Best Payments Companies in Poland
The 60 best Payments companies in Poland in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: BPN.
Poland's Payments sector isn't generating unicorns yet, but the 60 companies tracked here represent a concentrated, fundable ecosystem worth understanding before you write it off. Total disclosed funding sits at $70M across the cohort, with BPN alone commanding $50M of that, a figure that dwarfs every other player in the directory. Nethone Security follows at $8M and INXY at $7M. That top-heavy distribution tells you something: capital here consolidates fast, and the mid-tier is thin. Globally, the payments market was valued at roughly $511.9B in 2022 and is forecast to reach $847.6B by 2027 at an 8.9% CAGR, per ResearchAndMarkets.com, driven by open banking, contactless adoption, and blockchain infrastructure. Poland's slice of that is still forming.
What I'd watch is the regulatory angle. Gaps in oversight create both friction and opportunity for compliance-forward builders like Nethone Security, whose fraud-detection positioning makes more sense the moment you map it against uneven rulebooks. Faster payments infrastructure is the hottest structural theme right now globally, as Raenest's India expansion illustrates, and Polish fintechs building in that lane have real tailwinds. Straal and ZenCard both closed at $2M, modest but intentional. Investors like Flashpoint and Innova Capital are active here. The funding is real. So is the upside gap.
Our analysis of 150 Payments companies
$44.9b in tracked funding; 96% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2021.
Ranked: Best Payments companies in Poland
| # | Company | Disclosed funding | Last round | Stage | Founder | Founded | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | BPN Cross-border payment platform | $50M | 8 mo ago | Seed | Dixuan Fu Founder | 2025 | Node.jsTailwind CSSReact+10 | 2 launchs · 1 expansion |
| 2 | Nethone Security Provider of fraud prevention and detection solutions for online platforms | $8M | 59 mo ago | Acquired | Aleksander Kijek CPO | 2016 | — | — |
| 3 | INXY Payment acceptance management platform | $7M | 3 mo ago | Seed | Serge K Co-Founder | 2022 | WebflowApple iCloud MailGoogle Workspace+13 | — |
| 4 | ZenCard Card linked real time loyalty redemption platform | $2M | 131 mo ago | Deadpooled | — | 2013 | — | — |
| 5 | Straal API-linked payment gateway for online and offline payments | $2M | 44 mo ago | Seed | — | 2015 | WordPressMySQLZoho+23 | — |
| 6 | bNesis Open banking aggregation API | $976K | 102 mo ago | Deadpooled | Dmitriy Norenko Co-Founder & CEO | 2016 | — | — |
| 7 | Asseco Provider of an omnichannel banking solutions | — | 17 mo ago | Public | — | 1987 | WordPressMySQLPHP+28 | 2 awards |
| 8 | Payvein Biometric payment and identification solutions based on mapping the vascular system | — | 29 mo ago | Seed | Michal Frankiewicz Co-Founder | 2022 | — | — |
Top 12 Payments companies in Poland
#1
Seed · Warsaw, Masovian Voivodeship · founded 2025$50Mraised▾
Cross-border payment platform. It is designed to connect stablecoins from G7 economies to emerging markets for fast, low-cost, and compliant global payments. It is building a programmable, multi-stablecoin global payment infrastructure that bridges traditional finance and decentralized finance, enabling direct, onchain transactions without the need for pre-funded accounts.
- Oct 2025Seed$50M
#2
Seed · Warsaw, Masovian Voivodeship · founded 2022 · 14 employees$7Mraised▾
Payment acceptance management platform. It offers a platform that enables businesses to accept payments, multi-currency processing, manage recurring payments, mass payouts automation, and fund exchange.
- Apr 2026Seed$4M
- Feb 2025Seed$3M
#3
Acquired · Poland · founded 2016 · 105 employees$7.7Mraised▾
Provider of fraud prevention and detection solutions for online platforms. The company offers tools for user and risk analysis, device fingerprinting, and behavioral biometrics. It provides protection against account takeover, payment fraud, and promo abuse. The company delivers industry-tailored solutions for e-commerce, airlines, and financial services.
- Jul 2021Series A$6.7M
- Apr 2019Seed$1M
#4
Seed · Warsaw, Masovian Voivodeship · founded 2015 · 35 employees$2Mraised▾
Straal offers an API-linked payment gateway for merchants to accept payments through debit/credit cards, SEPA payments, and various other methods. Their gateway provides features such as subscription management; Smart Retry logic which selects the right moment to charge the subscriber’s card; Card Updater which makes sure the card expiry date saved in the system is current and is automatically updated; fraud prevention and Smart Routing. The payment gateway can also be employed at offline POS machines and virtual terminals for MOTO Payments. Offers Straal Kompas which is a dashboard panel offering analysis on payments.
- Oct 2022Seed$2M
#5
Deadpooled · Warsaw, Masovian Voivodeship · founded 2013 · 11 employees$2.3Mraised▾
Card linked real time loyalty redemption platform. It provides a loyalty program platform that delivers discounts and rewards for purchases made at participating stores and service points And also offers automatic discount calculation and information about available discounts.
- Jul 2015Series A$2.3M
- Sep 2014Seed—
#6
Deadpooled · Warsaw, Masovian Voivodeship · founded 2016$975.7Kraised▾
Open banking aggregation API. It provides data aggregation APIs for banks that allow aggregation and tracking of data from external and non-traditional sources. It automates push/SMS/email marketing by tracking and making relevant sales offers of the products and services to the customers. The solution sends relevant and personalized sales offers to potential customers. It offers non-traditional data from eCommerce, payment systems, eWallets, accountancy and CRM services, social media, job searching, and shipping services.
- Dec 2017Seed$469.9K
- Mar 2017Seed$375.8K
- Dec 2016Seed$130K
#7
Public · Rzeszow, Subcarpathian Voivodeship · founded 1987 · 32849 employees—raised▾
Provider of an omnichannel banking solutions. It provide Asseco Customer Banking Platform, an omnichannel platform for Internet and mobile banking. The products and services also cover IT solutions for insurance institutions, telecom operators, energy sector, healthcare services, public administration, agriculture, uniformed services and international organizations.
#8
Seed · Warsaw, Masovian Voivodeship · founded 2022—raised▾
Biometric payment and identification solutions based on mapping the vascular system. Offers simple scanner that maps the structure of finger veins with accuracy in lesser time. Provides information about available resources, transfers between users, transaction history, uberization of the card, automatic identity verification, multi-channel top-ups, biometric payment terminal that accepts all types of payments in sales networks, and more.
- Jan 2024Seed—
#9
Seed · Bialystok, Podlaskie Voivodeship · founded 2017—raised▾
Provider of liquidity management, credit risk, and supply chain financing services
- Jun 2023Seed—
#10
Funding Raised · Wrocław, Lower Silesian Voivodeship · founded 2019—raised▾
Hardware-based & iris-enabled POS terminals for merchants. It enables consumers to make payments by scanning iris through POS devices. Consumers can create an account by linking payment cards & accounts and providing iris patterns.
- Jan 2021Grant (prize money)—
#11
Seed · Warsaw, Masovian Voivodeship · founded 2009 · 54 employees—raised▾
Open banking API aimed for banks with competitive payment products
- Sep 2020Seed—
#12
Seed · Warsaw, Masovian Voivodeship · founded 2020 · 119 employees—raised▾
Provider of embedded finance and banking-as-a-service solutions for various businesses. The company delivers digital banking products, card issuing, and card tokenization. It offers money transfer services, white-label mobile applications, and business control solutions. The company provides services to banks, fintechs, merchants, and other businesses.
- Jul 2020Seed—
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Payments coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Digital Payments is moving in Poland
A read on the academic research around Digital Payments — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 113 Poland-affiliated papers.
- Nicolaus Copernicus University14
- University of Warsaw11
- University Of Information Technology9
- Ministry of Health7
- Warsaw University of Life Sciences7
- Database transaction4
- Computer security3
- Mobile payment3
- Cryptocurrency2
- Blockchain2
- Mobile payment4→6
- Mobile payment6→10
- Payment service provider2→4
Where digital payments is researched across Poland
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.