# Tpay — Payment

Tpay by Krajowy Integrator Płatności sp. z o.o. (tpay) holds a panel rating of 0.5/5 from 6 AI judges (category median 2/5), as of 2026-10-21. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: Krajowy Integrator Płatności sp. z o.o. (tpay) (https://tpay.com)
- Category: [Payment](https://whats-best.ai/software/payment.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/payment/tpay
- Alternatives: https://whats-best.ai/software/payment/tpay/alternatives ([markdown](https://whats-best.ai/software/payment/tpay/alternatives.md))
- Data as of: 2026-10-21 · evaluated 2026-10-21 · oldest source captured 2026-10-20

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Krajowy Integrator Płatności sp. z o.o. (tpay)
- Headquarters: Not stated on the vendor’s pages as of 20 Oct 2026
- Data hosting: Not stated on the vendor’s pages as of 20 Oct 2026
- Free plan: Not stated on the vendor’s pages as of 20 Oct 2026

## The panel's verdict

Tpay is a payment service from Krajowy Integrator Płatności S.A., seated in Poznań, which contracts with merchants and is named as data controller; card acceptance for Apple Pay runs through the acquirer Elavon. The bench scores it highest on sovereignty, at 2-3, and licence and account terms, at 1-2, where the named Polish entity, onboarding that requires a verification form, an activation fee and acceptance of the general terms, and an account ready to accept payments within 24 hours carry the weight. It is weakest on recurring billing, the only criterion scored 0, with no public information on stored credentials, mandates, retries or dunning; settlement and reconciliation sits at 1, supported only by a transaction panel, free plugins and an API. Checkout and payment methods run 1-2: on-site payments, a 'smart checkout' and Apple Pay with credit and debit cards from banks worldwide are described, while 3-D Secure, SCA exemptions and per-country method coverage are not. Pricing shows structure only: free account, activation fee of unstated amount, volume packages. No criterion varies by more than a point.

**Speaks for it:**
- Named Polish contracting party and data controller — Krajowy Integrator Płatności S.A. with seat in Poznań — underpins the bench's highest scores, 2-3 on sovereignty.
- Account stated ready to accept payments within 24 hours, after a verification form, an activation fee and acceptance of the general terms.
- Free shop plugins and a free API, with WooCommerce, PrestaShop, Shopify, Magento, Shoper and Selly named as platforms.
- Apple Pay acceptance documented for credit and debit cards from banks worldwide, with card acquiring through Elavon.
- On-site payments that eliminate redirects and a 'smart checkout' to limit cart abandonment drew the top checkout score of 2 from the e-commerce lead.

**Held against it:**
- Recurring billing is the only criterion scored 0, with no public information on stored cards, merchant-initiated transactions, SEPA mandates, retries or dunning.
- Settlement and reconciliation scores sit at 1 with no spread, and no public information on payout schedule, fee breakdowns, webhooks or reports linking payouts to transactions.
- Checkout and SCA scores run 1-2, with no public information on 3-D Secure, SCA exemptions, fraud screening or PCI scope.
- No licence, supervisor or register number is published, and chargeback fees, reserves and termination conditions do not appear on the captured pages.
- No public information on where payment and cardholder data are processed or stored, and no subprocessor list — the Polish controller and Elavon as acquirer are the only named parties.

**Best for:**
- You run a one-off-purchase online shop and want fast setup — the vendor states an account ready to accept payments within 24 hours, with free plugins for WooCommerce, PrestaShop, Shopify, Magento, Shoper and Selly.
- You want a named Polish entity seated in Poznań as contracting party and data controller — sovereignty is the only criterion where the bench reached 3.
- Your checkout runs mainly on Apple Pay with credit and debit cards, whose acceptance is documented down to acquirer Elavon.

**Avoid if:**
- Your business charges customers on a recurring basis — ask the vendor: the public pages we read do not show it
- Your finance team must close months on payout and reconciliation data before signing — settlement and reconciliation scored 1, with only an on-screen transaction panel shown.
- You must document 3-D Secure, SCA exemption or PCI scope for compliance sign-off in advance — checkout and SCA scored 1-2 with no public detail on these.
- You need to plan acceptance per method, country and currency across markets — payment methods scored 1-2, and Apple Pay is the only method named.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price.

| Criterion | The Finance Lead | The E-Commerce Lead | The SaaS Founder | The Payments Engineer | The Compliance Officer | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Payment methods & local coverage | 1/5 | 0.5/5 | 1/5 | 1/5 | 1/5 | 0.5/5 |
| Checkout, SCA & fraud | 0.5/5 | 1/5 | 0.5/5 | 0.5/5 | 0.5/5 | 0.5/5 |
| Subscriptions & recurring payments | 0/5 | 0/5 | 0/5 | 0/5 | 0/5 | 0/5 |
| Settlement, reconciliation & API | 0.5/5 | 0.5/5 | 0.5/5 | 0.5/5 | 0.5/5 | 0.5/5 |
| Licence, risk & account terms | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 0.5/5 |
| European sovereignty | 1.5/5 | 1.5/5 | 1/5 | 1.5/5 | 1/5 | 1/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **1/5** | **0.5/5** | **0.5/5** | **0.5/5** | **1/5** | **0.5/5** |

### The judges

- **The Finance Lead** (v1.0): Closes the month and owns the cash position. Wants payouts on a stated schedule, fees itemised per transaction rather than netted into a lump, reports that match the bank statement, and a rolling reserve written into the contract with a limit rather than discovered on a Tuesday.
- **The E-Commerce Lead** (v1.0): Sells to customers in eight EU countries and is measured on conversion. Wants the local methods each market actually uses named per country, a checkout that stays on her domain, and 3-D Secure that challenges only when it must. Reads "100+ payment methods" as a count, not a list.
- **The SaaS Founder** (v1.0): Runs a B2B subscription business where every failed renewal is churn nobody chose. Wants SEPA mandates as well as cards, dunning that recovers, proration that is correct, and the payment tokens exportable — because a provider that keeps the tokens keeps the customer base hostage.
- **The Payments Engineer** (v1.0): Integrates the provider and gets paged when webhooks stop arriving. Wants a versioned API with idempotency keys, a test mode that behaves like production, the PCI scope of each integration stated, and a status page that admits incidents rather than a green dot.
- **The Compliance Officer** (v1.0): Handles data protection and outsourcing risk, and wants the regulated entity named with its supervisor and register number, not "licensed in Europe". Asks where transaction and cardholder data are processed, who the subprocessors are, and where the provider acts as controller rather than processor.
- **The Skeptic** (v1.0): Knows the headline rate covers the cheapest card in the cheapest country. Reads for the currency conversion markup, the chargeback fee, the payout delay and the clause that lets the provider freeze funds without a reason — and treats a missing licence number as an answer.

## European sovereignty — proven facts

No sovereignty finding yet.

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Integrations**
- Apple pay bank cards: banks worldwide · credit · debit [S2]
- Ecommerce platforms: WooCommerce · PrestaShop · Shopify · Magento · Shoper · Selly [S1]

**Legal**
- Data controller: Poznań · Krajowy Integrator Płatności S.A. [S2]
- Entity: Poznań · Krajowy Integrator Płatności S.A. [S1]

**Pricing**
- Volume packages: price packages matching sales scale, lower commission at higher volume [S1]

**Product**
- Account activation fee: verification form · activation fee · acceptance of OWU · yes [S2]
- Account activation time: 24 [S1]
- Apple pay acquirer: card transaction processing provider · Elavon [S2]
- Apple pay contactless terminals: yes [S2]
- Apple pay security: device-specific number and unique transaction code; payer data not stored or shared [S2]
- Apple pay support: Apple Pay · yes [S2]
- Free account: yes [S1]
- Integration options: yes · yes · yes [S1]
- On site payments: on-site payments, smart checkout reducing cart abandonment [S1]
- Payment methods: all payment methods for e-commerce, apps, stationary shops [S1]
- Segments: SME · Enterprise [S1]
- Transaction dashboard: transaction panel with desktop and mobile app [S1]

## Questions

### Is Tpay European?

Not determined: the vendor’s pages as captured do not say where Tpay is based.

### Where does Tpay store data?

Not stated on the vendor’s pages as of 20 Oct 2026.

### Does Tpay have a free plan?

Not stated on the vendor’s pages as of 20 Oct 2026.

### What are the best alternatives to Tpay?

As of 21 Oct 2026, the panel rates [Adyen (3/5)](https://whats-best.ai/software/payment/adyen), [Mollie (3/5)](https://whats-best.ai/software/payment/mollie) and [Checkout.com (3/5)](https://whats-best.ai/software/payment/checkout-com) highest among the other 30 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Adyen](https://whats-best.ai/software/payment/adyen) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Tpay alternatives](https://whats-best.ai/software/payment/tpay/alternatives).

## What this page leaves out

- We found no public information on compliance on the pages we read (tpay.com, tpay.com/metody-platnosci/apple-pay). If the vendor publishes it somewhere else, send us the page.
- 4 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 1 pricing fact could not be confirmed on the vendor’s page as captured and was left out of this page and of the panel’s material.

## Sources

- [S1] Vendor page: https://tpay.com (checked 2026-10-20)
- [S2] Payment methods & local coverage — found from sitemap: https://tpay.com/metody-platnosci/apple-pay (checked 2026-10-20)

---

Cite as: whats-best.ai, "Tpay — Payment", AI panel analysis, as of 2026-10-21. https://whats-best.ai/software/payment/tpay

Corrections: https://whats-best.ai/correct/935?target=page