## 1. What cookies are

Cookies are small text files stored on your device when you use finowo.finance and the Finowo platform (the "Service"). We also use similar technologies (local storage, pixels, session identifiers).

The controller of personal data processed via cookies is:

**FINOWO sp. z o.o.**  
Żurawia 6/12 lok. 745, 00-503 Warszawa, Poland  
KRS: 0001183467 · NIP: 7011269175 · REGON: 542227920  
Email: privacy@finowo.finance

---

## 2. Legal basis

| Cookie category | Legal basis |
|---|---|
| **Strictly necessary** | Art. 6(1)(f) GDPR (legitimate interest — operating and securing the site); Polish Telecommunications Law Art. 173 — cookies necessary to provide the service |
| **Functional** | Art. 6(1)(f) GDPR / consent where they go beyond technical minimum |
| **Analytics** | Consent (Art. 6(1)(a) GDPR) |
| **Marketing** | Consent (Art. 6(1)(a) GDPR) |

You give consent to non-essential cookies via the cookie banner. You may withdraw consent at any time in cookie settings.

---

## 3. Cookies we use

| Category | Purpose | Examples | Retention |
|---|---|---|---|
| **Strictly necessary** | Session, authentication, security, consent preferences | Session ID, CSRF token, cookie consent record | Session or up to 12 months |
| **Functional** | UI language, display preferences | Locale, theme | Up to 12 months |
| **Analytics** | Aggregated traffic and usage metrics (no data sales) | Anonymous / pseudonymous IDs | Up to 24 months |
| **Marketing** | Campaign measurement and retargeting on finowo.finance only | Ad identifiers (if enabled) | Up to 12 months |

We do not sell cookie data. Marketing cookies, when enabled, are used only to improve Finowo communications effectiveness.

---

## 4. Managing cookies

You can manage preferences via:

1. **Cookie banner** — on first visit and later via the settings link in the footer
2. **Browser settings** — block or delete cookies in your browser
3. **Email** — privacy@finowo.finance for data-related requests

Disabling necessary cookies may prevent login or correct operation of the Service. Disabling analytics and marketing cookies does not affect core features.

---

## 5. Transfers and third parties

Analytics and marketing cookies may be operated by processors established in the EEA or — where a transfer is outside the EEA — under an adequacy decision or Standard Contractual Clauses (see our [Privacy Policy](/legal/privacy)).

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## 6. Your rights

To the extent cookies process personal data, you have the GDPR rights described in our [Privacy Policy](/legal/privacy), including access, erasure, objection, and the right to lodge a complaint with the UODO.

---

## 7. Changes

We may update this Cookie Policy. The "Last updated" date at the top of this page reflects the latest version. Material changes will be announced via the cookie banner or by email where required.

---

## 8. Contact

**FINOWO sp. z o.o.**  
privacy@finowo.finance  
Żurawia 6/12 lok. 745, 00-503 Warszawa, Poland  
KRS: 0001183467


Finowo develops technology solutions supporting payment processes, based on modern API-first architecture and regulatory expertise in the payment services market. We are preparing infrastructure enabling integration of payment functions with enterprise systems and digital platforms.

Payment infrastructure for

the Polish market.

API-first, always

Compliance is table stakes

One source of truth

Polish market expertise, European standards

Engineering

Compliance

Operations

A detailed comparison of Finowo and {competitor} for multi-channel commerce operators. Channel coverage, VAT support, shipping integrations, and pricing.

How does Finowo compare to {competitor}? See features, channels, and EU compliance side by side.

Finowo vs {competitor} — Commerce OS Comparison

Finowo vs {competitor}

Not a separate tool. Not a quarterly project. Compliance runs on every transaction, every counterparty, every day.

AML Screening

GIIF Transaction Reporting

Real-time sanctions list and PEP screening on every counterparty. Risk scoring with configurable thresholds and escalation rules. Full screening history retained for audit.

AML screening on every transaction

Transaction reports generated and submitted to the GIIF system per Polish AML Act. Threshold alerts for transactions above €15,000. Full audit trail retained for 5 years.

GIIF reporting, fully automated

Every transaction scored against velocity, amount and network rules. Suspicious patterns flagged in real time and routed to your compliance team for review.

Transaction monitoring in real time

Finowo for domestic transfers

If you need to execute domestic transfers alongside compliance checks, Finowo Transfers runs on the same account, same API keys, same dashboard.

One integration for both payments and regulatory compliance.

Transfers and compliance, one integration.

Start with KYC checks in sandbox. Add AML screening and GIIF reporting when ready. Same API, same dashboard.

Automate compliance before your next audit.

Verify identities, screen transactions and file regulatory reports without spreadsheets, manual reviews or third-party connectors.

KYC, AML, GIIF.

Automated.

GIIF reporting used to mean a spreadsheet and a long night at quarter-end. Now it runs automatically. Our compliance officer actually takes holidays.

Marek S.

KYC verification went from 3 days to 8 seconds. We onboard new counterparties without a single manual document check.

Joanna L.

Transaction monitoring flagged a suspicious pattern we would have missed for months. The alert came in real time, with full context.

Tomasz B.

Identity verification for individuals and businesses through a single API call. Document parsing, sanctions list matching and PEP screening — all before the first transaction.

KYC and KYB in seconds, not days

Every transaction scored against velocity, amount and network rules. Suspicious patterns flagged in real time, not discovered in a quarterly audit.

Transaction monitoring that thinks in patterns

GIIF reports filed automatically

We use cookies and similar technologies to improve your experience, analyze site traffic, and personalize content. By clicking "Accept", you consent to our use of cookies for analytics and performance tracking.

Cookie Consent

Discuss how Finowo can support your payment needs with a personalized consultation tailored to your business.

Schedule a meeting

Have a question, partnership idea, or press request? We typically reply within 1 business day.

General inquiries

Let's talk

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KYC, AML screening, GIIF reporting — automated

Express Elixir, Sorbnet, BLIK, SEPA — one API

We've received your inquiry and will get back to you shortly at {email}. Our team typically responds within 24 hours.

Thank You

Talk to our team about your requirements. No sales pitch, real conversation.

Request a Demo

Get API keys in minutes. Talk to our team about volume pricing and custom compliance rules.

Ready to integrate payments?

Accept, send and reconcile domestic transfers through a single API. KYC, AML screening and GIIF reporting built in — not bolted on.

Payment infrastructure for Polish businesses

Webhooks, sandbox environment and full documentation. Accept incoming payments and execute outgoing transfers from a single endpoint.

RESTful API for payment integration into any system.

Use our dashboard for direct transfers, or integrate our API into your existing product.

Two ways to use Finowo

Express Elixir, Sorbnet, BLIK and standard SEPA — one integration, one dashboard. Track every transaction from initiation to confirmation.

Send and receive domestic transfers in real time.

Finowo operates under Polish and EU financial regulations. Compliance is not an add-on — it is part of every transaction.

Automated transaction reports to the General Inspector of Financial Information (GIIF) per the Ustawa o przeciwdziałaniu praniu pieniędzy oraz finansowaniu terroryzmu.

AML Act (GIIF Reporting)

Structured invoicing through the Krajowy System e-Faktur. Mandatory for large companies since February 2026, and for all Polish VAT payers from January 2027. Penalties of up to 100% VAT apply for non-compliance.

KSeF Compliance

Counterparty identity verification with sanctions and PEP screening before the first transfer. Real-time risk scoring and automated suspicious-transaction reporting.

KYC & Transaction Monitoring

Operating in compliance with the Ustawa o usługach płatniczych (implementing PSD2). Supervised by the Polish Financial Supervision Authority (KNF).

Polish Payment Services Act

Compliance built into the platform

All data at rest and in transit is encrypted with AES-256, the same standard used by banks and government institutions.

AES-256 Encryption

Every transaction, login and configuration change is logged and retained for 5 years per the Polish AML Act. Role-based permissions with scoped API keys.

Audit Trail & Access Control

All data processing occurs in EU-based infrastructure. No data leaves European jurisdiction at any point.

EU Data Centers

Automatic biała lista checks on payment day, bank-detail-change alerts with cooling-off, new-payee callbacks and duplicate invoice detection. We verify what KSeF does not.

Fraud Prevention

User funds are safeguarded in segregated bank accounts, separate from operational funds, in accordance with the Polish Payment Services Act.

Fund Protection

Full compliance with EU GDPR and the Polish Personal Data Protection Act. Supervised by UODO. DPA available for all customers.

GDPR / RODO Compliance

AES-256 encryption.

EU data centers. GDPR compliant.

A side-by-side comparison of Finowo and {competitor} for restaurant operators. Feature parity, pricing, fiscal compliance, and migration support — all in one place.

How does Finowo compare to {competitor}? See features, pricing, and compliance side by side.

Finowo vs {competitor} — Restaurant POS Comparison

Every counterparty screened, every transaction monitored, every report filed — automatically.

GIIF Reporting

Counterparty Verification

Transaction reports generated and submitted to the GIIF system automatically. Threshold alerts for transactions above €15,000. Full audit trail retained for 5 years.

GIIF reporting, automated

Every counterparty verified before the first transfer. Identity checks, document parsing and sanctions screening — all automated, all logged.

KYC & KYB verification, built in

Finowo for compliance automation

If you need automated compliance checks alongside transfers, Finowo Compliance runs on the same account, same API keys, same dashboard.

One integration, one bill, one audit trail for both payments and compliance.

KYC, AML and GIIF reporting — same platform.

Get API keys instantly. Test in sandbox, then go live. No setup fees, no minimum volume.

Send your first transfer today.

Move money between

bank accounts. Same day.

We replaced three banking portals with one Finowo dashboard. Reconciliation that used to take two days now runs in twenty minutes.

Kamil W.

Express Elixir integration took one afternoon. Our customers see confirmation before they close the browser tab.

Anna K.

BLIK payments through Finowo — same API, same webhooks, same dashboard as bank transfers. One integration, two payment methods.

Piotr Z.

Accept BLIK payments from 16+ million Polish users. Customers confirm in their banking app, you get instant settlement.

Code payments

Instant confirmation

Refund support

Transaction logs

BLIK

Instant domestic transfers between Polish banks. Funds arrive in seconds, 24/7 — including weekends and holidays.

Real-time settlement

24/7 availability

Batch processing

Status webhooks

Express Elixir

Send and receive SEPA Credit Transfer and SEPA Instant across the SEPA zone. One integration for 36 countries.

SCT & SCT Inst

IBAN validation

Multi-currency

Cross-border tracking

SEPA Transfers

Same-day settlement for high-value PLN transfers through SORBNET2, the real-time gross settlement system operated by Narodowy Bank Polski.

High-value support

Cutoff tracking

Priority queue

Settlement proof

Sorbnet

Express Elixir, Sorbnet, BLIK and SEPA in a single view. Filter by channel, date or counterparty — no switching between banking portals.

One dashboard for every rail

Every transfer tracked from initiation to settlement. Webhooks fire when status changes, so your system always knows the current state.

Confirmations in real time

Incoming payments auto-matched to invoices and orders. Outgoing transfers logged with counterparty details, reference numbers and fees — ready for your accountant.

Cookie category	Legal basis
Strictly necessary	Art. 6(1)(f) GDPR (legitimate interest — operating and securing the site); Polish Telecommunications Law Art. 173 — cookies necessary to provide the service
Functional	Art. 6(1)(f) GDPR / consent where they go beyond technical minimum
Analytics	Consent (Art. 6(1)(a) GDPR)
Marketing	Consent (Art. 6(1)(a) GDPR)

Category	Purpose	Examples	Retention
Strictly necessary	Session, authentication, security, consent preferences	Session ID, CSRF token, cookie consent record	Session or up to 12 months
Functional	UI language, display preferences	Locale, theme	Up to 12 months
Analytics	Aggregated traffic and usage metrics (no data sales)	Anonymous / pseudonymous IDs	Up to 24 months
Marketing	Campaign measurement and retargeting on finowo.finance only	Ad identifiers (if enabled)	Up to 12 months