Who are we?

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

Who are we?

We focus 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

Thanks to Docker, our applications are environment-independent. It ensures a smooth and reliable implementation on various platforms. PHP, Java, Python and Node allow us to create scalable, highly-performing and flexible solutions. 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 push for excellence. That’s why we use Jenkins and GitHub Actions to ensure continuous integration and deployment. We test, monitor and deliver our products continuously. All this to eliminate unforeseen problems

We follow our best practices and rely on 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 observe latest trends and improve our skills on a daily basis. We attend training courses and conferences to keep abreast of changes in the industry.

Successful cooperation with partners

We establish partnerships with companies in all industries, which brings tangible benefits to both sides. Let he numbers speak for themselves!


partners active


applications accepted

0 thousands

transactions finalized

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 are working with PragmaGO to offer modern financing methods for companies that sell on Allegro. Our choice of partnership wasn’t accidental. From the very beginning, PragmaGO demonstrated not only professionalism and promptness but, most importantly for me, flexibility and willingness to experiment. Together, we create a new quality in the market of corporate financial tools for ecommerce sector. Above all, we are guided by the idea of searching for the essential characteristics of the sector. Starting from product design and UX, to technology solution, we build outstanding solutions for the 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. They actively participate in strategy building and are heavily involved in every project.
Shoper - partner PragmaGO

Lukasz Piechowiak

Head of Financial Services, Shoper

Our cooperation with PragmaGO is very smooth and based on partnership. Our shared commitment to product development and improvement stands out. These are based on the best technologies and years of experience in online business financing. Online 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 can apply for a convenient and attractively priced loan literally in a few minutes. Without leaving home, completely online, day or night. The money can then be used to further develop their e-shop exactly when they need it and when it is convenient for them. Thanks to the cooperation with PragmaGO, our users can experience the practical benefits of implementing modern fintech solutions in business.

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.

PragmaGO.tech in media

Puls Biznesu pisze o PragmaGO

PragmaGO and PeP to conquer merchant market. Both companies see the potential in financing small businesses offline(…)
Cashless.pl o PragmaGO

Buying for a company on allegro.pl will allow you to use both Allegro Pay and PragmaGO (Allegro Pay Business) solutions(…)
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 businesses.

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. Danuta 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 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 worked with software house Empathy, and then for another 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 in 2021 he became CTO at PragmaGO. He manages a team of nearly 40 people and is responsible for the company’s entire technology strategy.