Fintech infrastructure providers in Poland

Authologic (Warsaw, Poland; Y Combinator 2021) - orchestration layer for identity verification: one API aggregating local KYC/AML methods - government eIDs, bank-based verification (AIS) and video/biometrics - across markets. USD 8.2m Series A led by OpenOcean (Oct 2024). Registered AISP (KNF).

Autopay (Blue Media S.A., Poland) - online payments and account-to-account: BLIK, cards and open banking. National Payment Institution, KNF (since 2013).

Comarch (Krakow, Poland; founded 1993; Warsaw-listed) - software house whose Comarch Financial Services covers corporate banking, IAM and transaction protection for banks and insurers; ~5,000 staff across 38 countries. Unlicensed technology.

Currency One S.A. (Poznan) - operator of Walutomat (P2P currency exchange, since 2009) and InternetowyKantor.pl. Krajowa Instytucja Platnicza (national payment institution) licensed by KNF (since 2015-07-21); online FX, payment accounts, transfers.

Fenige (Poland) - National Payment Institution (KNF, IP42/2017) and Visa/Mastercard member, running its own PCI-DSS processing platform directly to Visa/Mastercard.

Future Processing (Gliwice, Poland; founded 2000) - 1,000+ person software delivery partner with end-to-end services (vision to delivery) for financial-services and other clients. Services axis - unregulated technology partner.

IT Card (Warsaw, Poland) - Poland's largest transaction processor (founded 2008); card issuing (1.6m+ cards), 3DS, the Planet Cash ATM network (~7,400) and Planet Pay POS acquiring. Licensed via Planet Pay - National Payment Institution (KNF), Visa Principal Member + Mastercard acquirer - offering 'fintech-in-a-box' BIN sponsorship. Operates PL/CZ/HR; SIBS (PT) took a majority stake (completed 2026). KRS 0000640662.

Kontomatik (Warsaw + Vilnius) - CEE open-banking pioneer: AIS data aggregation, KYC and income/credit scoring across CEE and Iberia (15+ countries). First AISP in the KNF register (Poland) plus Bank of Lithuania (2018).

Netguru (Poznan, Poland) - product design and software development consultancy with a dedicated fintech practice: digital banking platforms, fintech apps, API integrations and AI tooling. Services axis - unregulated technology partner.

Open Loyalty (Wroclaw, Poland; founded 2017) - API-first 'headless' loyalty engine (points, tiers, rewards, referrals, gamification) for retail, e-commerce and fintech card programmes; open-source core. Independent. Unlicensed software.

Polski Standard Płatności S.A. (Warsaw, Poland) - operator of BLIK, the domestic A2A mobile scheme that bypasses cards; owned by six Polish banks (PKO BP, mBank, ING Śląski, Santander, Alior, Bank Millennium), with the BLIK system approved by the NBP. ~20m+ users, expanding to SK/RO. KRS 0001141221. European scheme.

Polskie ePłatności - PeP (Rzeszow/Warsaw, Poland) - one of Poland's largest merchant acquirers with 125,000+ POS terminals, in-store and online acceptance. National Payment Institution (KNF). NB: acquired by Nets (Oct 2020, EV EUR 405m), now part of the Nexi Group - ownership flag (EU). Register-sourced: Payment institution (PI), Polish Financial Supervision Authority, ref 5862141089; passported to 30 EEA states.

Przelewy24 (PayPro SA, Poland) - the largest Polish online-payments operator, supporting BLIK and cards. National Payment Institution (KNF IP24/2014) with AIS/PIS permission.

Ramp Network (Warsaw, Poland; founded 2017 by Przemek Kowalczyk and Szymon Sypniewicz) - crypto on/off-ramp infrastructure: fiat-to-crypto payment rails embedded in wallets and apps (8M+ end users; USD 53m Series B). Polish-founded Web3 infra with an EEA MiCA licence. Register-sourced: MiCA CASP, Central Bank of Ireland (CBI), ref 89450036UW3ID72T1M84.; passported to 30 EEA states.

Straal Sp. z o.o. (KRS 0000694017, Warsaw); PL gateway/orchestration (200+ acquiring, 30+ currencies); cards, BLIK. KNF IP number to capture (likely SPI/KIP).

Tpay (Krajowy Integrator Płatności, Poland) - online payments; National Payment Institution (KNF, extended 2020, with AIS/PIS). Bank Pekao holds a 38.33% stake.

Verestro (Poland) - card and wallet technology delivered via partners Monavate (cards) and Unblock (IBANs, CH).

Voucherify (Katowice, Poland; founded 2015 at the rspective software house) - API-centric promotions and loyalty engine: coupons, gift cards, referrals, loyalty and in-cart promotions; MACH Alliance member; 350+ brands. Bootstrapped, independent. Unlicensed software.

Conotoxia Sp. z o.o. (owner of Cinkciarz.pl) - Polish online FX / currency exchange. KNF REVOKED its national payment-institution licence (2024) for failing to safeguard client funds; removed from the KNF register and the Voivodeship Administrative Court (WSA) dismissed its appeal; bankruptcy for Cinkciarz.pl. Proof-of-value for the Status/Risk column.

Quicko (Quicko Sp. z o.o., Poland) - open banking / A2A. NB: National Payment Institution licence (KNF IP52/2021) revoked 21 Jan 2026.