PeP Group

Polskie ePłatności (Polish ePayments – PeP) is a leading Polish merchant acquirer in Poland offering a full range of in-store, online payment solutions and value-added services. with an installed base of more than 230 000 point-of-sales terminals, offering a broad set of payment solutions for SME merchants. Founded in 2010 Over the last 10 years, PeP exhibited impressive growth as a result of both organic growth and sizeable acquisitions with the terminal base more than tripling since mid-2016.

PeP is the fastest growing payment technology company in one of the fastest growing digital payment economies in Europe. The team of PeP is know for their high-quality in-house operation and business performance. Polskie ePłatności is the third largest payment terminal operator in Poland in terms of the number of devices. With over 160,000 point-of-sales terminals and offers a wide range of payment solutions. One of the reasons why the conditions for the further expansion of cashless payments in Poland are very good is that the Polish government has introduced several initiatives to promote non-cash use. With their SME focus and strong presence in the card acceptance and POS terminals space, PeP fits very well with our existing business, extending Nets portfolio of online payment solutions for merchants in Poland.

Over the last 5 years PeP was conducting a consolidation process of the Polish payment market. As a result, it managed to take over, among others terminal business of Kolporter and companies PayUp, PayLane, BillBird and recently – TopCard. The company employs more than 600 people and expects net sales of around EUR 55 million in 2020. Since October 2020 PeP is a part Nets Group.

Polskie ePłatności (Polish ePayments – PeP) is a leading Polish merchant acquirer in Poland offering a full range of in-store, online payment solutions and value-added services. with an installed base of more than 200,000 point-of-sales terminals, offering a broad set of payment solutions for SME merchants. Founded in 2010 Over the last 10 years, PeP exhibited impressive growth as a result of both organic growth and sizeable acquisitions with the terminal base more than tripling since mid-2016.

PeP is the fastest growing payment technology company in one of the fastest growing digital payment economies in Europe. The team of PeP is know for their high-quality in-house operation and business performance. Polskie ePłatności is the third largest payment terminal operator in Poland in terms of the number of devices. With over 160,000 point-of-sales terminals and offers a wide range of payment solutions. One of the reasons why the conditions for the further expansion of cashless payments in Poland are very good is that the Polish government has introduced several initiatives to promote non-cash use. With their SME focus and strong presence in the card acceptance and POS terminals space, PeP fits very well with our existing business, extending Nets portfolio of online payment solutions for merchants in Poland.

Over the last 5 years PeP was conducting a consolidation process of the Polish payment market. As a result, it managed to take over, among others terminal business of Kolporter and companies PayUp, PayLane, BillBird and recently – TopCard. The company employs more than 600 people and expects net sales of around EUR 55 million in 2020. Since October 2020 PeP is a part Nets Group.

Management

Maciej Nowosielski - President of the PeP Group Management Board

Maciej Nowosielski has been in leadership and management roles at strategic and operational levels for over 22 years. In his 25 years of experience, he has met businesses from 7 different industries. Currently, as of February 28, 2022, he is the CEO of Polskie ePłatności S.A. Group and its subsidiaries. He has been with PeP since May 2017, first as Commercial Director, and since January 2020 as Vice President of the Management Board. Previously, he worked with Advent International Investment Fund in the publishing and education markets as Commercial Director and Director of Business Development and Sales, respectively. In parallel, he carried out interim projects for companies such as Perfetti van Melle, Ricoh and Media Saturn Holding and many others. From 1997 to 2010, he was associated with the telecommunications industry. At Orange, he managed a network of indirect sales agencies and investment projects in the B2C and SOHO markets. Earlier, at Telekomunikacja Polska Group, he managed field structures in the areas of sales and operational marketing in managerial positions. He honed his competencies at the Executive MBA at The Nottingham Trent University & Poznań University of Economics, training courses offered by FT Group Management School Development Programs and postgraduate studies in management and marketing. He holds an Associate PM certification supported by MT&DC, TQM and SixSigma training. A practitioner, he is an experienced leader yes within organization development, change management or working with multidimensional commercial structures. Privately, he enjoys sharing his knowledge by conducting trainings and lectures at several universities in the country and is passionate about martial arts.

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Rafał Merk - Vice President of the Management Board CFO

Rafał Merk has been Vice President of the Management Board of Polskie ePłatności S.A. since June 2022. He gained his extensive knowledge useful in the FinTech industry, among others, as CEO of Daimler Mobility / Athlon Lease Polska (the FinTech arm of Daimler Group), one of the leading providers of vehicle leasing and financing and fleet management services in Europe. From 2021 to 2017, as CFO for Central Europe, he was associated with De Lage Landen (Rabobank Group), a global company offering asset-based financing solutions in the agriculture, food, healthcare, technology, construction, transportation and industrial sectors. Prior to that, from 2007 to 2011, he built his career as CFO and Member of the Executive Board at ING Group, which offers a full range of asset-based financial products, to become CFO and Chief Operating Officer for factoring and supply chain finance at the Dutch branch of ING Commercial Bank NV in Amsterdam from 2011 to 2012. He began his career in finance with AVIVA Poland, where he worked as Financial Process Manager from 2002 to 2007. Rafal Merk's extensive knowledge will certainly bring great added value, and will be used to optimize and improve the company's financial management,

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Żaklina Pawlak-Iwińska - Vice President of HR

Żaklina Pawlak Iwińska was associated with Polish ePayments practically from the very beginning of the establishment of the company. In February 2019, she took the position of Vice President of HR, and since the end of 2019 she is a Member of the Supervisory Board of BillBird S.A. (a member of the Polish ePayments group). In the years 2011-2019 she was the HR Department Director. She gained her experience in the field of human resources management in 2010-2016 as HR Director at OPTeam S.A. She devoted the years 2007-2010 to work and gaining experience at the Rzeszów Hospital of the Ministry of Interior and Administration, as the head of the human resources department. A graduate of the University of Rzeszów in the field of sociology and history, with additional diplomas in human resources management, competence management, labor law and health and safety at work. She uses her significant experience to support the development of one of the fastest growing companies in the field of non-cash payments in Poland. She shares her knowledge and passion by participating as a speaker and expert in numerous conferences and seminars within the Podkarpacki HR Club. In her free time, she loves big and small travel, as well as modern methods of personal development of employees. Her outdoor activities are related to her passion for flowers and gardening.

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Jarosław Mikos - Member of the Supervisory Board

Jarosław Mikos has been the President of the Management Board of Polish ePayments from December 5th, 2017 to February 28th, 2022. He has extensive knowledge about building efficient and fast-growing organizations and understanding of the laws governing the Fintech market, especially in the e-commerce industry. He uses the knowledge he gained through years of holding the highest positions in Polish and international companies, in pursuit of creating the No 1 operator of non-cash payments in Poland. As the president, he makes every effort to ensure that Polish ePayments becomes the undisputed leader on the market of FinTech services in Poland. A CEO with 20 years of experience, during his career, he played key roles in Polish and international companies. He is successful in increasing sales, transformations, restructurings, mergers and acquisitions and cost optimization of companies. Creator of winning teams and inspiring mentor. Earlier. During two years of managing the Polish ePayments group, which employs over 600 employees, he conducted 5 transactions of purchase of terminal and e-commerce companies, doubled sales value and EBITDA three times. In the years 2013-2017 he was associated with the Wirtualna Polska Group as the chairman of the supervisory board, recording successes such as creating a leader among websites with 21 million unique users and over 80% coverage. In the period from 2011 to 2013 he was the president of Magna Polonia finalising profitable transactions of portfolio companies' sales. From 2000 to 2007 he held the position of CFO and then CEO in Energis Polska. In 2005, he merged Energis Polska with GTS Polska, in which he remained the president of the management board. Previously, he worked for Deloitte and PwC in the field of business transactions, privatisation and M&A holding position of a manager in the London branch of PWC and then deputy director in the M&A and Privatization Department. In 1996 he spent a year at Coopers & Lybrand as a senior consultant. He started his business activity in 1995 at Deloitte & Touche in the Economic Advisory Department. Privately, a lover of sport and adrenaline. An enthusiast of mountaineering and mountain expeditions, as well as a participant in triathlons.

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Janus Hillerup - Member of the Supervisory Board

Janus Hillerup is Group General Counsel and Head of Legal, Compliance & Risk Management at Nets Group. He has 17 years of experience in the field of Legal & Compliance. Prior to joining Nets he spend more than a decade with the Danish stocklisted company NKT A/S leading the Legal, Compliance & Risk Management team. Before that, he worked with one of the largest Danish law firms servicing a broad range of international clients.

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Christian Brunhøj - Member of the Supervisory Board

Christian Brunhøj joined Nets in January 2019 as head of strategy and transformation. Currently, as CFO, Christian is responsible for the MS finance, strategy and transformation agenda, combining the finance, risk, compliance, monitoring and strategy teams under his direct leadership. Prior to joining Nets, he was Director of Strategy and Performance and Director of SME Sales (on an interim basis) at Broadnet. Prior to that, he was an Associate Principal at McKinsey, focusing on shaping the customer value creation program across business units and driving large-scale commercial and cost transformation, primarily in telecom and financial services.

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BillBird S.A. is part of the Group Polish ePaymants. It provides money transfer services on the basis of permit No. IP2/2012 issued by the Financial Supervision Commission on 20.12.2012. It is a leader in innovative ways of regulating receivables in Poland. BillBird SA is a provider of solutions for mobile payments providing business solutions for electronic invoices. It guarantees comprehensive protection of data and information, both internally generated and entrusted by other entities.

In 2011. BillBird S.A. received a certificate confirming compliance of the implemented Information Security Management System with ISO/IEC 27001. Awarding this certificate is not only a prestige, but also a measurable benefit for all business partners of BillBird S.A. By implementing appropriate internal regulations, verified during the certification procedure, the company can guarantee comprehensive protection of data and information, both internally generated and entrusted by other entities.

Since 2011. BillBird S.A. has confirmed the application of the highest standards of information security by successfully passing recertification audits three times. Currently held by the Company certificate of compliance of the Information Security Management System with ISO/IEC 27001 standard was issued on 31.08.2020 with the expiration date on 30.08.2023.

Management

Maciej Nowosielski - CEO

Maciej Nowosielski has been in leadership and management roles at strategic and operational levels for over 22 years. In his 25 years of experience, he has met businesses from 7 different industries. Currently, as of February 28, 2022, he is the CEO of Polskie ePłatności S.A. Group and its subsidiaries. He has been with PeP since May 2017, first as Commercial Director, and since January 2020 as Vice President of the Management Board. Previously, he worked with Advent International Investment Fund in the publishing and education markets as Commercial Director and Director of Business Development and Sales, respectively. In parallel, he carried out interim projects for companies such as Perfetti van Melle, Ricoh and Media Saturn Holding and many others. From 1997 to 2010, he was associated with the telecommunications industry. At Orange, he managed a network of indirect sales agencies and investment projects in the B2C and SOHO markets. Earlier, at Telekomunikacja Polska Group, he managed field structures in the areas of sales and operational marketing in managerial positions. He honed his competencies at the Executive MBA at The Nottingham Trent University & Poznań University of Economics, training courses offered by FT Group Management School Development Programs and postgraduate studies in management and marketing. He holds an Associate PM certification supported by MT&DC, TQM and SixSigma training. A practitioner, he is an experienced leader yes within organization development, change management or working with multidimensional commercial structures. Privately, he enjoys sharing his knowledge by conducting trainings and lectures at several universities in the country and is passionate about martial arts.

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Rafał Merk - Member of the Management Board

Rafał Merk has been Vice President of the Management Board of Polskie ePłatności S.A. since June 2022. He gained his extensive knowledge useful in the FinTech industry, among others, as CEO of Daimler Mobility / Athlon Lease Polska (the FinTech arm of Daimler Group), one of the leading providers of vehicle leasing and financing and fleet management services in Europe. From 2021 to 2017, as CFO for Central Europe, he was associated with De Lage Landen (Rabobank Group), a global company offering asset-based financing solutions in the agriculture, food, healthcare, technology, construction, transportation and industrial sectors. Prior to that, from 2007 to 2011, he built his career as CFO and Member of the Executive Board at ING Group, which offers a full range of asset-based financial products, to become CFO and Chief Operating Officer for factoring and supply chain finance at the Dutch branch of ING Commercial Bank NV in Amsterdam from 2011 to 2012. He began his career in finance with AVIVA Poland, where he worked as Financial Process Manager from 2002 to 2007. Rafal Merk's extensive knowledge will certainly bring great added value, and will be used to optimize and improve the company's financial management,

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Mateusz Godecki - Member of the Management Board

Mateusz Godecki has over 18 years of experience in the FinTech and eCommerce market. He specializes in comprehensive services for National Payment Institutions and companies related to the Fintech market. Since September 2018, he has been associated with Centrum Rozliczeń Elektronicznych Polskie ePłatności. Initially, he cooperated with PeP as a Legal Adviser, and then the Head of the Legal Department of the Capital Group, which includes the following companies: Centrum Rozliczeń Elektronicznych Polskie ePłatności, BillBird, Polskie ePłatności (former PayLane), TopCard. Mateusz Godecki's team is responsible for comprehensive legal and regulatory services for all companies of the PEP Group. His successes include co-conducting and then obtaining by PayLane the status of the so-called Affiliate / Associate at Visa and MasterCard Card Association, obtaining and concluding an agreement with the so-called Sponsor Bank in Visa and MasterCard Payment Organizations (the so-called Sponsored Bank), or comprehensive preparation of the PEP Group in the Vendor Due Diligence process in the process of taking over the PeP Group by the Nets Group. Participation in the process of obtaining a permit from the Polish Financial Supervision Authority for the purchase of the National Payment Institution - BillBird, is also an implementation coordinated by Mateusz Godecki's team. His career began in 2006 at the Baker McKenzie Law Firm. Then, in the years 2006 - 2018, he cooperated with eCard, one of the leaders on the Polish market in the field of online payments. From 2014, he also worked in the Capital Partners brokerage house, where he focused on legal services and compliance for subsidiaries: Dom Maklerski Capital Partners S.A. and TFI Capital Partners S.A. as Head of Legal and Compliance Officer.

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Żaklina Pawlak-Iwińska - Member of the Management Board

Żaklina Pawlak Iwińska was associated with Polish ePayments practically from the very beginning of the establishment of the company. In February 2019, she took the position of Vice President of HR, and since the end of 2019 she is a Member of the Supervisory Board of BillBird S.A. (a member of the Polish ePayments group). In the years 2011-2019 she was the HR Department Director. She gained her experience in the field of human resources management in 2010-2016 as HR Director at OPTeam S.A. She devoted the years 2007-2010 to work and gaining experience at the Rzeszów Hospital of the Ministry of Interior and Administration, as the head of the human resources department. A graduate of the University of Rzeszów in the field of sociology and history, with additional diplomas in human resources management, competence management, labor law and health and safety at work. She uses her significant experience to support the development of one of the fastest growing companies in the field of non-cash payments in Poland. She shares her knowledge and passion by participating as a speaker and expert in numerous conferences and seminars within the Podkarpacki HR Club. In her free time, she loves big and small travel, as well as modern methods of personal development of employees. Her outdoor activities are related to her passion for flowers and gardening.

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Polskie ePłatności Sp. z o.o. (formerly PayLane Sp. z o.o.). – a subsidiary of Centrum Rozliczeń Elektronicznych Polskie ePłatności S.A. (“PEP”), in which PEP has 100% of shares in the share capital. Polskie ePłatności Sp. z o.o. acts as a Clearing Agent and is a licensed National Payment Institution registered in the Register of Payment Services Providers of the Polish Financial Supervision Authority under number IP11/2013.

Polskie ePłatności Sp. z o.o. has acquirer status in VISA, MasterCard, Diners and UnionPay card organizations. Thanks to its close cooperation with the payment processor PeP, the company accepts and settles both ecommerce and POS transactions.

The above license is a passport license for the entire European Economic Area, which means that the Company can serve merchants from all over the EEA.

Since 2010 the company has also maintained the PCI DSS card data security license.

Under the brand Polskie ePłatności Online, the company enables fast and secure acceptance of ecommerce transactions through a wide range of methods: card payments, pay-by-links, BLIK, ApplePay, GooglePay, Sofortbanking, SEPA DirectDebit, PayPal and others. Two integration methods offered (Secure Form and API) bring comfort and flexibility, which is appreciated by even the most demanding customers.

Polskie ePłatności Sp. z o.o. is supervised by the Polish Financial Supervision Authority

Management

Maciej Nowosielski - Chairman of the Board

Maciej Nowosielski has been in leadership and management roles at strategic and operational levels for over 22 years. In his 25 years of experience, he has met businesses from 7 different industries. Currently, as of February 28, 2022, he is the CEO of Polskie ePłatności S.A. Group and its subsidiaries. He has been with PeP since May 2017, first as Commercial Director, and since January 2020 as Vice President of the Management Board. Previously, he worked with Advent International Investment Fund in the publishing and education markets as Commercial Director and Director of Business Development and Sales, respectively. In parallel, he carried out interim projects for companies such as Perfetti van Melle, Ricoh and Media Saturn Holding and many others. From 1997 to 2010, he was associated with the telecommunications industry. At Orange, he managed a network of indirect sales agencies and investment projects in the B2C and SOHO markets. Earlier, at Telekomunikacja Polska Group, he managed field structures in the areas of sales and operational marketing in managerial positions. He honed his competencies at the Executive MBA at The Nottingham Trent University & Poznań University of Economics, training courses offered by FT Group Management School Development Programs and postgraduate studies in management and marketing. He holds an Associate PM certification supported by MT&DC, TQM and SixSigma training. A practitioner, he is an experienced leader yes within organization development, change management or working with multidimensional commercial structures. Privately, he enjoys sharing his knowledge by conducting trainings and lectures at several universities in the country and is passionate about martial arts.

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Mateusz Godecki - (AML) - Member of the Management Board

Mateusz Godecki has over 18 years of experience in the FinTech and eCommerce market. He specializes in comprehensive services for National Payment Institutions and companies related to the Fintech market. Since September 2018, he has been associated with Centrum Rozliczeń Elektronicznych Polskie ePłatności. Initially, he cooperated with PeP as a Legal Adviser, and then the Head of the Legal Department of the Capital Group, which includes the following companies: Centrum Rozliczeń Elektronicznych Polskie ePłatności, BillBird, Polskie ePłatności (former PayLane), TopCard. Mateusz Godecki's team is responsible for comprehensive legal and regulatory services for all companies of the PEP Group. His successes include co-conducting and then obtaining by PayLane the status of the so-called Affiliate / Associate at Visa and MasterCard Card Association, obtaining and concluding an agreement with the so-called Sponsor Bank in Visa and MasterCard Payment Organizations (the so-called Sponsored Bank), or comprehensive preparation of the PEP Group in the Vendor Due Diligence process in the process of taking over the PeP Group by the Nets Group. Participation in the process of obtaining a permit from the Polish Financial Supervision Authority for the purchase of the National Payment Institution - BillBird, is also an implementation coordinated by Mateusz Godecki's team. His career began in 2006 at the Baker McKenzie Law Firm. Then, in the years 2006 - 2018, he cooperated with eCard, one of the leaders on the Polish market in the field of online payments. From 2014, he also worked in the Capital Partners brokerage house, where he focused on legal services and compliance for subsidiaries: Dom Maklerski Capital Partners S.A. and TFI Capital Partners S.A. as Head of Legal and Compliance Officer.

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Rafał Merk - Member of the Management Board

Rafał Merk has been Vice President of the Management Board of Polskie ePłatności S.A. since June 2022. He gained his extensive knowledge useful in the FinTech industry, among others, as CEO of Daimler Mobility / Athlon Lease Polska (the FinTech arm of Daimler Group), one of the leading providers of vehicle leasing and financing and fleet management services in Europe. From 2021 to 2017, as CFO for Central Europe, he was associated with De Lage Landen (Rabobank Group), a global company offering asset-based financing solutions in the agriculture, food, healthcare, technology, construction, transportation and industrial sectors. Prior to that, from 2007 to 2011, he built his career as CFO and Member of the Executive Board at ING Group, which offers a full range of asset-based financial products, to become CFO and Chief Operating Officer for factoring and supply chain finance at the Dutch branch of ING Commercial Bank NV in Amsterdam from 2011 to 2012. He began his career in finance with AVIVA Poland, where he worked as Financial Process Manager from 2002 to 2007. Rafal Merk's extensive knowledge will certainly bring great added value, and will be used to optimize and improve the company's financial management,

Expand description

Żaklina Pawlak-Iwińska - Member of the Management Board

Żaklina Pawlak Iwińska was associated with Polish ePayments practically from the very beginning of the establishment of the company. In February 2019, she took the position of Vice President of HR, and since the end of 2019 she is a Member of the Supervisory Board of BillBird S.A. (a member of the Polish ePayments group). In the years 2011-2019 she was the HR Department Director. She gained her experience in the field of human resources management in 2010-2016 as HR Director at OPTeam S.A. She devoted the years 2007-2010 to work and gaining experience at the Rzeszów Hospital of the Ministry of Interior and Administration, as the head of the human resources department. A graduate of the University of Rzeszów in the field of sociology and history, with additional diplomas in human resources management, competence management, labor law and health and safety at work. She uses her significant experience to support the development of one of the fastest growing companies in the field of non-cash payments in Poland. She shares her knowledge and passion by participating as a speaker and expert in numerous conferences and seminars within the Podkarpacki HR Club. In her free time, she loves big and small travel, as well as modern methods of personal development of employees. Her outdoor activities are related to her passion for flowers and gardening.

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Team4U sp. z o.o. as of 2022 is part of the PeP Group and a subsidiary of Centrum Rozliczeń Elektronicznych Polskie ePłatności S.A., in which PeP has a 75% stake in the share capital. Team4U sp. z o.o. is the owner of a mobile application for retail outlets known as Simapka. The company primarily offers an application to support distribution and sales processes. It is a functional and easy-to-use mobile application for retail outlets. The company provides products that increase the range of services and attractiveness of stores, as well as earn additional remuneration. It has gathered around it a team of specialists with knowledge and experience in its business. Competence and relentless commitment make them comprehensively advise and matching the product or service to the needs of customers. The entry of Team4U sp. z o.o. into the PeP Group has made it possible to provide our customers with state-of-the-art technology and an even wider range of services at the terminal. We focus on comprehensive solutions based on customized value-added services.

Management

Rafał Rasmus - Chairman of the Board

Rafal has more than 20 years of experience in sales management and building sales structures. He builds his competencies based on knowledge, experience and creativity in the fields of finance, marketing, sales, negotiation or organization and management. He is a graduate of ATR in Bydgoszcz in the field of Management and Marketing and postgraduate studies in Project Management at the Warsaw School of Economics. After work hours, he loves hiking and communing with nature. He practices weekend getaways, as well as long organized trips in a RV.

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Rafał Merk - Member of the Management Board

Rafał Merk has been Vice President of the Management Board of Polskie ePłatności S.A. since June 2022. He gained his extensive knowledge useful in the FinTech industry, among others, as CEO of Daimler Mobility / Athlon Lease Polska (the FinTech arm of Daimler Group), one of the leading providers of vehicle leasing and financing and fleet management services in Europe. From 2021 to 2017, as CFO for Central Europe, he was associated with De Lage Landen (Rabobank Group), a global company offering asset-based financing solutions in the agriculture, food, healthcare, technology, construction, transportation and industrial sectors. Prior to that, from 2007 to 2011, he built his career as CFO and Member of the Executive Board at ING Group, which offers a full range of asset-based financial products, to become CFO and Chief Operating Officer for factoring and supply chain finance at the Dutch branch of ING Commercial Bank NV in Amsterdam from 2011 to 2012. He began his career in finance with AVIVA Poland, where he worked as Financial Process Manager from 2002 to 2007. Rafal Merk's extensive knowledge will certainly bring great added value, and will be used to optimize and improve the company's financial management,

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