Krajowa Izba Rozliczeniowa S. A. (KIR) is a leading brand in Poland, offering a range of payment and settlement services.

Serving as the key entity in the country's payment system infrastructure, KIR is a trusted provider of digital solutions for businesses, banks, and individuals. Their extensive portfolio includes services such as Elixir Sessions, which facilitate interbank settlements, and Express Elixir for instant payments. KIR also offers the secure electronic signature solution, Szafir, enabling individuals and businesses to digitally sign documents.

Catering to various sectors, including banks, corporations, the public sector, and individual customers, KIR provides a wide array of tailored services. These include transaction processing, digital archiving, verification of account numbers, and access to the SWIFTNet network. KIR's services also support payment innovation, with offerings like Paybynet for online payments and the Qlips platform for bill presentation and invoicing.

With a strong focus on technological advancement, KIR continues to be at the forefront of digital transformation, delivering reliable and efficient solutions for the evolving needs of the Polish payment ecosystem