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Shoper provides PragmaPay - merchants gain access to fast online deferred and installment payments
PragmaPay - deferred and installment payments for businesses is a response to the needs of entrepreneurs. From now on, companies running stores on Shoper - one of the largest full-service SaaS e-commerce technology companies in Poland - can make this payment method available in a very simple way, giving nearly 3 million potential business customers access to financing company purchases.
PragmaPay is a BNPL (Buy Now, Pay Later), designed for micro, small and medium-sized businesses:
- Defer payment by 14, 30 or 60 days or
- Spreading it into 3, 6, 9 or 12 installments,
- financing limit of up to PLN 50,000,
- Financing decision in 90 seconds,
- Simple and convenient process - decision, agreement and financing 100% online,
- Financing both services and goods or fixed assets.
PragmaPay stimulates small businesses to grow and acts as a financial cushion. It allows you to catch market opportunities, increase your margin and not give up on orders just because you are temporarily short of startup cash. It's transparent financing - the contract is simple and the costs are fixed, transparent and independent of interest rate changes. By partnering with Shoper , we are fulfilling our mission - to level the playing field in access to capital for micro and small businesses. PragmaPay benefits both sides of the transaction - both the buyer and seller on the Shoper platform gain," says Danuta Czapeczko, Vice President of PragmaGO.
Online stores providing PragmaPay can count on:
- Increasing the value of the basket by up to 60%,
- Higher conversion rate (by up to 40%),
- Fewer abandoned shopping carts - lack of payment methods for businesses is the main reason 29% of B2B customers abandon purchases,
- Quick payment of funds for sales,
- No risk of customer insolvency.
E-commerce for businesses is an important area for us. Thousands of Polish e-commerce stores sell goods to other businesses expecting the same convenient shopping financing methods available to consumers. Through direct integration with PragmaPay, our clients can offer a unique shopping experience for any business that has a need for fast and flexible financing. This opens up many new opportunities for sales, but also for greater customer loyalty using the services of a proven partner like PragmaGO ," adds Lukasz Piechowiak, director of logistics and payments at Shoper.
Implementation of PragmaPay in Shoper store is fast and convenient. All you need to do is select PragmaPay in the "Applications" tab and sign an online cooperation agreement. Merchant can configure payment options and even the appearance of the process for the customer.
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Shoper Group - a leading provider of e-commerce solutions in Poland, offering a comprehensive ecosystem for online sales. Shoper 's flagship SaaS platform provides tools for launching, managing and scaling e-commerce stores, used by Gym Glamour, WK Dzik and Doppelherz, among others. The group also includes Apilo (multi-channel sales management), Sempire (SEO/SEM, AI, GEO) and Selium (marketplace experts). Listed on the WSE since 2021, it has strategically partnered with cyber_Folks (49.9% stake) since January 2025. Focuses on e-commerce automation, supporting entrepreneurs to grow.
PragmaGO Capital Group (pragmago.pl) - has been operating in the SME financing industry since 1996. The Group is now a leading Polish fintechem, built on 28 years of experience in working with SME clients. In 2021, Polish Enterprise Funds SCA became the majority shareholder of PragmaGO SA. PragmaGO Group's members include:
- PragmaGO S.A.: Parent company and financial institution that provides financing to clients,
- PragmaGO.tech: technology provider - a team of more than 40 developers and UX/UI specialists,
- Monevia sp. z o.o.: a market leader in the financing of single sales invoices (invoice discounting),
- Telecredit IFN S.A. (Omnicredit): a Romanian fintech specializing in digital factoring.
