services.
- Overseas ExpressminorTISAK kiosks serve as local parcel shops for Overseas Express, enabling parcel collection and delivery services.
- CEWEcoreCEWE photo products (photobooks, prints, calendars, gifts) are available through TISAK photo services. CEWE Stiftung & Co. KGaA is the operator of foto.tisak.hr. CEWE holds TIPA World Awards for photo services.
- Eventim, Event Masters, Prstac, Dekod, Entrio, Core EventminorVarious ticket distributors whose event tickets are available for purchase at Tisak Media centers.
- GLS CroatiaminorGLS provides courier delivery services for CEWE photo products ordered through foto.tisak.hr, offering home delivery or parcel locker delivery.
- DPD Croatia (Direktna paketna distribucija)minorDPD Croatia provides courier and delivery services for photo product orders.
- Zagrebačka banka (ZABA)minorMultiPlusCard loyalty program partner. Customers earn extra MPC points when paying with ZABA Mastercard or Maestro cards at Tisak Media bookstores.
- Hrvatski Telekom, MultiPlus mobileminorPart of MultiPlusCard loyalty program ecosystem. Customers earn bonus points when purchasing telecom top-up cards at Tisak Media.
- KonzumminorPart of MultiPlusCard loyalty program, allowing point accumulation across Tisak, Konzum, Zagrebačka banka, and telecom partners.
Scale indicators4 records
Recent moves4 records
Expansion highlights5 records
TISAK competitors and assessment
Company assessmentDirect peers
- Euronet Worldwide: Global ATM and digital payment services operator with EFT POS and money-transfer kiosks — comparable to TISAK's cash withdrawal, Aircash wallet services, and self-service terminal infrastructure across a multi-country footprint.
- CEWE Stiftung & Co. KGaA: European leader in photo printing and personalized photo products, and TISAK's actual operating partner for foto.tisak.hr — directly comparable in product category (photobooks, calendars, wall décor, photo gifts) and now sharing the same product platform.
- PayPoint: UK-listed multi-service retail network operator providing bill payment, top-up, parcel, and cash services through convenience retailers — a direct functional analogue to TISAK's one-stop kiosk model, with comparable transaction-fee revenue economics.
- Hrvatska Pošta (Croatian Post): Croatian national postal operator offering bill payment, parcel delivery/collection, and lottery sales across the country — directly competing with TISAK on the same convenience service lines for the same general-consumer base in Croatia.
- Overseas Express: International parcel delivery operator using TISAK kiosks as local parcel shops — directly comparable in click&collect and last-mile parcel services, and a partner embedded in TISAK's logistics network.
Others
- Franck: Croatian coffee and consumer goods brand whose "Coffee to Go" product is sold at select TISAK kiosks — adjacent ecosystem participant, illustrating how TISAK's footprint serves as a distribution channel for FMCG partners.
- Hrvatska Lutrija: Croatian national lottery operator for whom TISAK acts as the principal distribution channel — not a competitor but a critical upstream partner whose own digital distribution strategy could materially reshape TISAK's lottery commission economics.
Broad incumbents
- Western Union: Global money-transfer giant whose agent-network model (cash-in/cash-out at retail points) is highly comparable to TISAK's cash advance and Aircash withdrawal services, with broader global scale and brand.
- Konzum: Croatia's largest grocery retailer and a MultiPlusCard loyalty partner of TISAK — overlaps on national convenience access and loyalty ecosystem, and shares the same Fortenova Grupa parent, making it a strategic incumbent rather than a direct kiosk competitor.
- INA Group (Croatia): Croatian fuel retail major with a national network of forecourt convenience kiosks offering payments and small goods — overlaps with TISAK on convenience services and Croatian nationwide presence, but anchored to fuel retail rather than a multi-service kiosk model.
Market position
Strengths1 record
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
TISAK social profiles
Digital presenceTISAK financial estimates
Financial estimateRevenue estimate
Valuation estimate
TISAK leadership team
Management profileNumber of profiles
TISAK subsidiaries and ownership
Company hierarchySubsidiaries1 record
TISAK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TISAK 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 TISAK
What does TISAK do?
TISAK operates Croatia's largest retail kiosk network (550 Tisak kiosks and 220 Inovina kiosks plus Tisak Media multimedia stores) providing everyday convenience services: Hrvatska Lutrija lottery games, utility bill payment, public transportation tickets, cash withdrawal, electronic vouchers, parking/ENC top-up, Aircash wallet services, and event ticket sales. The company also runs a B2B click&collect logistics division (TISAK logistika) and a CEWE-branded photo service (foto.tisak.hr) offering personalized photobooks, prints, calendars, wall decorations, gifts, and phone cases.
Is TISAK a public or private company?
TISAK is a private company. It is classified as corporate owned and is currently operating.
When was TISAK founded?
TISAK was founded in 2019. It employs 1,001 to 5,000 people.
Where is TISAK based?
TISAK is headquartered in Zagreb, Croatia, in the Europe region.
How does TISAK make money?
Six revenue lines are on record. Lottery Games Commission is the primary driver. The others are bill Payment Services, cash Advance/Withdrawal, aircash Services, CEWE Photo Products and retail Merchandise.
Who are TISAK's main competitors?
Direct peers on record are Euronet Worldwide, CEWE Stiftung & Co. KGaA, PayPoint, Hrvatska Pošta (Croatian Post) and Overseas Express. Others are Franck and Hrvatska Lutrija. Broad incumbents are Western Union, Konzum and INA Group (Croatia).
Does TISAK have an API?
No public API is recorded for TISAK.
What industry is TISAK in?
TISAK's product category is Convenience Retail Services. Its primary akta.pro industry code is CRAHABAD, Kiosk & Micro-Format Convenience Retail, with a secondary code of HDACAKAH, Self-Checkout Kiosks & Interactive Retail Kiosks. Its NAICS code is 44513 and its SIC code is 7330.