Who are we?

We are the creators of PragmaGO brand products and their providers. We combine experience in finance with modern technology.

We create financial services for business that are as accessible, convenient and efficient as those for consumers. Working with a partner, we create synergies to make financing available on a large scale.

You do the business, we’ll do the finance.

Who are we?

We bet on new technologies

In our daily work, we use state-of-the-art solutions such as Docker, PHP, Satis, Jenkins, GitHub Actions, GitHub, Java, Node, Python, RabbitMQ, Microsoft Azure, Symfony, PHPUnit, Behat, Codeception, React, ApiPlatform and PostgreSQL.

Logo Docker
Logo Jenkins
Logo Github
Logo Java
Logo node.js
Logo Python
Logo RabbitMQ
Logo Microsoft Azure
Logo Symfony
Logo PHPUnit
Logo Behat
Codeception logo
API platform
Logo PHP

By using Docker, our applications are environment-independent, ensuring a smooth and reliable implementation on different platforms. Using PHP, Java, Python and Node, we create scalable solutions that guarantee performance and flexibility. Our Domain Driven Design (DDD) and layered architecture-based solutions enable easy maintenance and development of applications, which translates into long-term investment value.

We constantly strive for excellence, so we use platforms such as Jenkins and GitHub Actions to ensure continuous integration and deployment. This ensures that our products are tested, monitored and delivered continuously, eliminating the possibility of unforeseen problems.

We rely on best practices and clear principles
We provide functionality and an attractive user interface
We develop products with attention to detail
We focus on friendly design, intuitive interactions and responsiveness

We are constantly following the latest trends and improving our skills. We regularly attend training courses and conferences to stay abreast of changes in the industry.

Successful cooperation with partners

We establish partnerships with companies in all industries, and our cooperation brings tangible benefits. The numbers speak for themselves!


active partners


accepted applications

0 thousands


0 mln PLN

financing provided

What do the partners say?

Check out what our long-time partners think about working with PragmaGO.tech!

Allegro partnerem PragmaGO

Ewa Krainska

B2B Financial Services Senior Manager, Allegro

We have partnered with PragmaGO to create an offering of modern financing methods for companies on Allegro. The choice of partner was not accidental. PragmaGO from the beginning showed not only professionalism and speed of action, but, what was most important for me, flexibility and readiness to experiment. Together we are creating a new quality in the market of corporate financial tools in the ecommerce sector. Above all, we are guided by the idea of searching for the essential features that characterize the sector. Starting from product design, UX to technology solution, we build solutions for this industry. This is what sets our financial methods and products apart from those available in the industry. PragmaGO is not afraid to take risks and try new solutions. It actively participates in strategy building and is heavily involved in every project.
Shoper - partner PragmaGO

Lukasz Piechowiak

Head of Financial Services, Shoper

Cooperation with PragmaGO is very smooth and in full partnership. It is distinguished by a shared commitment to product development and improvement based on the best technologies and years of experience in online business financing. E-stores using the Shoper platform need financing that is technologically advanced, flexible, fast and transparent – which is exactly what PragmaGO delivers. As a result, the customer, literally in a few minutes, without leaving home, completely online, regardless of the time of day or night, can apply for a convenient and attractively priced loan, which he can use to further develop his e-shop. Exactly when he needs it and when it is convenient for him. Thanks to the cooperation with PragmaGO, our users can see for themselves “firsthand” the practical benefits for business of implementing truly fintech solutions.

Prestigious awards for PragmaGO

E-commerce Awards Poland 2023 in the category “Best e-commerce B2B tool/technology/service”.

This prestigious award was given to us for the introduction of the innovative Merchant Cash Advance service, which offers flexible financing to entrepreneurs under the embedded finance model.

PragmaGO Finteceh of the Year 2023

We became Fintech of the Year in the Cashless Fintech 2023 competition!

In justifying the verdict, the award committee pointed to the dynamic growth in the value of financing and the strong expansion of the offer for entrepreneurs. Receiving the award is not only a great honor, but also a confirmation of the highest quality and reliability of our solutions.

Honorable mention from Loan Magazine

An honorable mention for our services from LoanMagazine!

The editors appreciated the Merchant Finance service, which we co-developed with our partner Allegro. We received a special award, which confirms that modern financial services are being used on an increasingly wide scale in Poland.

Media about us

Puls Biznesu pisze o PragmaGO

PragmaGO and PeP are moving to conquer retailers. They see huge potential in financing small businesses in the offline world(…)
Cashless.pl o PragmaGO

Buying on allegro.pl for an invoice will allow you to use both Allegro Pay and PragmaGO (Allegro Pay Business)(…)
Logo ecomersy.pl

A threefold increase in turnover from transactions using Allegro Pay Business. PragmaGO and Allegro summarize 2022(…)
Logo SME Banking Club

Deferred payments for PragmaGO companies in the imoje gateway from ING Polska(…)

Let’s get to know each other better

We are a close-knit team of specialists – experienced, but still fascinated by technology. In our daily work, we focus on making modern financial services available to more and more business customers.

We are constantly learning new things, and we use the knowledge we gain to offer state-of-the-art solutions to our partners. As a result, every day thousands of entrepreneurs are able to benefit from funds to run and develop their businesses.

Meet the creators of PragmaGO.tech

Wiceprezes Zarządu Danuta Czapeczko

Danuta Czapeczko

Vice President of PragmaGO

She has a master’s degree in economics and graduated from the University of Wroclaw. She also completed postgraduate studies in Marketing Management at the University of Economics in Katowice. She has been with PragmaGO since 2005. He manages a team that markets innovative financial products in the partnership channel. As Vice President of the Management Board of PragmaGO, she is responsible for the further development of the embedded finance segment for business.

Wojciech Bublik CTO PragmaGO.tech

Wojciech Bublik

President of PragmaGO.tech

He took his first professional steps at BPH S.A. bank, in 2005. From 2007 to 2012, he was with software house Empathy, and then for three years with Unity Group. He worked his way up through all IT ranks – from programmer to director – and finally, in 2015, began working with PragmaGO. For the first six years, he held the position of CEO of software house PramaGO.tech, and since 2021 he has also been CTO at PragmaGO S.A.. He manages a team of nearly 40 people and is responsible for the Company’s entire technology strategy.