easy raty sp. z o.o.

What easy raty sp. z o.o. does

Easy Raty sp. z o.o. is a Polish private limited liability company (sp. z o.o.) founded in 2016 and headquartered in Sopot, Poland, with an additional registered address in Gdańsk. The company operates an installment payment platform that enables insurance policyholders to spread annual premiums across 1 to 12 monthly installments, collected via Polish direct debit (Polecenie Zapłaty). It serves both individual consumers holding OC, AC, NNW, and home policies, and business customers with corporate policies, distributing exclusively through a nationwide network of licensed insurance agents (Agenci Ubezpieczeniowi).

The company's core technology comprises a web-based customer platform (easyraty.pl) and a dedicated agent portal (Strefa Agenta at system.easyraty.pl) that provides sales tools, payment calculators, and contract management. The platform integrates with BIK (Biuro Informacji Kredytowej), the Polish credit bureau, for creditworthiness verification, and supports multi-policy aggregation that consolidates OC, AC, NNW, home, and business policies into a single installment plan. Automated SMS, email, postal, phone, and pre-litigation reminder infrastructure supports collections, and agents must complete training and sign cooperation agreements before offering the product.

Easy Raty generates revenue primarily through percentage-based transaction fees on total policy value (2.0% for 11-month variants to 2.4% for 3-month variants), plus penalty and reminder fees for failed payments. The company pays insurers the full annual premium upfront and collects monthly installments from customers. Distribution is exclusively channel-based, with regional managers recruiting and training agents across Poland. The company does not disclose revenue, headcount, funding, or ownership details beyond KRS-registered share capital of 200,000 PLN.

Name

easy raty sp. z o.o.

Legal name

EASY RATY SP Z O O

Website

https://easyraty.pl

Company type

Private

Founded year

2016

Operating status

Operating

Short description

Easy Raty sp. z o.o. is a Polish fintech that provides installment payment services for insurance premiums, enabling policyholders to pay annual policies in 1-12 monthly installments via direct debit through a nationwide network of licensed insurance agents.

Ownership category

akta.pro rank

Product category

Insurance Premium Financing

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Variable Recurring Payments (VRP) & Sweeping (FSAMAFAD)

akta.pro secondary industry

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Insurance premium installments
• Installment payment services
• Agent distribution platform
• Direct debit processing
• Consumer credit services

Headquarters

HQ city

Sopot

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Installment Processing Fee: Easy charges a percentage-based fee on the total policy value for processing the installment arrangement. Fees range from 2% for 11-month variants to 2.4% for 3-month variants. The company pays the full annual policy premium to the insurance company upfront, then collects payments from the customer over the selected installment period.
2. Penalty and Reminder Fees: The company generates revenue from penalty fees for failed payments and reminder notifications, including SMS reminders (5 PLN), email reminders (2 PLN), postal reminders (15 PLN), phone reminders (10 PLN), and pre-litigation demand letters (200 PLN).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Easy Raty sp. z o.o. operates an installment payment system that enables insurance policyholders to split annual insurance premiums into 1–12 monthly installments via direct debit. The service is distributed exclusively through a nationwide network of licensed insurance agents in Poland, with verification handled via integration with the Polish credit bureau (BIK) and automated collection, reminder, and debt-recovery workflows.

Product overview

Easy Raty Sp. z o.o. operates as an innovative insurance installment payment platform. The core product is the Easy Raty system, which enables customers to split annual insurance policy payments (covering OC, AC, NNW, Home, and Business policies) into flexible monthly installments ranging from 1 to 12 payments. The platform integrates a direct debit (polecenie zapłaty) payment collection system and offers a supplementary Agent Portal (Strefa Agenta) for insurance agents to manage contracts, calculate payments, and track agreements. The company serves both individual and business customers throughout Poland through a network of partner insurance agents.

Differentiator

Problem solved

Functional benefit

Products and services

• Easy Raty - System Ratalny (Insurance Premium Installments)

Quantifiable outcome

• 2% fee for 11-month installments, 2.4% for 3-month installments - lower cost than many insurance company installment options

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Regional players

• Twisto: Polish BNPL company operating in the same geographic market with a similar installment payment business model. Both serve Polish consumers with pay-over-time solutions, though Twisto focuses on retail e-commerce while Easy Raty targets insurance premiums.
• PayPo: Polish BNPL company with comparable installment payment infrastructure and target market. Both monetize per-transaction fees on consumer financing, though PayPo addresses broader retail e-commerce use cases.

Broad incumbents

• Klarna: Global BNPL incumbent with established installment payment infrastructure. Operates a much broader portfolio but competes for the same conceptual wallet share of pay-over-time consumer financing.
• PZU: Largest Polish insurance carrier offering own in-house installment plans for policyholders. Represents direct competitive threat, as PZU can embed 0%-interest installments within its own policy issuance flow without third-party BNPL providers.
• Warta: Major Polish insurance carrier that offers direct installment payment options to its policyholders. Competes with Easy Raty's value proposition by integrating financing into the carrier's own sales process.
• Affirm: Global BNPL incumbent with established pay-over-time infrastructure. Comparable transaction-fee business model for installment payments, though operating at significantly larger scale and across different verticals.
• Afterpay: BNPL incumbent operating pay-in-installments model with similar revenue mechanics. Both companies charge transaction fees on consumer financing arrangements, though Afterpay focuses on retail verticals.
• mBank: Major Polish retail bank offering installment payment products including for insurance premiums. Represents a regulated financial institution alternative to Easy Raty's BNPL-style financing.
• Compensa: Polish insurance carrier offering installment payment options for its policies. Competes with Easy Raty by integrating payment flexibility directly into carrier offerings rather than via third-party intermediary.
• Credit Agricole Bank Polska: Polish retail bank offering installment products for insurance and other consumer financing. Represents the regulated banking alternative competing for the same policyholder cash-flow needs Easy Raty addresses.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

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 easy raty sp. z o.o.