---
title: "Payout A.S. SWIFT/BIC code PYYUSK22XXX · Slovakia | Elucidate"
description: "Licensed in Slovakia: Payment institution (National Bank of Slovakia). SWIFT/BIC code PYYUSK22XXX for Payout A.S., Slovakia. Head-office BIC."
url: https://elucidate.co/directory/payout-a-s-pyyusk22
---
1. [Directory](https://elucidate.co/directory)
2. [Slovakia](https://elucidate.co/directory/country/sk)
3. Payout A.S.
Slovakia · Payments & e-money
# Payout A.S.
Payout a.s. is a Slovak joint-stock company based in Žilina. The National Bank of Slovakia (NBS) authorises it as a payment institution under authorisation 100-000-221-585, which took effect on 25 March 2020. According to its 2025 financial statements, no other legal entity holds more than 10% of its shares. Under the Payout and Payout One brands it sells an online payment gateway, card acceptance, business payment accounts, payouts, money remittance, payment initiation and account information services to businesses.
Register status
Licensed in Slovakia
Payment institution · National Bank of Slovakia
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/payout-a-s-pyyusk22#licences)
BIC **PYYUSK22XXX** LEI **[097900CAKA0000230253](https://search.gleif.org/#/record/097900CAKA0000230253)** [Licence no. **50487787**](https://elucidate.co/directory/payout-a-s-pyyusk22#licences) Reverse billing Head-office BIC only [Claim this profile](https://elucidate.co/directory/payout-a-s-pyyusk22#claim)
## Licences and registrations
Held by Payout a.s. (LEI 097900CAKA0000230253). 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 Linked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 50487787 | [Slovakia](https://elucidate.co/directory/country/sk) | Active | 2019-02-22 | — | - Money remittance - Payment services - Card acquiring - Payment initiation - Account information | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) |
- Licences belong to the legal entity, not to a BIC.
- 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.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** PYYUSK22XXX head office
- **Connection to Swift:** Reverse billing
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · VOP · TIPS](https://elucidate.co/directory/payout-a-s-pyyusk22#schemes)
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2026-07-04
- **Last updated:** 2026-07-04
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/payout-a-s-pyyusk22#overview-sources)
Customers
1,900,000
users · This entity · 29 Sep 2026 · [company statement ↗](https://payout.one/en/)
Employees
22
headcount · This entity · 31 Dec 2025 · [annual report ↗](https://www.registeruz.sk/cruz-public/domain/financialreport/attachment/12877257)
Ownership
Privately held
Firm type
Merchant acquiring and processing
Trades as Payout One
- **Ownership:** According to its 2025 financial statements, no other legal entity holds more than 10% of the firm's share capital.
- **Head office:** Juraja Závodského 97/106, 010 04 Žilina, Slovakia
- **Company register:** Commercial Register of the District Court Žilina, section Sa, insert 11032/L (IČO 50487787)
- **Incorporated:** 30 Sep 2016
- **Founders:** Jana Hmírová · Peter Stražovec
- **Former name:** Payout, s.r.o.
### Online
- **Websites & references:** [payout.one ↗](https://payout.one/) [status.payout.one ↗](https://status.payout.one/) system status page [id.payout.one ↗](https://id.payout.one/users/log_in) Payout Banking client login
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/payout-one) · [Facebook ↗](https://www.facebook.com/payout.one) · [Instagram ↗](https://www.instagram.com/payout.one)
Sources · 11 pages consulted
1. [payout.one/en/](https://payout.one/en/)
2. [payout.one/en/contact/](https://payout.one/en/contact/)
3. [payout.one/en/about](https://payout.one/en/about)
4. [payout.one/en/documents](https://payout.one/en/documents)
5. [payout.one/en/faq](https://payout.one/en/faq)
6. [payout.one/wp-content/uploads/2025/01/06\_VSEOBECNE-OBCHODNE-PODMIENKY-O-POSKYTOVANI-PLATOBNYCH-SLUZI](https://payout.one/wp-content/uploads/2025/01/06_VSEOBECNE-OBCHODNE-PODMIENKY-O-POSKYTOVANI-PLATOBNYCH-SLUZIEB-UCINNE-OD-01.04.2025.pdf)
7. [registeruz.sk/cruz-public/domain/accountingentity/show/1659157](https://www.registeruz.sk/cruz-public/domain/accountingentity/show/1659157)
8. [registeruz.sk/cruz-public/domain/financialreport/attachment/12877258](https://www.registeruz.sk/cruz-public/domain/financialreport/attachment/12877258)
9. [registeruz.sk/cruz-public/domain/financialreport/attachment/12877257](https://www.registeruz.sk/cruz-public/domain/financialreport/attachment/12877257)
10. [sk.linkedin.com/company/payout-one](https://sk.linkedin.com/company/payout-one)
11. [zilinskyvecernik.sk/clanok/zo-ziliny-az-na-europsky-trh-payout-ukazuje-ze-inovacie-nevznikaju-len-v-metropola](https://www.zilinskyvecernik.sk/clanok/zo-ziliny-az-na-europsky-trh-payout-ukazuje-ze-inovacie-nevznikaju-len-v-metropolach/14821/)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/payout-a-s-pyyusk22#overview-sources)
- **Operates under:** Its own licences
The National Bank of Slovakia authorises the firm as a payment institution under the Slovak Payment Services Act. The authorisation covers payment transactions, issuing payment instruments and acquiring, money remittance, payment initiation and account information services.
| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| National Bank of Slovakia Slovakia | Authorisation to provide payment services (payment institution) | 100-000-221-585 | In its own name | Active | [payout.one ↗](https://payout.one/wp-content/uploads/2025/01/06_VSEOBECNE-OBCHODNE-PODMIENKY-O-POSKYTOVANI-PLATOBNYCH-SLUZIEB-UCINNE-OD-01.04.2025.pdf) |
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/payout-a-s-pyyusk22#overview-sources)
- **Safeguarding:** Segregated safeguarding accountsThe firm states that it holds client funds in segregated accounts, as regulation requires, and that balances on its payment accounts are neither deposits nor electronic money. [payout.one ↗](https://payout.one/en/)
- **Payment schemes and card networks:** Visa Through a partner [payout.one ↗](https://payout.one/en/) Mastercard Through a partner [payout.one ↗](https://payout.one/en/) SEPA Instant Credit Transfer Access not stated [payout.one ↗](https://payout.one/en/)
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/payout-a-s-pyyusk22#overview-sources)
- Payment gateway
- Merchant acquiring
- Multi currency accounts
- Payouts and mass payments
- Domestic payments
- International money transfer
- Payment initiation (open banking)
- Account information (open banking)
It sells a payment gateway for cards, wallets and account-to-account payments, business payment accounts with IBANs, SEPA Instant payouts, identity verification and fraud screening to e-commerce, iGaming, crowdfunding, crypto, e-mobility and insurance businesses.
It serves business clients from Slovakia under its NBS authorisation, and its website shows its operating area as Slovakia, Czechia, Poland, Hungary, Romania, Croatia, Lithuania and Latvia.
- **Revenue:** EUR 1.14mThis entity · 31 Dec 2025 · [annual report ↗](https://www.registeruz.sk/cruz-public/domain/financialreport/attachment/12877258)
- **Sells to:** Small businesses · Enterprises · Platforms and marketplaces
- **Serves customers in 8 countries:** Slovakia · Czechia · Poland · Hungary · Romania · Croatia · Lithuania · Latvia
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/payout-a-s-pyyusk22#overview-sources)
- **Chief executive:**  Jana Hmírová Chief Executive Officer Confirmed 29 Sep 2026 · [payout.one ↗](https://payout.one/en/about)
- **Chief financial officer:**  Anežka Džurbalová Chief Financial Officer Confirmed 29 Sep 2026 · [payout.one ↗](https://payout.one/en/about)
- **Founder:**  Peter Stražovec Co-founder Confirmed 29 Sep 2026 · [payout.one ↗](https://payout.one/en/about)
- **Executive:**  Erik Mocný Chief Technology Officer Confirmed 29 Sep 2026 · [payout.one ↗](https://payout.one/en/about)
- **Executive:**  Martina Hanusová Chief Revenue Officer Confirmed 29 Sep 2026 · [payout.one ↗](https://payout.one/en/about)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/payout-a-s-pyyusk22#overview-sources)
1. Sep 2025
Other
INNOTECH Forum 2025 gave the firm its Most Innovative Financial Company award, according to the firm.
[payout.one ↗](https://payout.one/en/)
2. 2025
Other
Deloitte listed the firm in its 2025 Technology Fast 50 Central Europe ranking, according to the firm.
[payout.one ↗](https://payout.one/en/)
3. Nov 2023
Leadership
The firm appointed a new executive team, with Jana Hmírová as CEO and Anežka Džurbalová as CFO.
[sk.linkedin.com ↗](https://sk.linkedin.com/company/payout-one)
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
Head-office record
- **BIC:** PYYUSK22XXX
- **How the BIC breaks down:** 1. PYYU Bank 2. SK Country · Slovakia 3. 22 Location · reverse billing 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 097900CAKA0000230253
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/097900CAKA0000230253)
- **Licence no. · EBA-PSD2:** 50487787
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. Register entry: Matched by Elucidate to GLEIF on name, country and address.
- **Register-entry ID:** c85df53f5cc7
## Profile
- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/payout-a-s-pyyusk22#licences)
- **Activities:** - Money remittance - Payment services - Card acquiring - Payment initiation - Account information
- **Licensed in:** [Slovakia](https://elucidate.co/directory/country/sk)
- **Country · region:** Slovakia · Europe & Central Asia
- **Banking supervision:** Not on the ECB's list of supervised entities as of 2026-07-01
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
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
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
## Addresses
- **Registered address:** JURAJA ZAVODSKEHO 97/106 ZILINA 01004 SLOVAKIA
- **Operational address:** JURAJA ZAVODSKEHO 97/106 ZILINA 01004 ZILINA SLOVAKIA
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
PYYUSK22XXX
097900CAKA0000230253
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
PYYUSK22XXX
097900CAKA0000230253
PAYOUT A.S.
ZILINA
SK
JURAJA ZAVODSKEHO 97/106 ZILINA 01004
```
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
## Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
| --- | --- | --- | --- |
| SEPA Credit TransferISO 20022 messages | 2026-08-31 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2026-08-31 | Head office | — |
| Verification of Payee | 2026-09-10 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
## 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)
- [Besteron a.s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 47866233 (EBA-PSD2) · LEI 097900CAKA0000230932](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3)
- [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)
- [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)
Claim this profile
## Work at Payout A.S.?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
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)
Credits for this page
- **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of TIPS participants and reachable parties.
- **EBA PSD2 Register**—European Banking Authority (EBA) · [register ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026
- **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.
- **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: [payout.one](https://payout.one/) (official website) · [original](https://payout.one/__l5e/assets-v1/5588db61-9507-459e-b5ab-73cde4ab4036/payout-2800.png); Jana Hmírová: [payout.one](https://payout.one/en/about/) (official website) · [original](https://payout.one/assets/jana-hmirova-story-full-Dxe08AhF.jpg); Anežka Džurbalová: [payout.one](https://payout.one/en/about/) (official website) · [original](https://payout.one/assets/anezka-dzurbalova-new-CJfLojkW.jpg); Peter Stražovec: [payout.one](https://payout.one/en/about/) (official website) · [original](https://payout.one/assets/cyril-oresansky-new-BD-fDLK5.jpg); Erik Mocný: [payout.one](https://payout.one/en/about/) (official website) · [original](https://payout.one/assets/erik-mocny-new-BYxOixh4.jpg); Martina Hanusová: [payout.one](https://payout.one/en/about/) (official website) · [original](https://payout.one/assets/martina-hanusova-new-BaDeVCGE.png).
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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.