TISAK

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.

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

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

• Convenience retail services
• Lottery distribution
• Bill payment services
• Click and collect logistics
• Photo printing services

Headquarters

HQ city

Zagreb

HQ country

Croatia

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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.
4. Aircash Services: Aircash wallet deposits are free; withdrawals carry a 4% fee. Minimum transaction is 1 EUR, maximum is 500 EUR.
5. 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.
6. Retail Merchandise: TISAK sells tobacco products (RIYO brand rolling papers and filters), collectibles, and other kiosk merchandise.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core 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

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature2 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Hrvatska LutrijacoreChannel Partner/ Reseller/ DistributorTISAK 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.
• AircashcoreChannel Partner/ Reseller/ DistributorAircash 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)coreStrategic or Co-development PartnerTISAK 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 ExpressminorChannel Partner/ Reseller/ DistributorTISAK kiosks serve as local parcel shops for Overseas Express, enabling parcel collection and delivery services.
• CEWEcoreStrategic or Co-development PartnerCEWE 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 EventminorChannel Partner/ Reseller/ DistributorVarious ticket distributors whose event tickets are available for purchase at Tisak Media centers.
• GLS CroatiaminorChannel Partner/ Reseller/ DistributorGLS 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)minorChannel Partner/ Reseller/ DistributorDPD Croatia provides courier and delivery services for photo product orders.
• Zagrebačka banka (ZABA)minorStrategic or Co-development PartnerMultiPlusCard loyalty program partner. Customers earn extra MPC points when paying with ZABA Mastercard or Maestro cards at Tisak Media bookstores.
• Hrvatski Telekom, MultiPlus mobileminorStrategic or Co-development PartnerPart of MultiPlusCard loyalty program ecosystem. Customers earn bonus points when purchasing telecom top-up cards at Tisak Media.
• KonzumminorStrategic or Co-development PartnerPart of MultiPlusCard loyalty program, allowing point accumulation across Tisak, Konzum, Zagrebačka banka, and telecom partners.

Scale indicators4 records

Recent moves4 records

Expansion highlights5 records

Direct 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

• YouTubeyoutube.com/channel/UC6k2w5timnPKmD1WVIyiygw
• Facebookfacebook.com/tisakmedia
• Instagraminstagram.com/tisak_media/?hl=en
• Xx.com/tisak
• LinkedInlinkedin.com/company/tisak

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 TISAK