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Fintech Innovation

One Link.
Infinite Payments.

Building the global protocol for instant sovereign payments.
We are the certified aggregator of Hungary’s national payment system, now expanding globally. Processing millions in real-time transactions on infrastructure that costs 90% less than cards.

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For Investors

Powering the future of account-based transactions

Developed by InnoPay, Qvik connects users and banks directly — enabling instant, compliant, and card-free payments.

01.

Tap the Qvik link

The customer initiates a payment via a unique deep link — instantly connecting their account to the merchant.

02.

Direct bank connection

Qvik connects directly to the user’s bank through a secure API — no intermediaries, no cards involved.

03.

Instant payment

Funds are transferred in real time. The merchant and the customer both receive instant confirmation.

About Innopay

Shaping the global payment landscape from Central Europe

We believe the next generation of global payment infrastructure can be built right here — in Central Europe. 
Innopay is a Hungarian-born fintech company pioneering the world’s first deep link payment platform Qvik, enabling real-time, account-based transactions without cards.

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Hungarian Roots. Global Rails.

We’re proving that world-class payment innovation can start anywhere — even in the heart of Europe.

Leadership

Founders

The team behind Qvik — driven by trust, technology, and purpose.

Zoltan Sarkozi
Founder
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Tamas Homlok
Co-Founder
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Istvan Katona
CEO
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Zsolt Szalkay
Chief Technolgy Officer
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Gyula Szauter
COO
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Réka Gőbel
HR Manager
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Collaboration

Building trusted partnerships in finance and technology

Our ecosystem includes trusted collaborations with major financial institutions, regulatory authorities, and technology partners — building a strong, interoperable foundation for deep link payments.

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Who We Serve

Empowering every stakeholder in the digital payment ecosystem

From financial institutions to public services, Qvik provides the backbone of a truly connected, instant economy.

Banks & PSPs

Integrate our link-based tech into your rails.

Merchants

Add link-pay to checkout.

Governments

Sovereign payment rails for digital strategy.

Investors

Join us in building a fintech unicorn from the heart of Europe. We’re opening our next funding round and piloting with regional banks, ministries, and global fintechs.

Contact Investor Relations
Let’s connect

Building the future of payments together

Whether you’re a financial institution, merchant, or technology partner —
 we’d love to explore how deep-link payments can power your business.

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Zoltan Sarkozi

Year of Hire:

2022

Current Position:

Owner, Head of IT and Business

Noteworthy:
  • Inventor of the most innovative deeplink based digital payment solution
  • Inventor of the first e-sign based, totally online retail financing technology in EU, with realtime and non-realtime identification
  • 10+ years experience in consumer finance
  • More than 15 years of leadership experience in large multinational corporates (400+ employees)
  • Strong regulatory connections
  • Strong connections of Hungarian banking decision makers
Positions Prior to Innopay:
  • Ceo, Mikrocredit Zrt., first real online loan company
  • Head of Tesco Finance
  • Santander, Sales and Marketing director
Education:

Bachelor degree in economics

Tamas Homlok

Year of Hire:

2023

Current Position:

Head of Business Development and Operation

Noteworthy:
  • More than frothy year experiences on several banking activities (TRY, Payment, Bankcard, Lending, Custody etc.)
  • Active participant in different clearing system and payment schema introductions on the Hungarian and European market as well.
  • Outstanding experiences in group level centralization activities (new competence center introductions, centralization of payment processes)
  • Participation as business owner in some system integrations and migration of banks and its portfolio elements.
Positions Prior to Innopay:
  • Lead Business Analyst/Architect – Erste Group Bank GMBH, Vienna, Austria
  • Director of Operations – Erste Bank Hungary Ltd, Budapest, Hungary
  • IT and Operation Division Head – Posta Bank and Savings Bank Ltd, Budapest, Hungary
  • Executive Director, Central Transaction Directorate – Postabank GMBH, Budapest, Hungary
Education:
  • High School Diploma – Budapest Business School, College of Finance and Accountancy, Budapest
  • High School Diploma – Széchenyi István Traffic and Telecommunications Technical College, Győr

Istvan Katona

Year of Hire:

2023

Current Position:

Chief Executive Officer (CEO)

Noteworthy:
  • Over 25 years of professional experience in finance and controlling at multinational companies
  • More than 20 years of leadership (executive, company management) experience
  • Comprehensive experience in finance and controlling, including full responsibility for the company’s financial reporting, internal and external audits, cash flow, and leading the company’s financial planning
  • Vice President of AmCham Hungary
  • Board Member of United Way Hungary
Positions Prior to Innopay:
  • Celanese Hungary – Chief Executive Officer (CEO)
  • EY Hungary – Finance Director
  • BMW Hungary – Accounting Director
  • Contitech Hungary (Continental Group) – Chief Accountant
Education:
  • Bachelor of Science (Accounting)
  • Certified Public Accountant
  • Certified Coach (Gestalt)

Zsolt Szalkay

Year of Hire:

2025

Current Position:

Chief Technology Officer

Noteworthy:
  • Over 28 years of IT professional experience in the Hungarian banking and finance sector
  • More than 18 years of IT leadership
  • Comprehensive IT experience in finance including full responsibility for the company’s IT security, internal and external IT audits
Positions Prior to Innopay:
  • Erste Bank Hungary – Chief Information Officer (CIO)
  • Cellum Zrt – Chief Information Officer (CIO)
  • OTP Mobil – Chief Information Officer (CIO/CTO)
  • OTP Mobil – Deputy CEO
Education:
  • Bachelor’s Degree – Computer Science
  • Bachelor’s Degree – Diplomacy

Gyula Szauter

Year of Hire:

2023

Current Position:

Chief Operational Officer (COO)

Noteworthy:
  • Over 20 years of professional experience in finance, controlling and business operation at Hungarian and multinational companies and banks
  • More than 15 years of leadership experience (director and executive level, company management)
  • Comprehensive experience in finance, accountancy and controlling, including full responsibility for the company’s financial reporting, internal and external audits, business planning, legal and regulatory, and leading the company’s financial planning, close cooperation with the Board of Directors
Positions Prior to Innopay:
  • MKB Bank – Head of M&A
  • Ernst & Young – Financial Sector Advisory Leader
  • WestLB Bank (Gránit Bank) – CFO, Board Member
Education:
  • Certificate in IFRS
  • Master of Science in Economics
  • BSc Diploma in Finance and Accounting
  • Certified IFRS Accountant
  • Six Sigma, LEAN Expert

Réka Gőbel

Year of Hire:

2025

Current Position:

HR Manager

Noteworthy:
  • Over 25 years of HR operational and strategic experience
  • 20 years of running a HR consulting company
  • More than 15 years of experience of executive coaching
  • Main results: Building up companies (shared service sector), managing major transformation programs in Hungary and on global platforms, master of change management and leadership development
Positions Prior to Innopay:
  • Key partners: Sony Pictures, Coca-Cola, Libri, Heineken, Ingatlan.com, Telenor, Celanese SSC, Avis Budget Group SSC, AbbVie Pharma, Bunge, BARE International, TÜV Rheinland, Immofinanz, Fortaco Manufacturing
  • Mylan Pharmaceutical GBS HR Leader
  • Kerubi Consulting – Owner, OD and HR Consultant
  • Celanese Hungary – HR Manager
  • Unilever – Regional HRBP
Education:
  • Bachelor of Arts in Business
  • Master of Business Administration, Niagara University, NY USA
  • Certified coach and consultant of various leadership development tools