About us

Mission Statement

“We support the creation of modern and innovative economy by carrying out secure and reliable electronic exchange of information, including information exchange pertaining to interbank clearings”.

Krajowa Izba Rozliczeniowa S.A. offers its products and services mainly to banks and financial institutions, enterpreneurs, public administration, as well as to e-commerce companies and their clients.

Its strategy consists in developing and marketing innovative solutions facilitating exchange of digital information, which has a strong influence on the process of shaping and developing Polish e-economy.

The priorities set by KIR S.A. include providing top-quality secure clearing services carried out using the following systems: ELIXIR® (for domestic payments) and EuroELIXIR (for domestic and cross-border payments in euro). By adapting the EuroELIXIR system to handle SEPA Credit Transfer instruments KIR S.A. has enabled its member banks from the Polish payment system to use pan-European payment instruments in a unified standard, within the framework of the Single Euro Payment Area (SEPA). As a result KIR S.A. has become a part of the integrated European clearing and settlement infrastructure. Starting from June 2009 EuroELIXIR settlementa have been carried out on the TARGET2 system platform, which means that the system has been already adjusted to the Eurozone accession requirements.

In order to streamline clearing information exchange KIR S.A. has implemented and is systematically developing various functionalities available within its OGNIVO platform. OGNIVO clients include banks and the Polish Social Insurance Institution (ZUS). In 2009 the service was also subscribed for by the Polish Post (Poczta Polska).

KIR S.A. also provides SWIFT services. As a SWIFT-accredited partner in Poland it provides two types of services: SWIFTNet access – as a SWIFT Service Bureau, and technical support services – as a SWIFT Service Partner. KIR S.A. is also a SWIFT certified Training Partner and offers SWIFT trainings in Polish.

At the same time KIRS S.A. also offers and implements other services, in line with its operational strategy. KIR S.A. has been the first company in Poland and one of the first in Europe to offer digital signature services. Polish banks started to apply this instrument as early as in 1994. Starting from 2003 KIR S.A. has become a qualified entity providing certification services in the area of issuing qualified certificates and time markers. Currently KIR S.A. is one of the leaders in the qualified certificates market.

KIR S.A. is consistently involved in a number of activities aimed at simplifying the procedures used for making electronic payments. It has been the first company in Poland to launch the Electronic Bill Presentments and Payment service (EBPP) based on electronic banking channels. EBPP services have been launched under KIR’s own brand called BILIX. BILIX has already been made available to consumers by a couple of mass service providers from the energy and insurance sector, as well as by a satellite TV provider. BILIX has also been implemented by the majority of large banks, thanks to which it is now available to over 80% of Polish consumers using e-banking services.

PayByNet is yet another dynamically developing service offered by KIR S.A. PayByNet is a system of direct, secure and guaranteed Internet payments aimed specifically at e-commerce companies and at the public sector. Pursuant to an agreement entered into with the Ministry of Interior and Administration PayByNet has been integrated with the Electronic Public Administration Service Platform (ePUAP). It is the first system enabling e-government clients to make administrative payments using electronic payment channels and to obtain Electronic Payment Confirmations. A growing interest in PayByNet has also been expressed by banks and e-commerce companies.

KIR S.A. is also systematically developing its services pertaining to electronic archivisation of documents in paper and digital format. It is currently working on its eArchiwum software product and implementing various solutions aimed at ensuring its integration with external workflow systems and business management systems.

KIR S.A. also offers specialist training services for the banking and finance sector, as well as for public administration entities, companies, and individual clients.

We connect e-business partners by implementing modern solutions pertaining to the electronic exchange of information and by encouraging our Partners and Clients to use such solutions.