KNF - who it supervises in fintech
76 licensed entities in the official registers and 11 source-verified catalogue providers answer to Polish Financial Supervision Authority.
The KNF (Komisja Nadzoru Finansowego) is Poland's integrated financial supervisor - banks, insurers, markets, and the national payment institutions (KIP) and account-information providers behind Poland's domestic payments scene, including the operators around BLIK, the gateway cluster and a growing AISP list. It is also a working reminder that supervision has teeth: licence withdrawals appear in this catalogue as Status flags. Official site: KNF.
In the official registers
Register-sourced rows for this authority (EBA PSD2 + ESMA MiCA; as-of dates on each row). Registers have no legal significance - confirm current status with the supervisor.
| Licence class | Entities | Official register rows |
|---|---|---|
| Payment institutions | 59 | browse the rows → |
| E-money institutions | 1 | browse the rows → |
| AISPs (account information) | 16 | browse the rows → |
Verified providers under KNF supervision (11)
Catalogue providers whose official register row names this authority - each verified at source and cross-linked to its row:
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).
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.
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).
PayU (Prosus group; Polish roots) - global PSP with local acquiring licences and a strong CEE / emerging-markets footprint.
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.
Tpay (Krajowy Integrator Płatności, Poland) - online payments; National Payment Institution (KNF, extended 2020, with AIS/PIS). Bank Pekao holds a 38.33% stake.
Unifiedpost Group (Belgium; Euronext Brussels) - e-invoicing and e-reporting across 60+ countries (brands Banqup, Billtobox); SME-focused document, invoicing and payment flows.
Volt (UK) - a global real-time A2A network on open banking (Europe/UK/Brazil/Australia). PISP.
Fiserv (Milwaukee, US; NYSE: FI) - global processor (First Data USD 22bn, 2019) with the Clover POS platform. European acquiring rail: European Merchant Services B.V. (EMS, Netherlands - ex-ABN AMRO JV, 100% Fiserv since Sep 2023; DNB-licensed PI) plus the CCV acquisition (NL). Contrast / US. Register-sourced: Payment institution (PI), The Netherlands Bank, ref F0007; passported to 30 EEA states.
No longer operating (2)
Kept on record on purpose: licences get revoked and providers fail, and checking status before signing is part of due diligence. These are not live options - they are left out of the list and the counts above.
- Conotoxia (Poland) - 2024: KNF revoked its national payment-institution licence
- Fenige (Poland) - 2026-06: KNF revoked the national payment institution licence (end of June 2026: no prudent and stable management of payment services); payment services ceased, client relationships to be terminated by 30 Sep 2026; Fenige announced an appeal
Where licences cluster - and why regulator geography is strategy - is mapped from our own register dataset in who holds Europe's fintech licences. See all verified providers headquartered there: fintech infrastructure in Poland.
FAQ
Who does the KNF regulate in fintech?
Polish payment institutions (krajowa instytucja platnicza), e-money institutions and account-information providers under PSD2, alongside banks and markets. The register rows on this page are the official EBA records for Poland; several verified Polish gateways and the BLIK ecosystem operate under KNF supervision.
Does a KNF licence passport across the EEA?
Yes - a Polish PI or EMI authorisation passports like any other EEA licence. In practice many Polish providers stay domestic-first (the register data shows Polish PIs passporting less than the EEA average), which is a business choice, not a legal limit.