Jakub — CEO & Co-founder

I launched Bcpay.pl in 2019 with a simple ambition: build a modern, fair, and efficient payments platform for e-commerce. In 2020 we secured our KNF registration as a Small Payment Institution (MIP) and integrated BLIK—two milestones that accelerated merchant adoption.

From 2020 to 2022, fraud was our toughest teacher. As volume grew, so did attempts to abuse the system. We invested heavily in risk modeling, KYC/KYB, real-time rule engines, and chargeback automation.

The turning point came in 2023. With better data pipelines and models in place, we started outpacing attackers. In 2024 and 2025 we maintained one of the best fraud rates among payment institutions in our segment—without compromising UX or conversion.

By 2025, we had processed over PLN 200 million in payments. To me, that number isn’t just scale—it’s proof that growth, compliance, and safety can reinforce each other.

What this taught me about payments

• Security is part of the product. Anti-fraud isn’t an add-on; it’s core to customer experience.
• Data wins disputes. Tight telemetry and feedback loops cut reaction times from weeks to hours.
• Regulation as an advantage. MIP status and a strong relationship with KNF built process discipline and partner trust.
• Scale without friction. BLIK integration and clean APIs sped up onboarding and reduced support load.

Highlights I’m proud of

• PLN 200M+ processed (2019–2025)
• KNF MIP registration (2020)
• BLIK integration (2020)
• Top-tier fraud metrics (2024–2025)

I look back on Bcpay.pl with gratitude to the team and our partners. It was an intense journey that shaped me as a leader and truly taught me payments—from regulatory foundations to hands-on risk engineering. If my lessons can shorten someone else’s path, I’m always happy to share.