Conotoxia Sp. z o.o.

We aim at dynamic development

The company is part of the Conotoxia Holding Group. It has been granted a Payment Institution license and is a member of SWIFT. The money transfer and payment services offered by Conotoxia Sp. z o.o. can be used by individual and business clients.

Management Board

The Management Board of Conotoxia Sp. z o.o. is responsible for supervising the proper functioning and development of the Conotoxia brand in Europe. It is made up of professionals with extensive experience in management. At the same time, they are IT experts. The main task of the Members of the Board is to create, develop and promote innovative solutions in the financial sector in the European Economic Area.

Robert Grzegorz Gorny

President of the Management Board

Marcin Pioro

Member of the Management Board


The most important events for the company:

Nov 20, 2023 AM

How not to fall victim to the Black Friday trap? Conotoxia's special offer for multi-currency cards

Bargains, discounts - these buzzwords can become extra important in an era of heightened inflation. Before the culminating wave of Black Week sales arrives, it is worth knowing how to distinguish real bargains from apparent ones. When shopping in foreign shops, it is crucial not to be caught out by unfavourable exchange rates and currency conversion fees. To celebrate Black Friday and Cyber Monday, fintech Conotoxia has prepared a special offer, making its flagship product - a physical multi-currency card - available at a much lower price.

Nov 8, 2023 AM

2024 marks the year of global e-commerce - promising forecasts for the industry

75% of Polish e-commerce entrepreneurs sell their goods not only in Poland but also abroad, and the vast majority (72%) expect an increase in revenue in 2024 compared to 2023, according to a report by fintech company Conotoxia.

Aug 16, 2023 AM

Shortened path of online shopping in Conotoxia Pay payment system

Global fintech, Conotoxia, is once again simplifying online shopping for its customers. E-commerce shops using the Conotoxia Pay payment gateway can now pay for orders in just one simple step.

Aug 1, 2023 AM

Accept payments - a new feature at Conotoxia that makes everyday settlements much easier

Conotoxia fintech’s individual and corporate users can send other people links to pay for a joint restaurant meal, collect funds for a gift, and also, for example, tutoring or goods purchased at a market. The new service is called "Accept payments". Links can be paid for in any of 27 currencies using a wide range of payment methods.

May 23, 2023 AM

Conotoxia Launches Limited Edition "Spider-Man™: Across the Spider-Verse" cards

From May 23rd, it is possible to order Conotoxia Starter with "Spider-Man™: Across the Spider-Verse" themed card in the fintech eStore. Once registered, it becomes a multi-currency payment card.

Mar 14, 2023 AM

Conotoxia Starter: ordering cards without registering in the eStore

Global fintech Conotoxia makes ordering Conotoxia Starter with a card in its marketplace possible - without opening an account or logging in. After registration on the portal, the card included in the Conotoxia Starter in the White or Black version becomes a multi-currency payment card.

Dec 21, 2022 AM

BLIK Level 0 as a novelty at Conotoxia Pay

Conotoxia, a global fintech, has made BLIK Level 0 available in its payment gateway. The novelty allows BLIK payments to be made without leaving the online shop using Conotoxia Pay.

Dec 19, 2022 AM

Conotoxia multi-currency card 2.0 for relatives and employees

The fintech Conotoxia launches a multi-currency card 2.0. The new product makes it possible to share cards with, for example, family members or company employees.

Jul 5, 2022 AM

Vipps at Conotoxia Pay

Conotoxia added Vipps, the most popular mobile payment method in Norway, to its in-house payment system Conotoxia Pay.

Jun 28, 2022 AM

Loan withdrawal on multi-currency card

Conotoxia users can now withdraw a loan not only to a bank account but also to Conotoxia multi-currency card. In addition, funds can already be debited automatically on the loan repayment date - from the card account or the currency wallet.

Apr 7, 2022 AM

Rapid Transfer at Conotoxia Pay

Conotoxia has made available another payment method in its own payment system, Conotoxia Pay. More than 3 thousand banks support the Rapid Transfer from Skrill.

Feb 24, 2022 AM

Business transfers through API at Conotoxia

Business users of the Conotoxia web portal can now use the transfer service integrated with their accounting system through the API.

Feb 22, 2022 AM

Vipps among payment methods at Conotoxia

Vipps, the most popular mobile payment method in Norway, is now available to users of the web portal found at It allows users to make currency exchange and money transfer transactions or deposit funds to their Forex account.

Jan 18, 2022 AM

Conotoxia brings Apple Pay to multi-currency card users

By bringing Apple Pay to Conotoxia's multi-currency card users, it is now possible to pay instantly and securely in shops, apps, and on the web using iPhone and Apple Watch devices.

Nov 8, 2021 AM

Rapid Transfer – next payment method at Conotoxia

Conotoxia has made available a new payment method: Rapid Transfer. With it, users can quickly and securely pay for their transactions using online banking details.

Nov 4, 2021 AM

Payment link at Conotoxia Pay

Conotoxia makes available the payment link service for online stores which use the Conotoxia Pay system.

Sep 28, 2021 AM

Apple Pay joins payment methods at Conotoxia Pay

Conotoxia offers Apple Pay in its in-house payment system Conotoxia Pay.

Jul 1, 2021 AM

Multi-currency cards now for EU residents

Conotoxia multi-currency cards are offered to residents of almost all European Union countries and Norway.

Jun 22, 2021 AM

Conotoxia offers another payment method: Skrill

The users of our portal or payment system Conotoxia Pay can fund, among others, currency exchange transactions, money transfers and top up their Forex accounts held at with the Skrill method.

Jun 17, 2021 AM

More payment methods for multi-currency card

Conotoxia enabled multi-currency card payments in Google Pay, Fitbit Pay and Garmin Pay.

May 5, 2021 AM

Conotoxia Pay enables payments with PayPal

Conotoxia adds PayPal - one of the most recognisable payment methods worldwide - to its own payment system, Conotoxia Pay.

Apr 7, 2021 AM

Conotoxia sends its multi-currency cards also by courier

Conotoxia enabled delivery of multi-currency cards by FedEx and DPD courier services worldwide. Portal users can also choose to deliver the card by post.

Mar 17, 2021 AM

New banks added to the list of available online transfers in Conotoxia Pay

Online transfers (Pay-By-Link) in Conotoxia Pay can be used by clients of the following 15 banks: Santander Bank Polska, ING Bank Slaski, Millennium Bank, Citi Handlowy, Getin Bank, Noble Bank, Credit Agricole, Nest Bank, Plus Bank, BOS Bank, Bank Nowy BFG, Bank Pocztowy, Envelo Bank, SGB-Bank and Cooperative Bank in Brodnica. The full list already includes 22 banks.

Mar 2, 2021 AM

JustGrab – new feature at

Conotoxia introduces a new feature - JustGrab. It enables accepting BLIK payments on a smartphone. To use the function, all you need is an account with Conotoxia and the Currency Exchange mobile app.

Dec 17, 2020 AM

Google Pay available in Conotoxia Pay

Conotoxia implements Google Pay to its own payment system Conotoxia Pay.

Nov 10, 2020 AM

Conotoxia Pay in Helios cinemas

Conotoxia has signed a deal with Helios cinema chain. After the reopening of cinemas, cinema lovers interested in buying tickets online can use Conotoxia Pay to purchase their tickets.

Oct 22, 2020 AM

PayPal at

PayPal is another convenient payment method available at Portal clients can use it to pay for currency exchange transactions, money transfers, and Forex account top-ups.

Oct 20, 2020 AM

Online transfers at

New payment method is available on web portal. Clients can exchange currency, pay for a money transfer and top up their Forex trading account through a quick online transfer from the bank.

Oct 7, 2020 AM

A multi-currency payment card from Conotoxia

A multi-currency payment card joins the offer available at It enables, among others, shopping online and in traditional stores, withdrawals from ATMs, and payments in over 160 currencies.

Jun 19, 2020 AM

Mass transfers at introduces mass transfer service for business customers, i.e. a solution that supports the execution of many transactions simultaneously. This service is convenient for companies, saves time and reduces costs.

Jun 10, 2020 AM

Visa Dankort at

Clients from Denmark can use Visa Dankort cards to pay for transactions carried out at, including currency exchange and money transfers.

May 22, 2020 AM

Apple Pay at

All customers of the portal can already use Apple Pay, a convenient payment method, which has been available for users of our mobile apps since 2018.

Jan 30, 2020 AM

BLIK — new payment method provided another payment method. Users paying for transactions in our portal can already use the convenient BLIK method.

Nov 21, 2019 AM

Trustly — a new payment method has made available another convenient payment method. Users who pay for transactions on the portal can now use the Trustly payment system.

Oct 29, 2019 AM

Conotoxia Pay upgrade has upgraded the Conotoxia Pay solution by enabling card payments. Moreover, the method can also be used by customers who do not have an account on the portal.

Oct 11, 2019 AM

Conotoxia as an Official Partner of Terminator: Dark Fate

Conotoxia is involved in the promotional campaign of the movie Terminator: Dark Fate. Our dedicated spot, promoting our services, will be played in cinemas across Poland.

Sep 30, 2019 AM

Google Pay at customers who pay for transactions or top up their currency wallet can now use another convenient payment method — Google Pay.

Sep 3, 2019 AM

Conotoxia Pay payment plugins has released ready-to-use plugins simplifying the integration of Conotoxia Pay service in online shops.

Aug 8, 2019 AM

Interac Online — new payment method at

The next convenient payment method has been added to The portal's customers who want to pay for transactions carried out in the Canadian dollar can now use the Interac Online system.

Aug 6, 2019 AM

Conotoxia Pay — New merchant panel

The web portal has made available a service dedicated to online retailers using the payment service Conotoxia Pay. New merchant panel enables automatic registration and quick integration with Conotoxia Pay.

Jul 3, 2019 AM

POLi — new payment method at

The next convenient payment method has been added to Users paying for transactions on the portal can now use the POLi system, which is widely used in Australia and New Zealand.

Jun 4, 2019 AM

New payment method

The next payment method for transactions settled in euros is now available at The EPS system has been developed by Austrian banks and is particularly popular across the country.

Apr 9, 2019 AM

Conotoxia Pay technical documentation

Technical documentation that enables integrating online stores and payment integrators with the Conotoxia Pay service was made available.

Mar 19, 2019 AM

“Pay Later” — new function at Conotoxia Pay

A new proposal for online shops available at The Conotoxia Pay service is extended with a “Pay later” function.

Mar 14, 2019 AM

Open Banking Standard at

To implement the PSD II directive, we have made available an API along with technical documentation available. It can be used by financial institutions with a TPP qualified certificate.

Feb 27, 2019 AM

Conotoxia as Official National Supporter of FIFA U-20 World Cup

Conotoxia became an Official National Supporter for FIFA U-20 World Cup Poland 2019.

Feb 15, 2019 AM

Visa Checkout at

Conotoxia introduced the next convenient payment method. Customers paying for money transfers and currency exchange transactions can now use Visa Checkout.

Jan 17, 2019 AM

New ways of topping-up the currency wallet

Another way to top up your currency wallet was added to the platform available at Customers can now conveniently fund their wallets using the full list of payment methods, including the most popular payment cards.

Jan 10, 2019 AM

UnionPay — new payment method

UnionPay is the next online payment method to be added to the financial platform available at Users can now pay for their money transfers and currency exchange transactions with this option.

Dec 21, 2018 AM

Sofort (now Klarna) and iDEAL — new payment methods

The platform added to its offer alternative online payment options popular in many European countries. Currency exchange and money transfer transactions can now be conveniently paid for using two additional express payment methods: Sofort (now Klarna) and iDEAL.

Dec 20, 2018 AM

Express payments for currency exchange

The online platform enables instant payment of currency exchange transactions, for instance, directly from payment cards.

Oct 25, 2018 AM launches Conotoxia Collect

The new solution dedicated to international companies and corporations enables integration of inflows from business partners in any of 26 currencies.

Oct 8, 2018 AM

Google Pay — a new service on

The financial platform has made it possible for customers to pay for money transfers to 30 European countries with the Google Pay service.

Oct 3, 2018 AM

Instant funding method for money transfers in 6 countries available across 38 banks

The Conotoxia platform now includes the service of quick money transfers from banks in Sweden, the Czech Republic, Finland, Estonia, Lithuania and Latvia.

Sep 28, 2018 AM

Conotoxia Pay available in more than 30 thousand online shops's customers can use convenient currency payments Conotoxia Pay in over 30 thousand online shops serviced by Dotpay and eCard.

Sep 26, 2018 AM

New payment methods: Bancontact and Cartes Bancaires cards has launched new payment methods. Money transfers can now be paid for using Bancontact and Cartes Bancaires cards. These are popular payment methods in Belgium and France.

Sep 19, 2018 AM

Apple Pay — new method of payment customers can now use Apple Pay to conveniently pay for domestic and international money transfers in multiple currencies.

Aug 21, 2018 AM

Conotoxia Pay in online stores supported by eCard

A contract with one of the largest payment integrators in Poland enables customers of the financial platform to pay in the currency of their choice, without additional fees or commission.

Jul 23, 2018 AM enables a payment card service

The financial platform has made it possible for customers to pay for money transfers with debit and credit cards including the most popular card networks: Visa, Visa Electron, Mastercard and Maestro.

Apr 16, 2018 AM

Introducing a new service — Conotoxia Pay, online payments presents the possibility of making payments in 24 currencies while shopping online. The Conotoxia Pay service is addressed to both individual clients and business partners.

Apr 5, 2018 AM

Introducing a new service — Money transfers introduces a money transfer service. To send a transfer, you can enter the number of the account to which you want to send the money. If you do not know it, simply enter the recipient's phone number or email address.

May 18, 2017 AM

Working towards a better future

Conotoxia Sp. z o. o. helps advance global payments! The company has joined the Payments Innovation Alliance - developed by the NACHA Association of Electronic Payments.

Apr 4, 2017 AM

Conotoxia becomes a member of the European Payments Council

Conotoxia Sp. z o. o. assists and develops European payment systems. The company joined the European Systemic Risk Board, assisted by the European Payments Council.

Sep 30, 2015 AM

Introducing Conotoxia

The new international brand from has an appetite for providing faster, safer and more convenient financial services!

Governance Rules for Supervised Institutions

Corporate governance includes the most important principles and processes concerning the management of a company and the control of its functioning. It was prepared in accordance with the requirements of the Polish Financial Supervision Authority for supervised institutions.

Conotoxia Sp. z o.o. adheres to the Governance Rules for Supervised Institutions.
Conotoxia Sp. z o.o. has implemented corporate governance principles with respect to:

  1. Organizational structure.
  2. Developing a long-term strategy for action.
  3. Relationships with governing shareholders.
  4. Regulation of the Authority to work with internal regulations.
  5. Internal regulation of partner assembly work.
  6. Renumeration policy.
  7. Information policy.
  8. Promotional, advertising activity and customer relations.
  9. Internal auditory system.
  10. Risk management system.

Conotoxia Sp. z o.o. does not adhere to the rules determined in Chapter 4. The company has decided not to appoint a Supervisory Board. In the company's opinion, it is unnecessary to institute a Supervisory Board on the grounds of limited activity involved in the provision of payment solutions. Decision making within the organization was determined to be collegial and is ensured through the appointment of a management board composed of several members. The company is of the opinion that this is sufficient for the safe, collegial management of the organization. As a result, the company opted out of Chapter 4 Authority execution.

Conotoxia Sp. z o.o. does not apply the rules determined in Chapter 9, the Eligibility of Assets Acquired at Customers' Risk Execution, as the company does not acquire or manage assets at customers' risk.

Robert Gorny
President of the Management Board
Marcin Pioro
Member of the Management Board