Signing a partnership agreement and establishing a shared ownership structure, the companies BTC, d. d., Eligma, d. o. o., and Lab4Pay, d. o. o., have committed to the continued development of a comprehensive solution aimed at increasing the share of e-payments and achieving a unified system for the efficient business performance of small and medium-sized enterprises at their respective points of sale. The ability to choose between traditional and cutting-edge payment solutions, including cryptocurrency payments, fiscal cash register integration, and the option to install additional applications on an “all-in-one” device facilitate simple business operations and lower costs.

Thanks to its well-designed strategy and visionary business idea, Lab4Pay, which consists of experts with extensive experience in payment systems, placed second among more than 130 startups applying for the public tender of the Slovene Enterprise Fund and attracted the attention of two strategic business partners – BTC and Eligma.

Miha Culiberg, businessman, CEO and founder of Lab4Pay, swears by innovative solutions: “The number of payment cards and other electronic payments used daily is far greater than it used to be in the past, but we are still faced with uncertainty when it comes to introducing new payment methods at points of sale. Moreover, payment options also continue to expand. Our partnership with Eligma is the first step towards providing retailers not only with traditional but also alternative payment options, such as cryptocurrency payments, which are currently used predominantly by the younger (and upcoming) generation. Our solution enables retailers to accept traditional payments as well as modern e-payments; in addition, it can be integrated with their cash register and a wide range of applications for improving customer relations management, all on one device. With such an advanced integration of diverse payment methods on one device, the options of adding new payment methods are limitless and can change depending on consumer trends. In the times of COVID-19, switching from traditional to electronic payment is all the more important. Lab4Pay’s solution enables not only an extended range of payment methods at specific points of sale, but the same user experience also in the fast-growing segment of online shopping. Since the platform, which is open to all Android solution providers, simplifies and lowers the costs of everyday retail business operations, we kindly invite all points of sale software solution providers to cooperate and help expand the range of services available to retailers.”

Mag. Damjan Kralj, the CEO of BTC, said: “The investment in Lab4Pay is another step forward in the scope of our mission Digital, with which we are committed to the development of digital solutions for retailers and consumers, and a logical upgrade of our years of experience in business real estate management with commercial business partners. We do believe that the synergies of BTC, the global presence of Eligma and the extensive experience with payment systems brought to the table by Lab4Pay, will offer the Slovenian and foreign markets a solution that will help redefine customer relations management at points of sale.”

Dejan Roljić, the founder and CEO of Eligma, said: “We’re excited that Eligma has partnered up with Lab4Pay and BTC in order to provide companies across the world with a comprehensive solution combining already established as well as the most cutting-edge alternative payment solutions in one place. With it, we will make it possible for the customer to always choose the payment option that is best for them, while the retailer will be able to adopt different payment methods in a fast and simple manner, integrating them into their business day-to-day. This strategic decision puts cryptocurrency payments on par with card payments and all other digital payment methods.”

For additional information about the advanced application and the devices that support the business of small and medium-sized enterprises, please visit