--- title: "Besteron a.s. · Payment institution (National Bank of Slovakia) · Slovakia | Elucidate" description: "Besteron a.s. is authorised by National Bank of Slovakia as a payment institution in Slovakia. Licence 47866233. LEI 097900CAKA0000230932. Register status, licences, activities and ownership." url: https://elucidate.co/directory/besteron-a-s-9a38c511a6e3 --- 1. [Directory](https://elucidate.co/directory) 2. [Slovakia](https://elucidate.co/directory/country/sk) 3. Besteron a.s. Slovakia · Payments & e-money # Besteron a.s. Besteron a.s. is a Slovak joint-stock company based in Bratislava. Národná banka Slovenska (NBS) authorises it as a payment institution to acquire payment transactions since July 2018 and to provide money remittance since July 2025. According to the firm, Seyfor, a. s. of the Czech Republic has been its majority shareholder since December 2021. It offers merchants an online payment gateway, POS payment terminals and a payout service called Dynamic Settlement, and it formerly traded as Pay Solutions a.s. Register status Licensed in Slovakia Payment institution · National Bank of Slovakia Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3#licences) BIC **No BIC** LEI **[097900CAKA0000230932](https://search.gleif.org/#/record/097900CAKA0000230932)** [Licence no. **47866233**](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3#licences) ## Licences and registrations Held by Besteron a.s. (LEI 097900CAKA0000230932). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026. | Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) National Bank of Slovakia | Payment institutionPayment Institution | 47866233 | [Slovakia](https://elucidate.co/directory/country/sk) | Active | 2018-07-13 | — | - Money remittance - Payment services - Card acquiring | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - Each licence applies in the country of the regulator that granted it. - Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here. ## Swift network Swift’s ISO 9362 BIC directory Holds no BIC in Swift’s directory. Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3#overview-sources) Customers 6,100 merchants · Group · 29 Sep 2026 · [company statement ↗](https://besteron.com/sk/) Employees Not published Ownership Group subsidiary Seyfor, a. s. Firm type Merchant acquiring and processing Trades as Besteron - **Standing:** The firm traded as Pay Solutions a.s. until 2022 and now operates under the name Besteron a.s. - **Ownership:** Seyfor, a. s. (Czech Republic), formerly Solitea, has been the majority shareholder since December 2021 according to the firm, and the GLEIF record names it as the direct and ultimate accounting parent. - **Direct parent:** [Seyfor, a. s. ↗](https://search.gleif.org/#/record/315700MJO3RQV8483O56), Czechia - **Head office:** Prešovská 38/B, 821 02 Bratislava, Slovakia - **Company register:** Business Register of the Municipal Court Bratislava III, Section Sa, Insert 6004/B (IČO 47866233) - **Incorporated:** 2014 - **Founders:** Miroslav Kráľ · Róbert Kabina - **Former name:** Pay Solutions a.s. ### Online - **Websites & references:** [besteron.com ↗](https://besteron.com/) [account.besteron.com ↗](https://account.besteron.com/) merchant client portal (login and registration) [docs.besteron.com ↗](https://docs.besteron.com/) developer and integration documentation [besteron.com/sk/status ↗](https://besteron.com/sk/status/) payment status page - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/besteron/) · [Facebook ↗](https://www.facebook.com/BesteronSK) · [Instagram ↗](https://www.instagram.com/besteron.svk/) Sources · 7 pages consulted 1. [besteron.com/sk/vseobecne-obchodne-podmienky/](https://besteron.com/sk/vseobecne-obchodne-podmienky/) 2. [besteron.com/media/xn3dvn4u/vop\_platobn%C3%A9-slu%C5%BEby-besteron-772025.pdf](https://besteron.com/media/xn3dvn4u/vop_platobn%C3%A9-slu%C5%BEby-besteron-772025.pdf) 3. [besteron.com/sk/](https://besteron.com/sk/) 4. [besteron.com/sk/o-nas/](https://besteron.com/sk/o-nas/) 5. [besteron.com/sk/kontakt/](https://besteron.com/sk/kontakt/) 6. [seyfor.com/sk-sk/solitea-sa-stava-vacsinovym-vlastnikom-slovenskej-platobnej-brany-besteron](https://www.seyfor.com/sk-sk/solitea-sa-stava-vacsinovym-vlastnikom-slovenskej-platobnej-brany-besteron) 7. [lei.bloomberg.com/leis/view/097900CAKA0000230932](https://lei.bloomberg.com/leis/view/097900CAKA0000230932) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3#overview-sources) - **Operates under:** Its own licences NBS authorises the firm as a payment institution for the acquiring of payment transactions and for money remittance. The firm states that it may provide services cross-border in the EEA, and that NBS publishes the host states. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Národná banka Slovenska (NBS) Slovakia | Payment institution authorisation: acquiring of payment transactions (§ 2(1)(e), Act 492/2009) | 100-000-113-764 (file NBS1-000-020-313) | In its own name | Active | [besteron.com ↗](https://besteron.com/sk/vseobecne-obchodne-podmienky/) | | Národná banka Slovenska (NBS) Slovakia | Payment institution authorisation: money remittance (§ 2(1)(f), Act 492/2009) | 100-000-924-270 (file NBS1-100-106-506) | In its own name | Active | [besteron.com ↗](https://besteron.com/sk/vseobecne-obchodne-podmienky/) | Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks. ## Partners and safeguarding Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3#overview-sources) - **Safeguarding:** Not disclosedThe firm's terms state that client funds held on its bank account bear no interest, but they do not describe a safeguarding method or name the bank. [besteron.com ↗](https://besteron.com/sk/vseobecne-obchodne-podmienky/) - **Acquirer / processor:** SKPAY, a. s. Slovakia [besteron.com ↗](https://besteron.com/sk/vseobecne-obchodne-podmienky/) - **Acquirer / processor:** PayU S.A. Poland [besteron.com ↗](https://besteron.com/sk/vseobecne-obchodne-podmienky/) - **Payment schemes and card networks:** Visa Through a partner [besteron.com ↗](https://besteron.com/sk/vseobecne-obchodne-podmienky/) Mastercard Through a partner [besteron.com ↗](https://besteron.com/sk/vseobecne-obchodne-podmienky/) Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices. ## Products and markets Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3#overview-sources) - Payment gateway - Merchant acquiring - Payouts and mass payments It offers card, Apple Pay, Google Pay, bank-transfer and QR payments through an online gateway and POS terminals, together with a payout service it calls Dynamic Settlement. The firm says it has sales teams in Slovakia, the Czech Republic, Slovenia and Croatia. It also says it serves clients that have expanded to Austria, Poland, Hungary and Romania. - **Sells to:** Small businesses · Enterprises - **Serves customers in 8 countries:** Slovakia · Czechia · Slovenia · Croatia · Austria · Poland · Hungary · Romania ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3#overview-sources) - **Chief executive:** Miroslav Kráľ Founder & CEO Confirmed 29 Sep 2026 · [besteron.com ↗](https://besteron.com/sk/o-nas/) - **Chief financial officer:** Matej Murcko Chief Financial Officer Confirmed 29 Sep 2026 · [besteron.com ↗](https://besteron.com/sk/o-nas/) - **Compliance / MLRO:** Jana Drdošová Head of AML Confirmed 29 Sep 2026 · [besteron.com ↗](https://besteron.com/sk/o-nas/) - **Founder:** Róbert Kabina Co-Founder & Partner Confirmed 29 Sep 2026 · [besteron.com ↗](https://besteron.com/sk/o-nas/) - **Executive:** Ivan Duliak Chief International Officer & Partner Confirmed 29 Sep 2026 · [besteron.com ↗](https://besteron.com/sk/o-nas/) - **Executive:** Michael Filsák Chief Technical Officer Confirmed 29 Sep 2026 · [besteron.com ↗](https://besteron.com/sk/o-nas/) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3#overview-sources) 1. Jul 2025 Licence NBS authorised the firm to provide money remittance, with effect from 7 July 2025, in addition to acquiring payment transactions. [besteron.com ↗](https://besteron.com/media/xn3dvn4u/vop_platobn%C3%A9-slu%C5%BEby-besteron-772025.pdf) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source. ## Identifiers - **Licence no. · EBA-PSD2:** 47866233 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [097900CAKA0000230932 ↗](https://search.gleif.org/#/record/097900CAKA0000230932) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 9a38c511a6e3 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Money remittance - Payment services - Card acquiring - **Licensed in:** [Slovakia](https://elucidate.co/directory/country/sk) · Europe & Central Asia - **First registered:** 2018-07-13 Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records - **Direct parent:** Seyfor, a. s. · Czechia[315700MJO3RQV8483O56 ↗](https://search.gleif.org/#/record/315700MJO3RQV8483O56) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Address on the register:** Prešovská 38/B, Bratislava, 82102 - **Country:** Slovakia ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code. - **Identified by:** Name and postal address, with its LEI - **Postal address:** Hybrid: town, postcode and country in their own elements, the rest in one address line ```xml 097900CAKA0000230932 Besteron a.s. 82102 Bratislava SK Prešovská 38/B ``` - CBPR+ does not accept the characters š á in names and addresses. Transliterate before sending. CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent. The values are as published by the register. Check them against your own records before use. ## Related institutions ### Other payments & e-money institutions in Slovakia - [24-pay s.r.o. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 44002602 (EBA-PSD2) · LEI 097900CAKA0000232775](https://elucidate.co/directory/24-pay-s-r-o-ba380b93e495) - [BLIK SK, a.s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 47126221 (EBA-PSD2) · LEI 097900BJLT0000217411](https://elucidate.co/directory/blik-sk-a-s-f5c495677ce9) - [EVERIFIN s. r. o. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 46963774 (EBA-PSD2) · LEI 2549001OXMK06VU9QP78](https://elucidate.co/directory/everifin-s-r-o-b4c6c63bb097) - [Home Credit Slovakia, a.s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 36234176 (EBA-PSD2) · LEI 097900CAKA0000147706](https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200) - [Payout A.S. BIC PYYUSK22 Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 50487787 (EBA-PSD2) · LEI 097900CAKA0000230253](https://elucidate.co/directory/payout-a-s-pyyusk22) - [SKPAY, a. s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 46552723 (EBA-PSD2) · LEI 097900CAKA0000231708](https://elucidate.co/directory/skpay-a-s-8e4552a86f7a) - [Trust Pay, A.S. BIC TPAYSKBX Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 36865800 (EBA-PSD2) · LEI 8945006ENCWABDU9O641](https://elucidate.co/directory/trust-pay-a-s-tpayskbx) - [Ultima Payments a.s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 46955208 (EBA-PSD2) · LEI 097900BIGH0000159520](https://elucidate.co/directory/ultima-payments-a-s-d361e989496f) [See all →](https://elucidate.co/directory/search?type=payments&cc=SK) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) Sources & method Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI. An institution missing from these registers is not necessarily unregulated. Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026 - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. ## Assess the financial crime risk behind a licence A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.