pays.cz

What pays.cz does

Pays (pays.cz s.r.o.) is a Czech payment gateway operator registered with the Czech National Bank (ČNB) as a payment service provider. Founded in 2015 and headquartered in the Czech Republic, the company provides a cloud-based online payment platform that enables merchants to accept card payments (Visa, Mastercard), bank transfers, QR payments, and mobile payments (Apple Pay, Google Pay, MasterPass) without requiring a full e-commerce setup. The platform serves primarily small and medium-sized e-commerce merchants, individual entrepreneurs and freelancers, ticketing operators, parking operators, municipalities, large multi-branch charities, and digital content creators in Czech Republic and Slovakia, with an enterprise multi-branch payment solution developed jointly with Česká spořitelna and Global Payments.

The platform architecture centers on a core payment gateway with self-service onboarding (advertised 10-minute setup, no programming required), supplemented by modular optional services including payment links (platební odkaz), payment slips (platební předpis), automated second payment attempts (28% retry success), email-based payment reminders (37% bank-transfer completion, 19% card completion within 30 minutes), virtual and mobile NFC payment terminals, automated document generation (invoices, receipts, vouchers), digital content delivery via E-products, and optional SMS notifications. Technical integration is delivered through native modules for Shoptet, WooCommerce, PrestaShop, Magento, and Wix, plus 25+ partner integrations spanning ticketing (smsticket, Streamio), reservation (Reservanto, Rezervuj.com, Better Hotel, AGNIS), accommodation (Trevlix, Rezeo), food delivery (Reservo Eats), and parking (Parkum). Public infrastructure includes a real-time availability monitoring dashboard (monitoring.pays.cz) with 3-month uptime history, and the company deliberately avoids tracking cookies, Google Analytics, and behavioral profiling.

Pays operates on a transaction-based revenue model with no monthly subscription fees. Merchants pay individually negotiated transaction fees of 0.6%-2.5% per transaction plus a flat 1 Kč fixed fee, plus a 19-39 Kč fee per revenue transfer to their bank account. A one-time 600 Kč activation fee covers onboarding administrative costs. The "Pays Direct" mode integrates GP webpay acquiring from Česká spořitelna, KB SmartPay, REVO (Raiffeisenbank), and UniCredit, charging no Pays per-transaction fee while merchants pay their bank directly, with daily revenue crediting and automatic EET evidence. Distribution is primarily product-led growth via self-service online registration and partner-driven referrals. Pays is a privately held, bootstrapped company with no disclosed institutional investors, funding rounds, or external capital structure.

Name

pays.cz

Legal name

pays.cz s.r.o.

Website

https://pays.cz

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Pays (pays.cz s.r.o.) is a Czech-licensed online payment gateway enabling SMB merchants in Czech Republic and Slovakia to accept card, bank-transfer, QR, and mobile payments via payment links, payment slips, and 25+ e-commerce platform integrations, with no monthly subscription.

Ownership category

akta.pro rank

Product category

Online Payment Gateway

NAICS

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

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH), A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), Payment-Integrated Booking & Checkout Modules (THALADAO)

Keywords

• Online payment gateway
• Card payment processing
• E-commerce payment solutions
• QR code payments
• Merchant payment services

Headquarters

HQ city

Czech Republic

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: Merchants pay a transaction fee per payment processed. Fees range from 0.6% to 2.5% of the transaction amount plus a fixed fee of 1 Kč per transaction, depending on the agreement and merchant's monthly volume. In addition, when transferring received revenues to their bank account, merchants pay 19–39 Kč per transfer.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Pays.cz is a Czech online payment gateway that enables merchants to accept card payments, bank transfers, QR code payments, and mobile wallets (Apple Pay, Google Pay) through a single integration. Merchants can sign up in approximately 10 minutes, pay no monthly subscription, and are charged only per-transaction fees individually negotiated by sales. The platform also offers optional services such as payment links, payment prescriptions, e-product delivery, multi-branch payment routing, and virtual and mobile payment terminals.

Product overview

Pays is a Czech payment gateway (platební brána) operated by pays.cz s.r.o., offering a modular platform for online payments. The core product provides payment processing via card, bank transfer, QR code, and mobile payments (Apple Pay, Google Pay, MasterPass) without monthly subscription fees. The platform architecture consists of the core payment gateway supplemented by optional services (payment links, payment slips, reminders, refunds, virtual/mobile terminals, document generation, e-products, SMS notifications) and integrations with e-commerce platforms (Shoptet, WooCommerce, Wix, PrestaShop, Magento, Facebook Shop), ticketing systems (smsticket, Streamio), reservation platforms (Reservanto, Trevlix, Reservo Eats), and acquirers (Global Payments Europe, EVO Payments, Worldline). The platform targets small to large merchants in Czech Republic and Slovakia, with a multi-branch solution for enterprise organizations.

Differentiator

Problem solved

Functional benefit

Products and services

• Platební brána Pays (Pays Payment Gateway)
• Přímý režim (Pays Direct Mode)
• Multipobočkový platební systém (Multi-branch Payment System)
• Mobilní aplikace (Pays Mobile Application)
• WooCommerce Plugin
• Virtuální platební terminál (Virtual Payment Terminal)
• Platební terminál v mobilu (Mobile Payment Terminal)
• Platební odkaz (Payment Link)
• Platební předpis (Payment Prescription / Payment Slip)
• E-produkt (E-products / Digital Delivery)
• QR Platba (QR Payment Generator)

Quantifiable outcome

• Second payment attempt feature achieves 28% success rate on retry attempts
• +4 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles5 records

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration31 records

Feature15 records

Partnerships

19 partnerships are on record, tiered core and minor.

• ShoptetcoreTechnology or IntegrationShoptet is one of the largest and most successful e-commerce platform providers in the Czech Republic. Pays payment gateway is available as a easily activatable addon within Shoptet. E-shops on Shoptet can activate Pays in minutes from their admin panel.
• smsticketcoreTechnology or Integrationsmsticket is a long-established ticketing portal for event ticket sales and presales. It reliably serves thousands of event organizers across cultural, sports, and social events. smsticket integrates Pays for online payment processing at checkout.
• FAPIcoreTechnology or IntegrationFAPI transforms a website into a sales automation platform handling orders, payments, invoicing, and product delivery. It offers automatic Pays activation with one click from within the FAPI platform, making integration instantaneous.
• StreamiocoreTechnology or IntegrationStreamio is a platform for live streaming and video content sales with premium broadcast quality. It uses Pays E-products service for selling access codes and is promoted as a premium partner with priority activation, lower fees, and prioritized support.
• ParkumcoreTechnology or IntegrationParkum provides online parking payment solutions for open and closed parking lots of municipalities, cities, and private operators. Integrated with Pays for accepting online parking payments via card and QR codes.
• TrevlixcoreTechnology or IntegrationTrevlix is an accommodation reservation system for hotels, guesthouses, and apartments. Automatically connected with Pays for immediate deposit payments from guests. Premium partner with competitive per-unit pricing.
• ReservantocoreTechnology or IntegrationReservanto is a service reservation system used by many businesses for online booking with SMS reminders. Integrated with Pays for payment processing during the reservation process.
• Reservo EatscoreTechnology or IntegrationReservo Eats is a food ordering and delivery system serving tens of thousands of customers. Connected with Pays for online payment processing from order placement to delivery completion.
• MozellocoreTechnology or IntegrationMozello is a simple, affordable website and e-shop builder popular with Czech users. Offers direct Pays integration for accepting online card and transfer payments.
• RetailyscoreTechnology or IntegrationRetailys is an e-commerce omnichannel solution enabling merchants to manage unlimited Czech and foreign e-shops with full localization and easy connection to Czech and foreign marketplaces (MALL, eBay, Amazon). Connected with Pays.
• FastCentrikcoreTechnology or IntegrationFastCentrik is a long-established box e-commerce solution for online merchants. As a premium partner, it offers Pays integration for seamless online payment acceptance.
• SimpleshopcoreTechnology or IntegrationSimpleShop specializes in online product sales through smart sales forms on websites. Newly connected to Pays for simple payment processing for e-books, videos, courses, and memberships.
• Global Payments EuropecoreTechnology or IntegrationGlobal Payments Europe is the acquirer behind GP webpay, which is offered under brand names by Česká spořitelna (ČS), Komerční banka (KB SmartPay), Raiffeisenbank (REVO), and UniCredit. Pays Direct mode simplifies integration with this acquiring infrastructure.
• EVO Payments InternationalcoreTechnology or IntegrationEVO Payments International is an acquirer providing card acceptance services. Recommended by Pays as a partner for card payment acquiring.
• WorldlinecoreTechnology or IntegrationWorldline is a payment services provider recommended by Pays for card payment acquiring. Long-term cooperation partner.
• Česká spořitelnacoreTechnology or IntegrationČeská spořitelna (ČS) is a major Czech bank. Its GP webpay-based payment gateway offering is connected through Pays Direct mode. Also collaborated on the unified multi-branch payment system solution.
• Česká spořitelna + Global PaymentscoreStrategic or Co-development PartnerPays, Česká spořitelna, and Global Payments jointly developed a unified online payment system for large organizations with many branches (e.g., Charity Czech Republic, Tříkrálová sbírka). The system routes payments automatically to individual branch accounts with centralized reporting.
• WooCommerce / WordPresscoreTechnology or IntegrationOfficial free WordPress/WooCommerce plugin (Axima Payment Gateway) available at wordpress.org. Merchants self-install and configure using Pays credentials. Full payment integration for WooCommerce checkout.
• AXIMA & Zákazník.czminorOthersAXIMA and Zákazník.cz are the web development companies credited with building and maintaining the pays.cz website.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• SumUp: SumUp offers both in-person terminals (overlapping with Pays' Virtual/Mobile Payment Terminal) and online payment acceptance to SMBs across Europe. It is comparable in serving very small merchants but at much larger scale and with stronger capital backing.
• Stripe: Stripe is a global payment gateway with growing coverage of European local payment methods (including Czech options). It competes for cross-border and growth-stage merchants in CZ/SK and pressures local gateways on developer experience and feature breadth.
• GP webpay: GP webpay is the dominant Czech card-acquiring gateway operated by Global Payments Europe and offered via Česká spořitelna, KB, Raiffeisenbank, and UniCredit. It is both a competitor and a partner (via Pays Direct mode), but it operates at much larger scale and is bundled with banks.
• PayU: PayU is a global online payment gateway with an established Czech business (PayU.cz), offering card and alternative payments to e-commerce merchants. Comparable to Pays on product and target market, but with broader geographic and enterprise reach.
• Worldline: Worldline is a large European payment processor and one of Pays' recommended acquiring partners. It overlaps with Pays on merchant-facing online payments but operates as a tier-one incumbent with enterprise focus.

Emerging players

• Klarna: Klarna is a leading BNPL and checkout provider expanding in CEE. While its core product (BNPL) differs from Pays' pay-now gateway, it competes for the same e-commerce checkout slot and represents a strategic adjacent threat to Pays' merchant relationships.

Regional players

• TrustPay: TrustPay is a Central European payment processor offering account-to-account and card payments across multiple CEE markets. It is comparable to Pays on payment-method breadth but operates across more geographies, making it a regional rather than direct competitor.

Direct peers

• GoPay: GoPay is a Czech and Slovak payment gateway providing online payment processing for merchants and integration with e-commerce platforms — overlapping product set, geography, and SMB target as Pays.
• Comgate: Comgate is a Czech payment gateway serving e-commerce merchants with card and alternative payments, very similar in target market (CZ/SK SMBs), pricing model (transaction-based), and product scope to Pays.
• ThePay: ThePay (ThePay.cz) is a Czech payment gateway offering card, bank transfer and alternative payments to e-commerce and public-sector clients, directly comparable to Pays on geography, customer segment, and merchant features.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pays-platebni-brana

Compliance1 record

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 pays.cz