e-pity API Integration & Polish Tax Data Solutions (OpenFinance / PIT)

Securely extract verified Polish tax data, PIT-37 forms, and UPO receipts directly from e-pity. We provide full protocol analysis, compliant API endpoints, and source code delivery for accounting and fintech ecosystems.

Starts at $300

OpenData · Tax Verification · UPO Tracking · e-Deklaracje API

Integrate Verified Polish Tax Data and UPO Receipts into Your Backend System

Deliver automated tax processing and income verification via robust e-pity protocol analysis. Empower your lending or ERP platform with real-time tax return data and compliance tracking in Poland.

The Polish tax landscape demands absolute precision, with digital submissions via e-Deklaracje.gov.pl being mandatory for millions of citizens. e-pity processes a vast portion of these annual tax returns, handling critical financial documents such as PIT-37, PIT-36, and PIT-28. By tapping into this ecosystem through our secure OpenData integrations, financial institutions, consumer lending platforms, and enterprise accounting software can seamlessly extract verified taxpayer profiles. Our technical studio specializes in deep protocol analysis and custom API development, bridging the gap between e-pity’s comprehensive tax filing software and your operational backend. We provide the complete infrastructure required to automate income verification, track official receipt (UPO) statuses, and extract detailed tax deduction profiles—all delivered as ready-to-run source code designed for the Polish market.

Automated Income Verification API — Extract precisely calculated annual income figures, gross margins, and net profits directly from submitted PIT-37 and PIT-36 declarations. This data serves as an unassailable proof of income, allowing consumer credit applications, mortgage lenders, and financial scoring algorithms to evaluate borrower risk instantly without relying on easily manipulated PDF uploads or manual pay slip reviews.

UPO Status Tracking and Archiving — The Official Receipt of Submission (Urzędowe Poświadczenie Odbioru) is the sole legal proof of a successful tax filing with the Ministry of Finance. Our integration continuously monitors the communication with e-Deklaracje servers, automatically fetching the UPO receipt ID and timestamp as soon as it is generated, and archiving it securely in your compliance system for audit-ready tax records.

Comprehensive Tax Relief Profiling — Dive deeper into user financial habits by extracting granular deduction data found in PIT/O and PIT/D attachments. Identify users benefiting from the Large Family Card (Karta Dużej Rodziny)—who may be eligible for accelerated 30-day tax refunds—or track internet and rehabilitation reliefs. This enables wealth management apps to provide hyper-personalized financial advice and specialized loan products.

Seamless ERP and Accounting Sync — Export structured tax XML or CSV data directly into major Polish accounting suites like Płatnik, CDN Optima, and Varico. For B2B applications, we automate the transfer of employee tax updates (such as PIT-4R or PIT-11), eliminating redundant manual data entry for HR departments and ensuring perfect synchronization between historical tax records and current payroll calculations.

NGO and CSR Data Aggregation — Track philanthropic contributions via the PIT-OP form and KRS selections. Our API identifies which Public Benefit Organizations (OPP) users support and the precise donation amounts calculated from their tax returns. Corporate Social Responsibility (CSR) platforms can use this data to match employee donations or generate comprehensive demographic insights into charitable giving trends.

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Data Available for Integration (OpenData Perspective)

The e-pity application aggregates an extraordinary depth of financial information prior to transmitting it to the Ministry of Finance. Below is a structured breakdown of the specific data nodes we can successfully extract, authenticate, and route to your systems via our custom API solutions.

Data Type	Source	Granularity	Typical Use
Annual Taxable Income	PIT-37 / PIT-36 / PIT-28 forms	Exact PLN amounts by specific fiscal year	Credit scoring, automated lending, mortgage pre-approval
UPO Receipt Metadata	e-Deklaracje.gov.pl sync logs	Unique Receipt ID, Exact server timestamp	Legal compliance, corporate audit trails, submission verification
Taxpayer Identity (KYC)	User Profile / ZAP-3 form	PESEL, NIP, current registered address	Automated KYC onboarding, identity verification, anti-fraud
Tax Relief & Deductions	PIT/O attachments	Relief type (e.g., Karta Dużej Rodziny) and claimed PLN amount	Wealth management profiling, targeted financial product offerings
Refund Timeline Projection	App calculation engine	Expected refund date (45 days or accelerated 30 days)	Tax refund advance loans, cash flow forecasting for users

Compliance & Privacy (GDPR / RODO)

Processing tax data demands the highest caliber of security and strict adherence to European data protection standards. Our integration solutions are engineered from the ground up to comply fully with the General Data Protection Regulation (GDPR) and its Polish equivalent, RODO. We ensure that every piece of data extracted—whether it’s a PESEL number, NIP, or exact income figure—is bound by explicit, granular user consent mechanisms. The integration layer acts as a strict pass-through mechanism, preventing unauthorized data caching and enforcing minimal data retention policies.

Furthermore, any interaction mimicking or interfacing with the Ministry of Finance's e-Deklaracje ecosystem strictly follows their published cryptographic guidelines. All data transit is secured via TLS 1.3, and payloads are encrypted at rest using AES-256. We implement comprehensive audit logging, ensuring that every API call, token refresh, and data extraction event is immutably recorded. This allows your compliance team to easily generate reports proving that data was accessed legally and transparently.

For enterprise deployments, we provide detailed technical documentation and privacy impact assessment (PIA) templates tailored to the Polish financial regulator (KNF) guidelines. This empowers your legal team to swiftly approve the integration, knowing that the OpenData architecture eliminates the legal hazards associated with manual screen scraping or unsecured credential storage.

Screenshots / App Preview

Typical Integration Scenarios

Frictionless Lending & Credit Risk Assessment

When a user applies for a consumer loan or mortgage, traditional banks require substantial paperwork, including historical tax returns. By integrating our e-pity data extraction API, lending platforms can prompt users to securely authenticate their e-pity account. The API instantly retrieves verified gross and net income from their latest PIT declarations. This flow dramatically reduces application abandonment rates, mitigates the risk of forged documents, and accelerates the underwriting process by feeding pristine, official data directly into the risk engine.

Corporate HR and ERP Synchronization

Mid-to-large enterprises utilizing complex ERP software (such as CDN Optima or SAP) often struggle with reconciling annual employee tax forms. Our custom integration acts as a middleware bridge, securely connecting the e-pity Płatnika ecosystem to the corporate backend. The API handles bulk exports of XSD-compliant XML data, automatically synchronizing hundreds of PIT-11s or PIT-4Rs. This ensures HR departments maintain perfect compliance without manual data transcription, saving hundreds of administrative hours each tax season.

Tax Refund Advance Financing

A highly lucrative use case in the fintech sector is offering tax refund advances. Our API can evaluate a user’s completed e-pity return to determine the exact expected refund amount. Crucially, it parses whether the user holds a Karta Dużej Rodziny (Large Family Card), which legally expedites their refund from the standard 45 days down to 30 days. Armed with this timeline and guaranteed refund amount, fintech apps can confidently issue short-term advances with mathematically precise risk modeling.

Personal Finance Management (PFM) Aggregation

Modern Open Banking applications strive to provide a 360-degree view of a user's financial health. By securely linking to the e-pity platform, PFM dashboards can ingest annual tax data alongside daily banking transactions. This allows the app to track long-term net worth, analyze year-over-year income growth, and advise the user on optimizing future tax reliefs (like internet or child deductions) based on their precise historical filing data.

Technical Implementation & API Architecture

Our team delivers resilient, production-ready code that interfaces with the e-pity ecosystem. We handle the complex OAuth-style token exchanges, handle session persistence, and interpret the precise XML/XSD schemas mandated by the Polish Ministry of Finance. Below are examples demonstrating how your backend will interact with the abstraction layer we provide.

// Pseudo-code: Initiating a Tax Declaration Data Request
POST /api/v1/epity/declarations/fetch
Content-Type: application/json
Authorization: Bearer 

{
  "taxpayer_pesel": "85022300000",
  "fiscal_year": 2024,
  "requested_forms": ["PIT-37", "PIT-OP", "PIT-O"],
  "include_upo_status": true,
  "consent_token": "usr_auth_9876xyz"
}

// Response Payload
{
  "status": "success",
  "data": {
    "income_total_pln": 125000.50,
    "tax_due_pln": 11200.00,
    "refund_expected_pln": 1450.00,
    "reliefs_claimed": ["Karta Dużej Rodziny", "Internet"],
    "upo_status": "DELIVERED",
    "upo_receipt_id": "UPO-987654321-ABCD",
    "submission_timestamp": "2025-04-10T14:22:00Z"
  }
}

The data returned is strictly formatted to standard JSON, obfuscating the heavy, deeply-nested XSD XML structures required by the e-Deklaracje servers. For systems requiring asynchronous updates (such as waiting for the UPO receipt to be generated by the government), we implement robust webhook architectures that push status updates to your servers in real time.

// Pseudo-code: Webhook Payload for UPO Status Update
POST https://your-erp-backend.com/webhooks/epity
Content-Type: application/json
X-Signature: 

{
  "event_type": "UPO_RECEIPT_GENERATED",
  "taxpayer_pesel": "85022300000",
  "document_reference": "PIT-37-2024-V1",
  "upo_details": {
    "receipt_id": "UPO-987654321-ABCD",
    "status_code": 200,
    "message": "Przetwarzanie dokumentu zakończone poprawnie",
    "download_url": "https://api.yourdomain.com/v1/upo/pdf/UPO-987654321-ABCD"
  },
  "timestamp": "2025-04-10T14:25:33Z"
}

Data Flow & Integration Architecture

Our streamlined data pipeline ensures high availability, minimal latency, and zero data loss. The architecture is designed to integrate seamlessly into modern microservices environments, decoupling the complexity of the e-pity protocol from your core business logic.

User Consent & Authorization: The end-user initiates the connection within your app (e.g., a banking dashboard), granting explicit OAuth-style consent to access their e-pity tax records.
Protocol Orchestration: Our provided API gateway securely authenticates against the e-pity ecosystem using the delegated credentials, initiating the data request for the specified fiscal year.
Data Extraction & Transformation: The system intercepts the native XML responses (compliant with crd.gov.pl XSD schemas), strips out redundant metadata, and maps the crucial financial figures into a clean, normalized JSON format.
Delivery & Notification: The structured data is delivered synchronously to your backend. Concurrently, asynchronous webhooks are registered to listen for status changes, such as the generation of the UPO receipt by the government servers.

Market Positioning & User Profile

e-pity is the undisputed leader in independent tax filing software in Poland. While the government's Twój e-PIT platform offers basic functionality, e-pity distinguishes itself by supporting over 20 distinct PIT declarations, complex joint settlements, and specialized reliefs. This makes it the preferred choice for sophisticated taxpayers, high-net-worth individuals, business owners, and professional accountants who require absolute control over their fiscal reporting.

The user base spans both B2C and B2B segments. On the B2C side, millions of Polish employees and freelancers utilize the mobile and desktop versions to maximize their tax returns and secure early refunds. On the B2B side, e-pity Płatnika is a cornerstone for HR departments and accounting firms managing hundreds of corporate clients. This dual dominance ensures that an integration with e-pity unlocks access to a massive, highly verified, and economically active demographic.

Technologically, the platform operates seamlessly across Windows, Mac, Linux, iOS, and Android, backed by a robust cloud infrastructure. By targeting e-pity users, your financial product taps into a demographic that is already comfortable with digital financial tools, making them highly receptive to advanced OpenBanking features, automated lending, and integrated wealth management solutions.

About Our Technical Studio

We are a specialized technical service studio dedicated to App interface integration and authorized API development for the global fintech sector. Our core expertise lies in protocol analysis, reverse-engineering legitimate data flows, and building compliant OpenData bridges between closed financial ecosystems and modern enterprise backends. With extensive experience in the Polish and European OpenBanking landscape, we understand the critical intersection of technical reliability and regulatory compliance.

Deep expertise in Polish financial protocols, including e-Deklaracje XML standards and UPO validation.
Delivery of fully functional, scalable source code (Node.js, Python, Go) rather than just theoretical documentation.
Strict adherence to GDPR / RODO and local privacy laws, ensuring your implementation is audit-ready from day one.
Transparent pricing model starting at $300, with flexible milestone-based payments and guaranteed post-delivery support.

Get Started with e-pity Integration

Ready to automate your income verification or ERP synchronization? Provide us with your specific use case, target data points, and current technical stack. We will deliver a customized integration strategy and a precise quotation.

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Proposal & Delivery Workflow

We utilize a streamlined, highly predictable delivery methodology designed to get your integration into production as quickly as possible without compromising quality or compliance.

Requirements Gathering: We analyze your specific data needs (e.g., PIT-37 extraction, UPO tracking) and identify the exact endpoints required.
Protocol Analysis & Design (2-4 Days): Our engineers dissect the e-pity data flows, mapping the XML structures to your required JSON schema.
Development & Internal Testing (4-8 Days): We write the integration code, implementing robust error handling, OAuth token management, and data parsing logic.
Source Code Delivery & Documentation (1-2 Days): You receive the complete repository, alongside extensive API documentation, Postman collections, and setup guides.
Integration Support: We assist your team in deploying the solution to your staging environment and verifying compliance with your security standards.

Frequently Asked Questions

What exact data can be extracted from e-pity?

We can extract comprehensive financial data including gross/net income, tax liabilities, specific deductions (like internet or child reliefs), taxpayer identity information (PESEL, NIP), and the official UPO receipt status from the Ministry of Finance.

Is this integration compliant with Polish RODO laws?

Absolutely. All integrations are designed to function strictly upon explicit user consent. We implement secure OAuth-style mechanisms and do not store any personally identifiable information (PII) on our middleware, ensuring full compliance with GDPR/RODO.

How long does the implementation take?

A standard read-only data extraction integration (e.g., pulling PIT-37 income data) typically takes 7-12 business days to analyze, develop, and deliver. Complex integrations involving enterprise ERP synchronization or multi-form support may take slightly longer.

What format is the source code delivered in?

We deliver production-ready source code in your preferred language—typically Node.js, Python, or Go. The delivery includes unit tests, Dockerfiles for easy deployment, and comprehensive OpenAPI/Swagger documentation for your frontend teams.

📱 Original App Details: e-pity

Aplikacja e-pity edycja 2025 wersja mobilna to pierwsza w Polsce darmowa aplikacja do rozliczania i wysyłania PITów rocznych do systemu e-Deklaracje.gov.pl za pośrednictwem smartfonów i tabletów.

Aplikacja e-pity 2025 pozwoli na kompleksowe rozliczenie w każdym możliwie wariancie, ze zwrotem podatku do 45 dni lub do 30 dni dla posiadaczy Karty Dużej Rodziny, jeśli wyślesz e-Deklarację.

Program e-pity pozwala na wypełnianie ponad 20 deklaracji PIT, czyli największej liczby spośród wszystkich aplikacji mobilnych do PIT-ów rocznych dostępnych na rynku. Poza najpopularniejszymi formularzami jak: PIT-37, PIT-36, PIT-36L, PIT-28, PIT-38, PIT-39 z załącznikami: PIT/B, PIT/BR, PIT/DS, PIT/M, PIT/D, PIT/2K, PIT/O, PIT/Z, PIT/ZG, PIT-28/A, PIT-28/B, PIT/WOT. Można również skorzystać z formularzy aktualizacji danych w urzędzie skarbowym - druk ZAP-3. W bazie formularzy znajdziesz też oświadczenie PIT-OP dla emerytów.

Przyjazny interfejs aplikacji przygotowany specjalnie na urządzenia mobilne, sprawia, że mimo ograniczonej powierzchni ekranu, rozliczenie PIT-a nie stanowi tu żadnego problemu. Niewątpliwą zaletą programu jest pomocny kreator, który nawet niewtajemniczonego podatnika przeprowadzi przez PIT-a krok po kroku. Aplikacja e-pity weryfikuje, czy użytkownik wypełnia wszystkie wymagane pola deklaracji, umożliwia rozliczenie przysługujących mu ulg i odliczeń - automatycznie weryfikując poprawność kwot i pilnując ustawowych limitów.
Program przygotowuje e-Deklaracje wraz z załącznikami do wysyłki i pozwala śledzić komunikację z serwerami Ministerstwa Finansów, aż do automatycznego pobrania Urzędowego Poświadczenia Odbioru tzw. UPO, którego kopię użytkownik może otrzymać również na swój adres e-mail. E-wysyłka gotowego PIT-a do systemu e-Deklaracje.gov.pl jest możliwa w aplikacji bez konieczności użycia podpisu kwalifikowanego. Program e-pity nie ogranicza wyboru organizacji pożytku publicznego i pozwala samodzielnie wpisać jej nr KRS. Aplikacja jest darmowa i nie posiada limitu wypełnionych deklaracji PIT.

e-pity w wersji mobilnej to:
• przyjazny interfejs kreatora napisany specjalnie na urządzenia mobilne,
• system obliczeń wykonywany na silniku aplikacji e-pity – niezawodnej od 2009 roku!
• sprawna wysyłka PIT-37, PIT-36, PIT-36L, PIT-28, PIT-38, PIT-39 wraz z załącznikami do systemu e-Deklaracje,
• bezpieczny zapis danych na urządzeniu użytkownika lub w chmurze na Dysku e-pity,
• wysyłka kopii deklaracji PIT e-mailem na własną skrzynkę,
• opcja wydruku deklaracji lub zapisu do pliku pdf,
• Urzędowe Poświadczenie Odbioru (UPO) pobrane i dostępne w aplikacji oraz dostarczone e-mailem.

Program e-pity edycja 2025, jest dostępny także w wersji instalacyjnej na platformy: Windows, Mac i Linux.
Dodatkowe informacje na https://www.e-pity.pl/mobi

Kontakt: https://www.e-pity.pl/kontakt/
e-mail serwisowy: serwis@e-pity.pl
e-mail: biuro@e-file.pl | www.e-file.pl