Invest in Pago

2,215,000

/ 2,215,000€ 🎉

check

1,000,000€

check

1,500,000€

EN

Your investment in smart payments

The Romanian app where 500,000 Romanians pay their utility bills quickly and securely to over 430 utility providers every month.

Do you want to invest in Pago?

Thank you for your interest 🙏The current funding round is closed. Leave us your contact details and we'll let you know when we have news for you.

Complete form
user

+500,000

Monthly users

plati

+30,000,000

Payments processed

money

+900m

Euro processed

wave
facturi

Household bills

reincarcare

Top-up SIM cards

masina

RCA (MTPL car insurance)

avion

Travel insurance

pod

Vignettes and bridge tolls

transfer

Instant money transfers

taxe

Taxes

invest

Discover how you can triple your investment in the coming years

Support Pago through SeedBlink, the Romanian investment platform that has funded FLOWX.AI, DRUID & .lumen.

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Where we are now

  • check

    Products used by hundreds of thousands of users

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    Stable financial situation

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    International expansion

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    Motivated and mature team

vision

What we aim for

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    Exponential growth through integrations with apps used by millions

  • check

    Replicating our success from Romania in 5 other countries

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    3x our revenue in the coming years

path

Our destination

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    Growing the company's value to 65-70m EUR

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    Listing on the Bucharest Stock Exchange

  • or

  • check

    Selling to a strategic investor

Financial situation

Pago reached the break-even point in 2024, with projections indicating a profit by the end of the year.
For more details, click on the interactive charts below.

Total revenues

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Represents operating revenues plus revenues from top-ups, toll vignettes, and bridge tolls. It does not include the value of other processed payments, such as bill or insurance payments, which are recorded separately.

(millions of Euro)

2.65
3.07
4.5
5.33
6.22
8.54
11.4

Operational revenues

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The revenues generated by Pago from its core operations, after deducting the direct expenses incurred to generate these revenues, such as payment processing costs.

(millions of Euro)

0.8
0.91
1.25
1.89
2.75
4.87
7.49

EBITDA

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EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) is a financial indicator that shows a company's profit before deducting interest, taxes, depreciation and amortisation.

(millions of Euro)

0.23
-0.04
0.06
0.33
0.68
2.16
3.95

Paying users

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The number of users who made at least one payment in that respective year.

(thousands)

205
378
487
607
1580
2827
3785

Processed payments

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The total value of all payments processed for users each year.

(millions)

4.12
5.62
7.26
9.05
19.55
38.54
55.94

Value of processed payments

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The total value of all payments processed for users each year.

(millions of Euro)

118
181
243
304
621
1176
1834

We grow through partnerships

Pago white label solutions streamline bill payments, RCA (car insurance) and prepay services within our partners' apps.
Through a revenue sharing model, their users also become ours. We are currently developing 5 new integrations, which will expand our financial services reach to over 6 million phones in Romania within the next 24 months.

BT Pay George Engie amparcat.ro Banking Ecommerce Carduri Polite auto
Arrows
Facturi
RCA
Prepay
Facturi
RCA
Prepay

Growing internationally

We are already active in Romania, Italy and Poland and we plan to expand to Czechia, Slovakia, and Hungary.

rocket globe wallet

Invest now!

The round can close at any time after reaching the target.

Private round

scissor

Early bird

15% Discount

grow

Minimum ticket

1000 Euro

target

Better chances to

Become an investor

users

For users

Pago

user-closed

Closed circle

SeedBlink

Funding round closed

Public round

discount

Late bird

No Discount

grow-1

Minimum ticket

2500 Euro

forbidden

After reaching the target

The campaign closes

How can I invest in Pago?

Investment in Pago can be made through the SeedBlink platform.

Here are the steps:

1

Create an account and validate your identity

2

Complete a short questionnaire about your investment history

3

Confirm your intention to invest in Pago

4

You will receive the contract from SeedBlink and have 4 days to sign it

5

Transfer the investment amount to SeedBlink

FAQ

What is SeedBlink?

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SeedBlink is an European platform that provides individuals and institutions with the opportunity to invest in tech startups and scale-ups alongside venture capital firms.

To date, SeedBlink has facilitated investment rounds for hundreds of businesses, with a total capital injection exceeding €342M.

What amounts can I invest and until when?

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The minimum investment amount is 1,000 EUR in the private round and 2,500 EUR in the public round. There is no set maximum amount, and each investor is free to decide on the amount they wish to invest in Pago.

The private round will close on 22.10.2024.

How can I exit if I decide to invest?

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For us, the ideal scenario is an exit through listing on the Bucharest Stock Exchange (BVB) in the next 3-5 years. We are also open to the possibility of an M&A with a strategic partner if it brings a good ROI for our shareholders.
Additionally, SeedBlink offers a secondary market where you can sell the shares purchased through the campaign to other investors within the SeedBlink community.

If I invest, will I become a shareholder in Pago?

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Your shares in Pago will be held through SeedBlink, which will act as the Nominee.

A Nominee is a legal entity with distinct and separate rights, similar to an individual or a corporation. In a Nominee arrangement, the beneficiary (you, as the investor) grants another party, called the nominee, the right to hold the title and manage the property or assets. This way, we have a Beneficiary (you) and a Nominee (SeedBlink), who legally holds the shares or assets.
This system provides a simple yet secure way to invest, as a Nominee like SeedBlink is authorised by the National Bank of Romania (BNR) to operate and adheres to strict rules of conduct and procedure.

In accordance with the terms of the investment contract, SeedBlink is obliged to provide you with the following:

  • Information about the company’s progress
  • Details about shareholder voting rounds and how you can exercise your voting rights
  • All profits earned from an exit

Where can I find more details about the company and the investment opportunity?

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Watch the pitch video and check out the campaign page on SeedBlink for complete details.