About ITCARD

We are the Polish leader in processing ATM and electronic payment transactions for banks and financial institutions.


  • 7 074 ATM AND REC
  • 89 502 POS
  • 12 milion 3D Secure CARDS
  • 1.5 milion CARDS
  • 670 milion TRANSACTIONS PER YEAR

Data as at the end of 2021

We offer modern solutions in the area of payment services, cards and ATMs.

On the basis of approvals granted by such payment organisations as Third-Party Servicers, we provide outsourcing services in the processing and handling of payments for banks and financial institutions in the area of online internet transactions, ATMs, cash deposit machines, payment terminals, payment applications, payment cards, 3D Secure authorisations, Dynamic Currency Change and mobile applications.   We enable businesses and consumers to withdraw and deposit cash at ATMs, process payments at payment terminals, make online 3D Secure ACS transactions and make payments using mobile applications.   The ITCARD Group operates its own network of Planet Cash ATMs and Planet Pay POS terminals.   The Group also performs its services and operations in Croatia and the Czech Republic.

Data as at the end of 2021

Our brands

  • Planet Pay

    A national payment institution providing POS, e-commerce and card payment services for the most popular payment methods, such as credit cards, BLIK, Gpay and Apple Pay.

    Check out
    Logo Planet Cash
  • Planet Cash

    An independent and the fastest growing network of ATMs and deposit machines in Poland.

    Check out
    Logo Planet Cash
  • Planet Mobile

    The infrastructure and service of secure mobile payments within our dedicated application.

    Logo Planet Mobile
  • Smoopay

    An application based on our own payment scheme that allows the handling of modern payments.

    Check out
    Smoopay Logo

Awards & approvals

  • Odznaka

    National Payment Institution

    Planet Pay Company, part of the ITCARD Group, holds a valid licence from the National Payment Institution and is subject to strict supervision of the Polish Financial Supervision Authority.

  • Odznaka

    Licensed Principal Member in the Visa organisation

    Holding a Principal Member license, we are authorised to issue payment cards: debit, credit and prepaid, both physical and virtual.

  • Odznaka

    Visa strategic partner

    Under the “Fintech in a box” program, thanks to which fintechs can issue cards

    and offer modern payment solutions to their clients.

  • Odznaka

    3DS Service provider ACS, Third- Party Services - PIN PCI

    For outsourcing services, payment processing

    services, payment processing and handling, internet on-line transactions, ATMs, POS payment terminals, payment applications, cards, 3DS transactions, DCC transactions and mobile applications.

  • Odznaka

    Approval of the President of the NBP (National Bank of Poland) to operate the Smoopay payment system

    We have our own Smoopay payment scheme.

  • Odznaka

    Mastercard Data Integrity Award 2015-2019 Regional Compliance

    Awarded by Mastercard

    for adhering to the highest standards

    in the transmission of transaction data and its integrity.

    The award is presented to 5 clearing agents each year.

Our values

  • Speed and Focus

    We value agility, focus on ITCARD’s key initiatives, the ability to plan and prioritise, and a sense of full ownership of the topics undertaken.

  • Value Generation

    We appreciate the ability to share the competencies, values and experience brought to ITCARD. We are keen to promote activities that build value for our organisation and its clients.

  • Cooperation works

    We believe that you can never do much alone, but a good team can do a lot. That is why we value proactivity in both thought and action, encouraging involvement in business development.

Management Board composition

  • Jarosław Chrzanowski

    Jarosław Chrzanowski

    Chairman of the Management Board

    Chairman of the Management Board of ITCARD, Chairman of the Management Board of Planet Pay, CEO of the ITCARD Group. Creator of the Planet Cash ATM network and the Planet Pay POS terminal network.

    Since 2009 CEO of ITCARD S.A., CEO of Planet Pay Sp. z o.o. (07/2014) CEO of ITCARD Group (01/2017).

    Associated with the payment industry for 30 years, creator of the Planet Cash ATM network and Planet Pay POS terminal network. In 2009, he started a project to establish the ITCARD S.A. Payment Technology Centre, which after 10 years became the largest Polish outsourcer and operator of ATMs for banks and financial institutions, while handling POS payment terminals, payment cards, online payments and mobile payments. Before becoming President of the Management Board of ITCARD S.A., he worked for Kredyt Bank and the largest Belgian financial and insurance group KBC for over 12 years. He held the position of Executive Director of the Electronic Banking and Group Payments Division in Kredyt Bank. At KBC Group Payment, he was responsible for the strategy and domestic management of the payments and payment operations area: payment cards, POS, ATMs, credit cards, domestic and international payments, cash processing, electronic banking, deposit products, accounts and international cash management. He was Chairman of the Operational Risk Committee and responsible for innovation, transformation and outsourcing projects. W latach 2004 – 2009 pełnił funkcję Członka Rady Nadzorczej Krajowej Izby Rozliczeniowej S.A., był Członkiem Zespołu Krajowego organizacji VISA Polska. From 2004 to 2009, he was a Member of the Supervisory Board of Krajowa Izba Rozliczeniowa S.A. and a member of the Country Team of VISA Polska. Graduate of the Warsaw School of Economics (SGH) in the field of Management and Consulting Techniques.

  • Adam Matyaszek

    Adam Matyaszek

    Vice-Chairman of the Management Board

    Since 2016 in ITCARD. He has been involved in sales of new technologies and services for business for 22 years.

    Graduate of the Wyższa Szkoła Biznesu – National Louis University in Nowy Sącz at the Faculty of Marketing and Management in Strategic Management and HR. He has been involved in the sales of new technologies and services for business for 22 years. From 1996 to 2001, he worked in the FMCG sector, among others in Pepsi Co., DANONE and Glaxo Wellcome. From 2001-2016, he worked for Wincor Nixdorf Polska where, from 2008, he was a Member of the Management Board and Head of the Banking Division responsible for sales in Poland and Ukraine. In 2002, within the cooperation with Wincor Nixdorf Polska, he was responsible for the implementation of a new business concept for banks – deposit machines. It was the first such project in Europe, and its successful implementation and business model served as a reference for the American Wells Fargo. Since 2016 – Vice President of the Management Board in the company IT Card Centrum Technologii Płatniczych S.A.

  • Michał Janik

    Michał Janik

    Vice-Chairman of the Management Board

    In ITCARD since 2018. For 15 years associated with the banking sector, where he created and developed the area of Transaction Banking.

    For 15 years associated with the banking sector, where he created and developed the area of Transaction Banking. He started his professional career in SHL Hypotheken Bank in Germany, then he worked for Raiffeisen Bank and mBank. From 2007 to 2009, Deputy Head of Business Development Department at mBank, where he was responsible for the development and management of Corporate Banking products: payment, liquidity, investment, accounts and credit products. Since 2009 Head of Office / Deputy Head of Transaction Banking Department of mBank, responsible for the management of the Transaction Banking product offering,among other things current accounts, escrow accounts, custody accounts, cash pools, cross-border solutions, term deposits, payment cards, cash management as well as foreign and domestic payments, receivables collection and identification products. He was responsible for the implementation of innovative and strategic projects for Corporate Banking in the field of new technologies. As of December 2019 – Vice President of the Management Board of ITCARD.

    Graduated with a Master’s degree in Finance and Banking, as well as postgraduate studies in Integration and Project Management at the Warsaw School of Economics. He also studied at the Christian Albrecht University in Germany. He has participated in extensive management training, including completing the Manager Program organised by GFK “Executive Program in Strategy and Organisation” at Stanford University and the “Executive Academy” at the University of Vienna.

  • Jarosław Chrzanowski

    Since 2009 CEO of ITCARD S.A., CEO of Planet Pay Sp. z o.o. (07/2014) CEO of ITCARD Group (01/2017).

    Associated with the payment industry for 30 years, creator of the Planet Cash ATM network and Planet Pay POS terminal network. In 2009, he started a project to establish the ITCARD S.A. Payment Technology Centre, which after 10 years became the largest Polish outsourcer and operator of ATMs for banks and financial institutions, while handling POS payment terminals, payment cards, online payments and mobile payments. Before becoming President of the Management Board of ITCARD S.A., he worked for Kredyt Bank and the largest Belgian financial and insurance group KBC for over 12 years. He held the position of Executive Director of the Electronic Banking and Group Payments Division in Kredyt Bank. At KBC Group Payment, he was responsible for the strategy and domestic management of the payments and payment operations area: payment cards, POS, ATMs, credit cards, domestic and international payments, cash processing, electronic banking, deposit products, accounts and international cash management. He was Chairman of the Operational Risk Committee and responsible for innovation, transformation and outsourcing projects. W latach 2004 – 2009 pełnił funkcję Członka Rady Nadzorczej Krajowej Izby Rozliczeniowej S.A., był Członkiem Zespołu Krajowego organizacji VISA Polska. From 2004 to 2009, he was a Member of the Supervisory Board of Krajowa Izba Rozliczeniowa S.A. and a member of the Country Team of VISA Polska. Graduate of the Warsaw School of Economics (SGH) in the field of Management and Consulting Techniques.

  • Adam Matyaszek

    Graduate of the Wyższa Szkoła Biznesu – National Louis University in Nowy Sącz at the Faculty of Marketing and Management in Strategic Management and HR. He has been involved in the sales of new technologies and services for business for 22 years. From 1996 to 2001, he worked in the FMCG sector, among others in Pepsi Co., DANONE and Glaxo Wellcome. From 2001-2016, he worked for Wincor Nixdorf Polska where, from 2008, he was a Member of the Management Board and Head of the Banking Division responsible for sales in Poland and Ukraine. In 2002, within the cooperation with Wincor Nixdorf Polska, he was responsible for the implementation of a new business concept for banks – deposit machines. It was the first such project in Europe, and its successful implementation and business model served as a reference for the American Wells Fargo. Since 2016 – Vice President of the Management Board in the company IT Card Centrum Technologii Płatniczych S.A.

  • Michał Janik

    For 15 years associated with the banking sector, where he created and developed the area of Transaction Banking. He started his professional career in SHL Hypotheken Bank in Germany, then he worked for Raiffeisen Bank and mBank. From 2007 to 2009, Deputy Head of Business Development Department at mBank, where he was responsible for the development and management of Corporate Banking products: payment, liquidity, investment, accounts and credit products. Since 2009 Head of Office / Deputy Head of Transaction Banking Department of mBank, responsible for the management of the Transaction Banking product offering,among other things current accounts, escrow accounts, custody accounts, cash pools, cross-border solutions, term deposits, payment cards, cash management as well as foreign and domestic payments, receivables collection and identification products. He was responsible for the implementation of innovative and strategic projects for Corporate Banking in the field of new technologies. As of December 2019 – Vice President of the Management Board of ITCARD.

    Graduated with a Master’s degree in Finance and Banking, as well as postgraduate studies in Integration and Project Management at the Warsaw School of Economics. He also studied at the Christian Albrecht University in Germany. He has participated in extensive management training, including completing the Manager Program organised by GFK “Executive Program in Strategy and Organisation” at Stanford University and the “Executive Academy” at the University of Vienna.


Supervisory Board

  • Łucja Sulej

    Chairman of the
    Supervisory Board

  • Krzysztof Domosławski

    Vice-Chairman of the
    Supervisory Board

  • Sławomir Ziółek

    Supervisory
    Board Member

  • Irena Kopik

    Supervisory
    Board Member

  • Krystyna Wilk – Koncewicz

    Supervisory
    Board Member

  • Rafał Ziętek

    Supervisory
    Board Member


Our history

    • ITCARD Payment Service Centre project
    • PCI DSS, Visa, Mastercard certification for ATM service
    • Start of ATM service
    • PCI DSS, Visa and Mastercard certification for POS
    • First ATM in ITCARD systems
    • First payment terminal
    • Construction of own payment terminals and ATM network
    • Planet cash4you ATM service
    • Visa, Mastercard, PCI DSS certification for payment cards
    • Building of POS network for ISO
    • First card issued by ITCARD
    • Migration of BPS bank cards
    • Recyclers
    • ITCARD is the third-largest ATM service centre in Poland
    • First ATM in our own Planet Cash network
    • 3D Secure service for online payments
    • First terminals in our own Planet Pay network
    • ATM outsourcing for BNP
    • DCC certification
    • ITCARD is the second largest ATM service centre in Poland
    • ATM outsourcing for ING
    • Planet Cash in ING branches
    • Planet Plus online shopping platform
    • Launching DCC
    • Implementation of BLIK for ATMs
    • Processing of contactless transactions in ATMs
    • Obtaining KIP license
    • Implementation of POS for the courier industry
    • Implementation of recyclers in the Planet Cash network
    • Planet Mobile payment application
    • Planet Cash in mBank branches
    • Planet Cash in Getin Bank branches
    • Launch of activities abroad: UK and Croatia
    • Recycler networks for 3 commercial banks
    • Launch of BLIK transactions for POS
    • Installation of Planet Cash ATMs in Croatia
    • Google Pay service
    • Creation of the Planet Cash company in the Czech Republic
    • Planet Pay licenses: Visa Associate and Mastercard Affiliate
    • First ATMs in the Czech Republic
    • Migration of SKOK cards
    • POS migration from ING
    • Finalisation of the recycler project at ING, BNP, Getin, mBank
    • Visa Fintech in a Box strategic partnership
    • Card issuance for Fintech
    • ING night drop boxes
    • mPOS implementation
  • 2010
  • 2011
  • 2012
  • 2013
  • 2014
  • 2015
  • 2016
  • 2017
  • 2018
  • 2019
  • 2020
  • MAIN HEAD OFFICE

    Jutrzenki 139
    02-231 Warsaw

  • NETWORK MANAGEMENT
    AND DEVELOPMENT ATM

    Award Business Park
    Zwycięska 43, 53-033 Wrocław

  • CONTACT CENTRE

    ul. Szosa Zambrowska 100
    18-400 Łomża