Polish FinTech paymove raises $2.3M for AI agent payments

Jan de Vries · 2026-06-10

Polish FinTech paymove has secured $2.3 million in its latest funding round to build a payment infrastructure designed for autonomous AI agents and fuel its expansion into Western European markets. Founded in 2022, the company is quickly making a name for itself in the offline payments space. The round was led by 4growth VC, with participation from Kogito Ventures and a group of prominent business angels. This investment signals strong confidence in paymove's vision to modernize how we pay for everyday things. ### What paymove actually does paymove is all about digitizing the unattended commerce segment. Think about all those times you've fumbled for coins at a parking meter, struggled with a ticket machine, or dealt with paper invoices. The company replaces expensive hardware like POS terminals and cash desks with a simple QR code. No app downloads, no registration. Just scan and pay. The company's goal is to create a seamless digital payment layer for the offline world. They're targeting payments for parking, public transit, ticketing, administrative fees, and even paper invoices. It's a pretty ambitious play to tackle an area that's been slow to change. > "paymove's ambition is to build a cohesive payment ecosystem for partners seeking technologically straightforward and cost-effective solutions. Our goal is to transform our services into a comprehensive Payment-as-a-Service platform built on three pillars: occasional payments, e-commerce & mobile, and agentic payments driven by AI models," says Piotr Mazur, CEO of paymove.  ### Three pillars of the platform paymove is building its Payment-as-a-Service offering around three main areas: - **Occasional payments**: One-off transactions for things like parking or tickets - **E-commerce & mobile**: Online and in-app payments - **Agentic payments**: A new infrastructure for AI agents to make payments autonomously The company already has market-ready products in the first two segments. They plan to unveil their dedicated AI agent payment infrastructure later this year. That's where things get really interesting.  ### The bigger picture in European fintech This funding fits into a broader trend across Europe. Investors are pouring money into payments infrastructure, agentic money movement, and AI-enabled finance operations. So far this year, there's been $283 million in disclosed funding in this space. Direct competitors include SolvaPay and Ralio, both focused on enabling AI agents to transact. Larger rounds for companies like Primer, Silverflow, and Sokin show that capital is still flowing to platforms that solve fragmented payment processing and cross-border money movement. ### Why offline payments matter The offline payments market in Europe is estimated at $43 billion, with the unattended segment alone worth about $10.4 billion. Despite the massive opportunity, most of this market remains under-digitized. It's still burdened by outdated and expensive physical infrastructure. > "The offline payments market remains heavily under-digitalised, burdened by outdated and expensive physical infrastructure. The paymove team excels at precisely defining merchant needs, offering a frictionless entry point with zero implementation or hardware costs," comments Jan Kastory, Managing Partner at 4growth VC. Kastory also points out that while e-commerce is hyper-saturated, the offline market presents a unique window of opportunity. EU regulations like SEPA Instant are further propelling this shift. ### Current traction and next steps paymove already operates across more than 2,000 locations in Poland. They've reached over 600,000 users and process hundreds of thousands of transactions every year. That's solid validation for a company that's only been around since 2022. The next big milestone is international scaling. Advanced contract negotiations are already underway in Spain, Portugal, and Italy. The company is clearly aiming to replicate its Polish success in other European markets. > "Since our initial discussions two years ago, paymove has made tremendous strides, proving that its model can rapidly capture untapped market share in Poland. This successful domestic validation paves the way for the next phase of growth: dynamic international expansion," says Marcin Jaszczuk, Managing Partner at 4growth VC. ### What this means for the industry paymove's approach is refreshingly simple. By removing friction from offline payments, they're making it easier for both merchants and consumers. And with AI agent payments on the horizon, they're positioning themselves at the intersection of two massive trends: digital payments and artificial intelligence. For professionals watching the European startup scene, paymove is definitely one to keep an eye on. Their focus on unattended commerce and AI-driven payments could give them a real edge as the market evolves.