--- title: "Money Transfer Software for Polish Payment Institutions" description: "Payout software for a KNF-authorised KIP: zloty collection, SEPA Instant and SWIFT payouts, corridor FX margins and the IT part of your licence file." url: "https://crassula.io/solutions/money-transfer/poland-payment-institution/" lang: "en" image: "https://crassula.io/static/images/og/crassula-default.d7d01fb8a962.jpg" alternates: "en": "https://crassula.io/solutions/money-transfer/poland-payment-institution/" "de": "https://crassula.io/de/solutions/money-transfer/poland-payment-institution/" "es": "https://crassula.io/es/solutions/money-transfer/poland-payment-institution/" "fr": "https://crassula.io/fr/solutions/money-transfer/poland-payment-institution/" "x-default": "https://crassula.io/solutions/money-transfer/poland-payment-institution/" index: "https://crassula.io/llms.txt" --- Poland · Payment institution (krajowa instytucja płatnicza) # Remittance and payout software for Polish national payment institutions (KIP) Polish law lets a KIP that only offers money remittance start with EUR 20,000 of capital, the lowest tier there is. The capital is modest, the daily work is not: every zloty taken in has to be matched to a payout, protected if it is still waiting the next business day and traceable for KNF. That operational layer is what we run. [Request demo](https://crassula.io/request-demo/) [Money Transfer →](https://crassula.io/solutions/money-transfer/) Your market**Poland**Payment institution (krajowa instytucja płatnicza) - Remittances priced per corridor - Payout files with a second approval - Each zloty traced to its transfer - SEPA Instant and SWIFT payouts Rails your customers can use **PLN collection through your bank (Elixir, Express Elixir)****SEPA Instant****SEPA Credit Transfer****SWIFT****Internal transfers** What the regulator asks about your IT**7** Case Studies ## See what teams build with Crassula. ![Paysend](https://crassula.io/static/images/solutions/cases/logo-paysend.1177d744fb9a.png) - SEPA Credit - SEPA Instant - SEPA Direct Debit Live on Crassula ### [SEPA connectivity for a global payments business.](https://crassula.io/cases/paysend/) A technical connector for SEPA Credit, SEPA Instant and SEPA Direct Debit, with back-office and ledger capabilities. [Read case study: Paysend](https://crassula.io/cases/paysend/) ![Multipass](https://crassula.io/static/images/solutions/cases/logo-multipass.7fb14a8eede7.png) - Multi-currency accounts - Cross-border payments - BaaS connections Live on Crassula ### [Custom financial products for global businesses.](https://crassula.io/cases/multipass/) Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections. [Read case study: Multipass](https://crassula.io/cases/multipass/) Money Transfer · Payment institution (krajowa instytucja płatnicza) ## Transfer services a Polish KIP can run ### Sending money out of Poland The sender pays in zloty, picks a recipient abroad and sees the rate, the fee and the amount that will arrive before confirming. ### Payouts for platforms and employers Marketplaces, staffing agencies and gig platforms upload one file or call the API, and the batch is released only after a second person on your team approves it. ### FX margins set per currency pair Price lists hold the spread and fee for each corridor and client group. Opening PLN to EUR for business clients at a different margin is a settings change. ### Payment accounts for regular senders Accounts used only to execute transfers. The balance is shown as money waiting to go out, which keeps the product clear of e-money. ### Rejected transfers back to the right sender Every transfer carries its own status history, so a payment returned by the receiving bank can be traced and refunded without manual searching. ### What this licence does not cover - Open-ended stored-value wallets. A KIP may issue e-money only in Poland, only with at least EUR 125,000 of capital and only while average e-money outstanding stays under EUR 5 million. Beyond that you need an e-money authorisation. - Cross-border transfers as a small payment institution (MIP). That registration covers Poland only, caps monthly volume at an average of EUR 1.5 million and limits funds held per user to EUR 2,000. - Lending from the funds customers hand over for transfers. Your market ## What the regulator asks about your IT Each requirement, what the platform gives you for it and who owns it after launch. 1 Initial capital matched to the services: EUR 20,000 for money remittance only, EUR 50,000 for payment initiation, EUR 125,000 for the other services A plain description of each payment service the platform performs, so the services list in your application and your capital tier match. You, with your lawyers 2 A Polish legal person that will carry out at least part of its payment business in Poland Back office access for the team in Poland to approve senders, corridors and payout batches, with an audit trail of every decision. You 3 Funds not paid out by the end of the next business day kept in a separate bank account or low-risk liquid assets, or covered by a guarantee or insurance from outside your group Per-transfer ledger records that show which funds are still in transit at each cut-off, exported for your reconciliation. Your finance team 4 Payer and payee information travelling with each transfer Sender identity and address captured at onboarding and attached to every outgoing payment, with incoming payment data stored per transfer. Shared 5 Corridor risk assessment and customer due diligence under the Polish AML Act Client limits per corridor and client type, plus transfer exports for the screening and monitoring tools you connect. Your AML officer 6 Payee name check on euro transfers from 9 July 2027 Name and IBAN data passed to the verification of payee service you contract, with the result shown to the sender. You, with your rails provider 7 Outsourcing notice to KNF and DORA register entries Service description, data locations, subcontractors and exit plan for your register of information. You, with our input Poland ## Payment rails and providers Rails your customers can use PLN collection through your bank (Elixir, Express Elixir) SEPA Instant SEPA Credit Transfer SWIFT Internal transfers **24/7**real-time processing, no batch window **60+**payment and provider integrations connected **150+**companies run on Crassula **15+**languages the platform speaks Poland ## Dates to plan around Rules that change what you have to build, in the order they apply. 1. **9 Apr 2027** Polish payment institutions that offer euro credit transfers must be able to receive instant euro payments. 2. **9 Jul 2027** From this date they must also send instant euro payments and offer the payer a payee name check on euro transfers. 3. **10 Jul 2027** The EU Anti-Money Laundering Regulation applies, with one set of due diligence rules for the senders you onboard. 4. **9 Jun 2028** End of the period in which non-euro providers may limit instant euro payments sent outside business hours from accounts held in zloty. 5. **Around 2028** PSD3 and the Payment Services Regulation are expected to apply. Plan for your authorisation to be checked against the new rules. Payment institution (krajowa instytucja płatnicza) ## Applying to KNF for a KIP authorisation? Name us in your file. KNF charges the PLN equivalent of EUR 1,250 when it grants the authorisation and has three months to decide once the file is complete. We bring a transfer platform that already runs and write the technical sections around it. [Talk to us about your application](https://crassula.io/request-demo/) Crassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application. 1. 01 ### A platform you can demonstrate A configured environment to show the regulator, not slides. 2. 02 ### The technical part of your application, prepared Payment flows, IT security, risk management and internal control, outsourcing, ICT risk and DORA sections for your KNF file, ready for translation into Polish. 3. 03 ### Providers lined up Banking, safeguarding and KYC providers from our network, matched to your licence. ![A business traveller checking a phone before a journey.](https://crassula.io/static/images/features/people/global-1200.aed85c69e1b8.webp) Money Transfer ## A remittance service from Kraków Imagine a team serving people who work in Poland and support family in other countries. Senders pay in zloty by bank transfer into the KIP's collection account. Euro reaches EU recipients over SEPA Instant, and other currencies go out over SWIFT through a connected provider. To keep the first application small, the team applies for money remittance only, the EUR 20,000 capital tier, and shows KNF how a transfer is priced, protected overnight and released. A year later they plan to add payment accounts for regular senders, which moves them to the EUR 125,000 tier and needs a change to the authorisation. Further reading: the [Poland KNF payment licensing guide](https://crassula.io/guides/licenses/poland-knf-payment/) and [how payment institution licences work](https://crassula.io/guides/licenses/payment-institution/). Guides ## Read the licence guides ![Poland KNF Small Payment Institution (MIP) License in 2026](https://crassula.io/static/images/guides/poland-knf-payment/warsaw-palace-preview-960.6f35d524fac2.jpg) ### [Poland KNF Small Payment Institution (MIP) License in 2026](https://crassula.io/guides/licenses/poland-knf-payment/) ![Payment Institution (PI) License in 2026: The Complete Guide](https://crassula.io/static/images/guides/payment-institution/payment-arrow-preview-960.a0fe81e25515.jpg) ### [Payment Institution (PI) License in 2026: The Complete Guide](https://crassula.io/guides/licenses/payment-institution/) ![Small Payment Institution and Small EMI License in 2026](https://crassula.io/static/images/guides/small-pi-emi/small-emi-sapling-preview-960.3ac541bcb4b0.jpg) ### [Small Payment Institution and Small EMI License in 2026](https://crassula.io/guides/licenses/small-pi-emi/) ![The Money Transfer Industry in 2026: Models, Players and How to Launch](https://crassula.io/static/images/guides/what-is-money-transfer/money-transfer-globe-preview-960.9c269560724b.jpg) ### [The Money Transfer Industry in 2026: Models, Players and How to Launch](https://crassula.io/solutions/money-transfer/guides/what-is-money-transfer/) [**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/) Poland · Payment institution (krajowa instytucja płatnicza) ## FAQ The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) How much capital does a Polish payment institution need? It depends on the services. Money remittance alone needs the PLN equivalent of EUR 20,000, payment initiation EUR 50,000, and any of the other payment services, such as payment accounts or transfers from them, EUR 125,000. Own funds on top of that grow with your volumes. What fees does KNF charge a KIP? The PLN equivalent of EUR 1,250 when the authorisation is issued and EUR 400 for most later changes to the authorisation or the register entry. Narrowing your services is free. You also pay an annual contribution towards KNF's supervision costs. Should we start as a small payment institution (MIP) instead? Only for a domestic test. A MIP is registered within three months for a PLN 616 stamp duty and needs no minimum capital under the Act, but it cannot passport, its monthly volume must average no more than EUR 1.5 million and it may hold at most EUR 2,000 per user. A remittance business sending money abroad at scale needs the KIP. How do we have to protect customer money? Funds must never be mixed with your own. If they have not reached the payee or the next provider by the end of the business day after receipt, they go to a separate account at a bank or a central bank, or into secure low-risk liquid assets. A bank or insurance guarantee, or insurance from a firm outside your group, can replace that. Do the EU instant payment rules apply to zloty transfers? No. They cover euro credit transfers. Instant zloty payments run on Express Elixir, operated by KIR, which both the sending and the receiving bank must take part in. In the set-up we support, a KIP reaches it through its settlement bank. Which corridors can we open? Euro corridors run on SEPA and SEPA Instant. Other currencies go over SWIFT through a connected provider. Which countries you serve follows from your AML risk assessment, and limits can differ per corridor and client type. Poland · Payment institution (krajowa instytucja płatnicza) ## Transfer services a Polish KIP can run Tell us your licence and country. We will map the rails, providers and documents you need. [Request demo](https://crassula.io/request-demo/) [**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/) [**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)