Corporate clients
The seller reports 3 to 4 active corporate clients. Contracts, revenue concentration, termination rights, complaints and client consent requirements remain to be reviewed.
Poland · Small Payment Institution
Operational Polish MIP Payment Company for Sale
The owner reports having checked an active Polish Small Payment Institution register entry. The seller reports live payment operations and BLIK connectivity. The entity is available through a purchase of all issued shares. Price is on request, and every claim remains subject to buyer and counterparty diligence as of July 2026.
The offer in short
A live Polish payments company, with evidence still to review
The seller represents the company as active and operating, and the owner reports having checked the entity as active in the register maintained by the Polish Financial Supervision Authority (KNF) in July 2026. It is described as a mala instytucja platnicza, or Small Payment Institution (MIP). A Polish MIP conducts regulated activity on the basis of a register entry. It does not hold a detachable KNF licence or a general approval for every payment activity.
The seller reports 3 to 4 active corporate clients, payment activity close to the MIP volume threshold, Alternative Payment Method flows in Polish zloty with settlement in euros, several active corporate bank accounts, a registered office in Warsaw and BLIK connectivity. Those are seller-provided commercial statements. They require contracts, transaction reports, account evidence and counterparty confirmations before a buyer relies on them.
The transaction is structured as an acquisition of 100% of the shares in the existing legal entity. The buyer is not purchasing a permission separately from the company. Banking, BLIK, client and provider relationships remain with their contractual parties and may trigger notification, consent, renewed due diligence or termination rights when ownership changes.
- KNF register
- Owner-reported active MIP status, to be rechecked by the buyer
- Poland only
- MIP payment activity has no EEA passporting route
- EUR 1.5m
- Maximum preceding-12-month average transaction value per month
- 100% shares
- Proposed acquisition of the existing Polish legal entity
Regulatory status
What an active Polish MIP registration means
Under the Polish Payment Services Act, MIP activity is regulated activity entered in the KNF register of payment service providers and electronic money issuers. The public KNF guidance states that starting as an MIP requires registration rather than a KNF authorisation. The exact payment services available to a particular company are the services recorded for that entity, so status alone is not proof of acquiring, issuing or any other specific service.
The statutory MIP perimeter can cover payment-account cash services, execution of payment transactions, permitted payment credit, issuing payment instruments, acquiring and money remittance. Payment initiation and account information services are excluded from the MIP route, and MIP registration does not authorise electronic money issuance. The buyer must compare the intended product and flow of funds with the entity's current KNF entry after NDA.
MIP activity may be conducted only in Poland. It does not provide an EEA passport. A Polish company can have foreign shareholders, counterparties or settlement arrangements, but those facts do not expand the territorial permission. Any wider European model needs a separate country-by-country and authorisation analysis.
The volume rule
EUR 1.5 million is a rolling average, not a simple monthly capacity
The MIP threshold is the average total value of payment transactions over the preceding 12 months, including transactions executed through agents. That average may not exceed the equivalent of EUR 1.5 million per month. The Act also requires reporting when relevant monthly and rolling measures exceed the threshold.
The seller's statement that the company is processing at maximum capacity therefore needs a reconciliation to the statutory calculation. Buyer diligence should review the last 12 monthly reports, agent volumes, KNF notifications and the exchange rates applied. Processing value is not the same as revenue, safeguarded funds, gross profit or settlement value.
If the statutory average is exceeded, the company must reduce payment activity to the MIP limit or submit a separate application for KNF authorisation as a krajowa instytucja platnicza, or national payment institution (KIP), within the statutory process. This is not an automatic upgrade and no authorisation outcome should be assumed.
Seller-reported operations
The operating snapshot to test in the data room
Payment activity
The seller reports payment volumes close to the MIP threshold. KNF reports, processor statements and bank records must reconcile the statutory rolling average.
APM and currencies
The seller reports APM processing in PLN and settlement in EUR. The buyer must identify each processor, settlement account, FX provider and regulated role in the funds flow.
BLIK relationship
The seller reports BLIK connectivity. The exact participant role, contract, settlement model and treatment of a control change have not been independently confirmed.
Banking
The seller reports several active corporate bank accounts. Their purpose, balances, safeguarding treatment and continuity after new-owner review require bank evidence.
Warsaw presence
The seller reports a registered office in Warsaw. Lease, staff, operating premises and management substance should be separated from the registered-address fact.
Evidence status
What is confirmed and what remains seller-stated
| Item | Current position | Buyer check |
|---|---|---|
| Item MIP status | Current position Owner reports an active KNF register entry | Buyer check Match the legal entity, entry number, services, agents and current status |
| Item Registered services | Current position Exact service list not disclosed on this anonymous page | Buyer check Compare the e-RUP entry with the product and funds-flow map |
| Item BLIK | Current position Connectivity reported by the seller; exact role unverified | Buyer check Review the executed participation agreement and obtain PSP confirmation |
| Item Bank accounts | Current position Several active accounts reported by the seller | Buyer check Identify operating, settlement and safeguarding accounts and control clauses |
| Item Clients and volume | Current position 3 to 4 clients and near-threshold volume reported by the seller | Buyer check Reconcile contracts, invoices, processor reports, bank statements and KNF filings |
| Item Regulatory history | Current position No sanctions, penalties or warnings reported by the seller | Buyer check Review KNF public records, correspondence, complaints and seller warranties |
BLIK and banking
Scheme and bank continuity is a closing workstream
The public BLIK rules describe participation roles such as issuer, acquirer and indirect participant. This listing records only the seller's statement that the company has BLIK connectivity. It does not assert an exact role or promise that the relationship will continue after the shares change hands.
Buyer diligence should obtain the executed participation agreement and amendments, identify the contractual party and settlement route, check testing and collateral obligations, and locate every ownership, control, management and termination clause. Written confirmation from Polski Standard Platnosci or the relevant direct participant should be treated as a closing item where the relationship is central to the buyer's model.
The same discipline applies to banks. An account belongs to the company, but a new ultimate beneficial owner can trigger fresh KYB, source-of-funds, sanctions and business-model review. Operating, safeguarding and settlement accounts perform different functions and must not be collapsed into a single claim that banking is included.
Transaction mechanics
The buyer acquires the company and then updates the control environment
The proposed transaction is a purchase of all shares in the Polish entity. The MIP register entry remains attached to that entity while its ownership and, potentially, management change. The public MIP provisions reviewed as of July 2026 do not reproduce the qualified holding pre-notification regime that applies to a KIP, but that does not remove other filing, notification or contractual requirements.
Polish counsel should map the share transfer, KRS and beneficial-owner filings, changes to management and registered information, and any KNF notifications. KNF guidance requires an MIP to report changes to data recorded in the register within the applicable statutory period. Banks, BLIK, processors, clients, landlords and key vendors may impose their own consent or notification mechanics.
A workable closing plan therefore separates corporate completion from operational continuity. Share title can pass while counterparties are still assessing the incoming owner. The buyer should define conditions precedent, post-closing covenants and a fallback operating plan rather than assume that every relationship follows the shares without review.
Buyer file
Minimum diligence pack before signing
-
Corporate and register evidence
KRS documents, cap table, beneficial owners, KNF MIP entry, registered services, agents and branches.
-
Regulatory and compliance file
KNF correspondence, AML risk assessment, policies, reports, inspections, complaints and sanctions searches.
-
Volume and safeguarding evidence
Twelve months of statutory calculations, KNF reports, reconciliations, dedicated-account evidence and safeguards.
-
Client and processing evidence
Client contracts, invoices, processor reports, APM agreements, flow-of-funds map and PLN/EUR settlement evidence.
-
Banking file
Account agreements, purpose of each account, current status, statements and ownership-change provisions.
-
BLIK file
Participation agreement, role, settlement arrangements, technical status, collateral and control-change provisions.
-
Transaction documents
Share purchase agreement, warranties, indemnities, conditions, handover plan and counterparty consent schedule.
FAQ
Buyer questions about this Polish MIP offer
Straight answers before the data room. If your question is not here, ask us directly
01 Is a Polish MIP a KNF licence?
No. MIP is regulated payment activity conducted after entry in the KNF register. The company does not receive a detachable licence, and its actual service scope is the scope recorded for that entity.
02 Does the EUR 1.5 million threshold apply to every individual month?
The operating ceiling is based on the average total value of payment transactions over the preceding 12 months, expressed as a monthly average. Separate reporting triggers can also apply to a single month and shorter rolling measures.
03 Can the MIP serve the whole EEA?
No. MIP activity is limited to Poland and has no EEA passporting mechanism. A wider model needs separate authorisation and country analysis.
04 Is BLIK included in the share sale?
The seller reports BLIK connectivity, but the exact contractual role and treatment of a new owner have not been independently confirmed. The agreement and written counterparty position must be reviewed during diligence and built into closing conditions.
05 Will the existing bank accounts remain active?
That cannot be assumed. Each bank can reassess the incoming owners, management, source of funds and business model. Account purpose and continuity require direct bank evidence.
06 Does buying the company avoid KNF and compliance work?
No. The buyer still needs corporate filings, an updated control and management file, regulatory notifications where applicable, AML handover and counterparty reviews. The existing registration is a starting point, not a substitute for buyer suitability.
07 What is the asking price?
Price is on request after buyer qualification and NDA. The buyer should assess value only after the register, volume, client, banking, BLIK and compliance evidence has been tested.
Related guidance
Understand the route before relying on the offer
Polish Small Payment Institution route
The MIP perimeter, volume calculation, domestic limit, safeguards and operating requirements.
Poland MIP vs KIP
Registration and authorisation compared, including scale, territory and transition points.
Poland jurisdiction overview
The wider Polish payments route, live inventory and buyer diligence framework.
Reviewed by the SKY7 advisory team. Last reviewed: 11 July 2026. This page is general information only, not legal, regulatory, tax, investment or financial advice. The owner reports having checked an active MIP register entry. The entity identity, exact registered services, BLIK role, bank accounts, clients, transaction figures and regulatory history are not disclosed on this anonymous page and must be verified in buyer diligence. Verify current requirements against the Polish Payment Services Act, the KNF e-RUP register, current KNF guidance and the applicable counterparty agreements before relying on them.
Tell us what you need
Request the Polish MIP buyer file
Bring the proposed ownership, product, markets and flow of funds. SKY7 will scope register verification, data-room priorities, bank and BLIK continuity, transaction conditions and the post-closing compliance workstream. Price is on request.