--- title: "PayU S.A. · Payment institution (Polish Financial Supervision Authority) · Poland | Elucidate" description: "PayU S.A. is authorised by Polish Financial Supervision Authority as a payment institution in Poland. Licence 7792308495. LEI 2594008BVBIYO5778A58. Register status, licences, activities and ownership." url: https://elucidate.co/directory/payu-s-a-7020df7bc14d --- 1. [Directory](https://elucidate.co/directory) 2. [Poland](https://elucidate.co/directory/country/pl) 3. PayU S.A. Poland · Payments & e-money # PayU S.A. Legal name in the LEI record PAYU 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. Register status Licensed in Poland Payment institution · Polish Financial Supervision Authority Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/payu-s-a-7020df7bc14d#licences) BIC **No BIC** LEI **[2594008BVBIYO5778A58](https://search.gleif.org/#/record/2594008BVBIYO5778A58)** [Licence no. **7792308495**](https://elucidate.co/directory/payu-s-a-7020df7bc14d#licences) ## 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 Register](https://elucidate.co/directory/register/eba-psd2) Polish Financial Supervision Authority | Payment institutionPayment Institution | 7792308495 | [Poland](https://elucidate.co/directory/country/pl) | Active | 2012-11-29 | — | - Money remittance - Payment services - Card acquiring - Payment initiation - Account information | [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/payu-s-a-7020df7bc14d#overview-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 ↗](https://poland.payu.com/) did not load when checked [Wikipedia ↗](https://en.wikipedia.org/wiki/PayU) group article - **Official social accounts:** None found Sources · 14 pages consulted 1. [gov.pl/web/finanse/kara-administracyjna-nalozona-przez-knf-na-payu-sa](https://www.gov.pl/web/finanse/kara-administracyjna-nalozona-przez-knf-na-payu-sa) 2. [poland.payu.com/legal/](https://poland.payu.com/legal/) 3. [poland.payu.com/wp-content/uploads/sites/14/2025/07/Further-Guidance\_PL\_2025.pdf](https://poland.payu.com/wp-content/uploads/sites/14/2025/07/Further-Guidance_PL_2025.pdf) 4. [poland.payu.com/wp-content/uploads/sites/14/2025/03/Informacja-o-realizowanej-strategii-podatkowej-za-okr](https://poland.payu.com/wp-content/uploads/sites/14/2025/03/Informacja-o-realizowanej-strategii-podatkowej-za-okres-01.04.2022-31.03.2023-r..pdf) 5. [poland.payu.com/blog/payu-ze-zgoda-knf-na-swiadczenie-nowych-uslug-wprowadzonych-przez-psd2/](https://poland.payu.com/blog/payu-ze-zgoda-knf-na-swiadczenie-nowych-uslug-wprowadzonych-przez-psd2/) 6. [poland.payu.com/wp-content/uploads/sites/14/2025/10/Lista-organizacji-finansujacych-ver.19.pdf](https://poland.payu.com/wp-content/uploads/sites/14/2025/10/Lista-organizacji-finansujacych-ver.19.pdf) 7. [zbrojownia.pl/pliki/inne/Lista-organizacji-finansujacych-ver.12.pdf](https://www.zbrojownia.pl/pliki/inne/Lista-organizacji-finansujacych-ver.12.pdf) 8. [poland.payu.com/wp-content/uploads/sites/14/2020/03/Zalacznik\_nr\_3\_do\_Regulaminu\_swiadczenia\_uslug\_platni](https://poland.payu.com/wp-content/uploads/sites/14/2020/03/Zalacznik_nr_3_do_Regulaminu_swiadczenia_uslug_platniczych_za_posrednictwem_integratora.pdf) 9. [cashless.pl/18812-payu-rainbow-rapyd](https://www.cashless.pl/18812-payu-rainbow-rapyd) 10. [cashless.pl/18775-joanna-pienkowska-olczak-payu-rezygnacja](https://www.cashless.pl/18775-joanna-pienkowska-olczak-payu-rezygnacja) 11. [cashless.pl/16767-payu-poland-rapyd](https://www.cashless.pl/16767-payu-poland-rapyd) 12. [rapyd.net/company/news/press-releases/rapyd-completes-acquisition-of-payu-latin-america-and-africa/](https://www.rapyd.net/company/news/press-releases/rapyd-completes-acquisition-of-payu-latin-america-and-africa/) 13. [bankier.pl/wiadomosc/PayU-SA-krajowa-instytucja-platnicza-2690497.html](https://www.bankier.pl/wiadomosc/PayU-SA-krajowa-instytucja-platnicza-2690497.html) 14. [en.wikipedia.org/wiki/PayU](https://en.wikipedia.org/wiki/PayU) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/payu-s-a-7020df7bc14d#overview-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 ↗](https://poland.payu.com/wp-content/uploads/sites/14/2025/07/Further-Guidance_PL_2025.pdf) | | Polish Financial Supervision Authority (KNF) Poland | Rejestr pośredników kredytowych (consumer credit intermediary) | RPK006833 | In its own name | Status unconfirmed | [zbrojownia.pl ↗](https://www.zbrojownia.pl/pliki/inne/Lista-organizacji-finansujacych-ver.12.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/payu-s-a-7020df7bc14d#overview-sources) - **Payment schemes and card networks:** Mastercard Access not stated [poland.payu.com ↗](https://poland.payu.com/wp-content/uploads/sites/14/2020/03/Zalacznik_nr_3_do_Regulaminu_swiadczenia_uslug_platniczych_za_posrednictwem_integratora.pdf) 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/payu-s-a-7020df7bc14d#overview-sources) - Payment gateway - Merchant acquiring - Payment initiation (open banking) - Account information (open banking) - Buy now, pay later 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](https://elucidate.co/directory/payu-s-a-7020df7bc14d#overview-sources) - **Chief executive:** Ariel (Arik) Shtilman President of the Management Board Confirmed 29 Sep 2026 · [cashless.pl ↗](https://www.cashless.pl/18812-payu-rainbow-rapyd) - **Executive:** Krzysztof Gawronek Management Board Member Confirmed 29 Sep 2026 · [poland.payu.com ↗](https://poland.payu.com/legal/) - **Executive:** Marcin Onopiuk Management Board Member Confirmed 29 Sep 2026 · [poland.payu.com ↗](https://poland.payu.com/legal/) - **Executive:** Daniel Blumczyński Management Board Member Confirmed 29 Sep 2026 · [poland.payu.com ↗](https://poland.payu.com/legal/) - **Executive:** Deniz Ernst Management Board Member Confirmed 29 Sep 2026 · [poland.payu.com ↗](https://poland.payu.com/legal/) ## Recent events 1 enforcement or investigation item Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/payu-s-a-7020df7bc14d#overview-sources) 1. Apr 2026 Leadership Joanna Pieńkowska-Olczak resigned as President of the Management Board, and the firm said Arik Shtilman had taken over the role. [cashless.pl ↗](https://www.cashless.pl/18775-joanna-pienkowska-olczak-payu-rezygnacja) 2. Nov 2025 Merger / acquisition Rainbow B.V. completed its acquisition of PayU's Central and Eastern European business, including Poland, from Prosus N.V. [cashless.pl ↗](https://www.cashless.pl/18812-payu-rainbow-rapyd) 3. Mar 2025 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 ↗](https://www.cashless.pl/16767-payu-poland-rapyd) 4. Sep 2023 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 ↗](https://www.gov.pl/web/finanse/kara-administracyjna-nalozona-przez-knf-na-payu-sa) 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 - **LEI:** [2594008BVBIYO5778A58 ↗](https://search.gleif.org/#/record/2594008BVBIYO5778A58) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 7020df7bc14d ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Money remittance - Payment services - Card acquiring - Payment initiation - Account information - **Licensed in:** [Poland](https://elucidate.co/directory/country/pl) · 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 ```xml 2594008BVBIYO5778A58 PayU S.A. 60-166 Poznań PL Grunwaldzka 186, Poznań, 60-166, PL ``` - 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. ## Related institutions ### Other payments & e-money institutions in Poland - [Ace Europe Sp. Z O.O. BIC MNAAPLP2 Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 5252729648 (EBA-PSD2) · LEI 259400JC0ITDQTZJ3Y65](https://elucidate.co/directory/ace-europe-sp-z-o-o-mnaaplp2) - [Allegro Finance spółka z ograniczoną odpowiedzialnością No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 7792511167 (EBA-PSD2) · LEI 25940017781GXRTEFA06](https://elucidate.co/directory/allegro-finance-spo-ka-z-ograniczona-odpowiedzialnoscia-106ef7bd2d9e) - [AUTOPAY SPÓŁKA AKCYJNA (d. Blue Media S.A.) No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 5851351185 (EBA-PSD2) · LEI 259400WGMYSV5C3N7442](https://elucidate.co/directory/autopay-spo-ka-akcyjna-d-blue-media-s-a-009076edb54f) - [BillBird S.A. No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 6762165116 (EBA-PSD2) · LEI 259400TFYCAU8NSVYG91](https://elucidate.co/directory/billbird-s-a-fcb7efc56a69) - [CARDINA spółka z ograniczoną odpowiedzialnością No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 5213738821 (EBA-PSD2) · LEI 2594001VIZLE0F4O2874](https://elucidate.co/directory/cardina-spo-ka-z-ograniczona-odpowiedzialnoscia-afdb9152f2cb) - [CashBill S.A. No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 6292410801 (EBA-PSD2) · LEI 2594006TKS5QK8W75N83](https://elucidate.co/directory/cashbill-s-a-be36d48f0266) - [Centrum Elektronicznych Usług Płatniczych eService Spółka z ograniczoną odpowiedzialnością No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 1181477610 (EBA-PSD2) · LEI 259400BGGYPG95RT8K26](https://elucidate.co/directory/centrum-elektronicznych-us-ug-p-atniczych-eservice-spo-ka-z-ograniczona-odpowied-7654b1e2267d) - [Currency One S.A. BIC CNENPLP1 Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 7831684097 (EBA-PSD2) · LEI 2594008XSRT2M3U9SE13](https://elucidate.co/directory/currency-one-s-a-cnenplp1) [See all →](https://elucidate.co/directory/search?type=payments&cc=PL) [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 - **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.