Poland · Payments & e-money
PayU S.A.
Legal name in the LEI recordPAYU SPÓŁKA AKCYJNA
PayU S.A. is a Polish joint-stock company based in Poznań. The Polish Financial Supervision Authority (KNF) has authorised it as a national payment institution since November 2012, under register number IP1/2012. In November 2025 Rainbow B.V., a Dutch investment company led by Rapyd's chief executive Arik Shtilman, acquired PayU's Central and Eastern European business from Prosus N.V. The firm processes online payments and acquires card transactions for merchants in Poland. It also acts as a credit intermediary for instalment and deferred-payment products.
Licences and registrations
Held by PayU S.A. (LEI 2594008BVBIYO5778A58). 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 RegisterPolish Financial Supervision Authority | Payment institutionPayment Institution | 7792308495 | Poland | Active | 2012-11-29 | — |
|
Search the register ↗ |
- 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
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Firm type
Merchant acquiring and processing
Trades as PayU
- Standing
- The firm's press office said Rainbow B.V. bought PayU's Central and Eastern European business from Prosus N.V. The deal completed in November 2025. Joanna Pieńkowska-Olczak resigned as President of the Management Board in April 2026, and the firm said Arik Shtilman had taken over the role.
- Ownership
- According to the firm's press office, Rainbow B.V., a Dutch investment company led by Arik Shtilman, acquired PayU's Central and Eastern European business from Prosus N.V. in November 2025.
- Head office
- ul. Grunwaldzka 186, 60-166 Poznań, Poland
- Company register
- KRS 0000274399
Online
- Websites & references
- poland.payu.com ↗ did not load when checked
Wikipedia ↗ group article - Official social accounts
- None found
Sources · 14 pages consulted
- gov.pl/web/finanse/kara-administracyjna-nalozona-przez-knf-na-payu-sa
- poland.payu.com/legal/
- poland.payu.com/wp-content/uploads/sites/14/2025/07/Further-Guidance_PL_2025.pdf
- poland.payu.com/wp-content/uploads/sites/14/2025/03/Informacja-o-realizowanej-strategii-podatkowej-za-okr
- poland.payu.com/blog/payu-ze-zgoda-knf-na-swiadczenie-nowych-uslug-wprowadzonych-przez-psd2/
- poland.payu.com/wp-content/uploads/sites/14/2025/10/Lista-organizacji-finansujacych-ver.19.pdf
- zbrojownia.pl/pliki/inne/Lista-organizacji-finansujacych-ver.12.pdf
- poland.payu.com/wp-content/uploads/sites/14/2020/03/Zalacznik_nr_3_do_Regulaminu_swiadczenia_uslug_platni
- cashless.pl/18812-payu-rainbow-rapyd
- cashless.pl/18775-joanna-pienkowska-olczak-payu-rezygnacja
- cashless.pl/16767-payu-poland-rapyd
- rapyd.net/company/news/press-releases/rapyd-completes-acquisition-of-payu-latin-america-and-africa/
- bankier.pl/wiadomosc/PayU-SA-krajowa-instytucja-platnicza-2690497.html
- en.wikipedia.org/wiki/PayU
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The KNF has authorised the firm as a national payment institution (krajowa instytucja płatnicza) under register number IP1/2012 since 27 November 2012. The KNF extended the licence to payment initiation and account information services on 14 October 2019.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Polish Financial Supervision Authority (KNF) Poland | Krajowa instytucja płatnicza (national payment institution) | IP1/2012 | In its own name | Active | poland.payu.com ↗ |
| Polish Financial Supervision Authority (KNF) Poland | Rejestr pośredników kredytowych (consumer credit intermediary) | RPK006833 | In its own name | Status unconfirmed | zbrojownia.pl ↗ |
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
- Payment schemes and card networks
- Mastercard Access not stated poland.payu.com ↗
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
The firm accepts online payments for merchants, including pay-by-link bank transfers, BLIK, cards and digital wallets, and it acquires card transactions. It also offers loans and deferred payments from partner lenders, acting as a credit intermediary.
The firm serves merchants and their customers mainly in Poland under its KNF licence, which it may passport across the EEA.
- Sells to
- Small businesses · Enterprises · Platforms and marketplaces · Consumers
- Serves customers in
- Poland
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Ariel (Arik) Shtilman President of the Management Board
- Executive
- Krzysztof Gawronek Management Board Member
- Executive
- Marcin Onopiuk Management Board Member
- Executive
- Daniel Blumczyński Management Board Member
- Executive
- Deniz Ernst Management Board Member
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Leadership
Joanna Pieńkowska-Olczak resigned as President of the Management Board, and the firm said Arik Shtilman had taken over the role.
cashless.pl ↗ -
Merger / acquisition
Rainbow B.V. completed its acquisition of PayU's Central and Eastern European business, including Poland, from Prosus N.V.
cashless.pl ↗ -
Merger / acquisition
Rapyd completed its purchase of PayU's Latin American and African businesses. PayU's Polish business was not part of that deal.
cashless.pl ↗ -
Enforcement
The KNF fined the firm PLN 150,000 for failing to apply and document customer due diligence measures under Poland's AML law.
gov.pl ↗
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
- 7792308495
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 7020df7bc14d
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Payment Institution
- Activities
- Money remittance
- Payment services
- Card acquiring
- Payment initiation
- Account information
- Licensed in
- Poland · Europe & Central Asia
- First registered
- 2012-11-29
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
- Address on the register
- Grunwaldzka 186, Poznań, 60-166, PL, Poznań, 60-166
- Country
- Poland
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
<FinInstnId>
<LEI>2594008BVBIYO5778A58</LEI>
<Nm>PayU S.A.</Nm>
<PstlAdr>
<PstCd>60-166</PstCd>
<TwnNm>Poznań</TwnNm>
<Ctry>PL</Ctry>
<AdrLine>Grunwaldzka 186, Poznań, 60-166, PL</AdrLine>
</PstlAdr>
</FinInstnId>- The address line repeats the town or postcode. Remove the repeat if your payment system rejects it.
- CBPR+ does not accept the character ń 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.
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 →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ 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.
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) is an independent score of the financial crime risk of banks and payment institutions.
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