Przelewy24, often referred to as Przelewy, is a Polish Payment processor known for its wide range of Online payments solutions for businesses. Since it was established in 2004, it has become a preferred Online payments method in Poland. Przelewy24 is now part of Nexi Group, one of Europe's leading digital payment companies, alongside its sister company Polskie ePlatnosci.

This platform integrates with more than 165 banks in Poland, allowing for a variety of payment options including bank transfers, credit and debit card transactions, text message payments, and prepaid cards. This includes BLIK, cards, Apple Pay, Google Pay, PayPo, Przelewy24 Raty, and Spingo. The integration with such a large number of banks facilitates real-time transfers, a preferred choice in Poland due to their security and efficiency.

We’ll cover what businesses need to know about incorporating Przelewy24 into their payments strategy, including what it’s best used for, how it works, and what it costs.

What's in this article?

• Where is Przelewy24 used?
  
• Who uses Przelewy24?
  
• How Przelewy24 is used
  
• How does Przelewy24 work?
  
• Benefits of accepting Przelewy24
  
• Przelewy24’s costs and fees
  
• Przelewy24’s security measures
  
• Accepting Przelewy24 as a payment method
  
• Accepting Przelewy24 payments with Stripe
  
• Alternatives to Przelewy24
  
• How Stripe Payments can help
  

Where is Przelewy24 used?

There’s a preference for bank transfers in Poland, where the average online banking customer made seven transfers in the fourth quarter of 2024. This has contributed to Przelewy24’s success, as it integrates with more than 165 Polish banks. Here’s a more detailed look at how this Payment methods aggregator fits into—and reflects—the financial landscape in Poland:

• Credit card penetration and payment diversity: Credit card usage in Poland is low, accounting for just 4% of point-of-sale (POS) payments in 2024. Przelewy24’s array of payment options, which include credit and debit cards, mobile payments, and digital wallets, cater to this unique market.

• Ecommerce growth in Poland: The e-commerce market in Poland has seen rapid growth, with a value of more than $32.3 billion in 2025. This growth necessitates efficient online payment solutions, a gap Przelewy24 fills effectively.

• Businesses adopting online payments: Many Polish businesses have adapted to Online payments, reflecting the global rise of e-commerce and digital transactions. A report from the National Bank of Poland shows that more than 70,000 businesses accepted online card payments in the first half of 2025, a 6% increase from the second half of 2024. Przelewy24, with its wide range of services, addresses these businesses’ evolving needs.

• Regulatory compliance and customer trust: Compliance with security standards is important in Poland. Przelewy24 adheres to the Payment Card Industry Data Security Standard (PCI DSS) and uses SSL encryption to help build customer trust.

• International transactions and currency support: With Polish businesses increasingly reaching global markets, the need for multicurrency support has grown. Przelewy24 can complete transactions in multiple currencies.

• Brand recognition and market positioning: Over 91% of online customers in Poland recognize the Przelewy brand. This high level of brand awareness contributes significantly to its market dominance in the country.

Who uses Przelewy24?

Businesses

• Large e-commerce businesses: Allegro, a major online platform in Poland, relies on Przelewy24 to process millions of transactions daily, providing its vast customer base with safe, secure payments.

• Small and medium-sized online stores: From clothing boutiques to home improvement retailers, several smaller e-commerce businesses use Przelewy24's affordable and user-friendly platform to accept payments.

• Travel and tourism: Hotels, airlines, and travel agencies use Przelewy24's efficient platform to process bookings and payments from international customers.

• Subscription services: Przelewy24's recurring payment functionality is ideal for businesses with subscription models, like streaming services, software providers, and fitness studios. In Poland, Spotify Premium integrates with Przelewy24 for recurring subscription payments.

• Non-profit organisations: Przelewy24 offers special rates and features for non-profits, allowing them to collect donations and manage fundraising campaigns effectively. The Wielka Orkiestra Świątecznej Pomocy, a major Polish charity, uses Przelewy24 to facilitate online donations, simplifying the giving process for millions of supporters.

Customers

• Digital natives: Przelewy24's user-friendly interface and mobile-first approach resonates with young, tech-savvy individuals who value convenience and security. Gaming platforms such as G2A rely heavily on Przelewy24 for in-app purchases, catering to the digital natives of younger generations.

• Security-conscious customers: Przelewy24's fraud prevention measures and PCI DSS compliance reassure security-minded customers who prioritise protecting their data. Lawyers, accountants, and other professionals trust Przelewy24's secure online payments for collecting fees and managing invoices.

• Customers on a budget: Przelewy24's competitive transaction fees and numerous payment options (including bank transfers, digital wallets, and BLIK) attract customers who closely track their budgets. Families in Poland appreciate Przelewy24's focus on bank transfers and its competitive fees, making household expenses like online grocery shopping and regular bills a bit more affordable.

• Residents in rural areas: Przelewy24's extensive network of banks makes it accessible to customers in remote areas. Residents in smaller towns use Przelewy24 to easily make and receive online payments without having to visit a branch of a major bank.

Przelewy24 vs. BLIK

While both are go-to payment methods for Polish customers, Przelewy24 and BLIK work differently. Here's how they compare:

How Przelewy24 is used

• One-time purchases: Przelewy24 facilitates secure and instant payments for online shopping, electronic ticket sales, and other one-time transactions. Ticketmaster Poland uses Przelewy24’s integration with BLIK for quick and convenient ticket purchases. Large electronics retailers such as MediaMarkt Poland offer Przelewy24’s one-click checkout option to boost conversion rates and speed up the checkout process for customers. Przelewy24 Link, a sub-product focused on instant bank transfers, is helpful for especially fast online payments. It’s a good option for businesses with high-value transactions or those looking for a simple payment solution.

• Recurring payments: Businesses can set up automatic Billing and Subscription management through Przelewy24, paving the way for consistently on-time payments.

• Donations and crowdfunding: Przelewy24’s secure donation platform allows Non-profits and individuals to raise funds online with ease and transparency.

• Micropayments and in-app purchases: Przelewy24’s micropayment Functionality makes it ideal for monetizing Mobile apps and games with small but frequent transactions.

• Deferred payments and installments: Przelewy24 supports several Buy now pay later and Instalments options. PayPo and BLIK Płacę Później let consumers delay payment for 30 days, while Spingo offers similar deferred terms for B2B Invoice up to a certain price. P24 Raty adds installment plans on purchases up to a certain price over as many as 60 payments.

How does Przelewy24 work?

On a basic level, Przelewy24 works largely like most other bank transfer networks. Przelewy24 uses a redirect-based payment flow – customers leave the merchant's checkout to authenticate with their bank through Przelewy24's interface, then return to the merchant's site when authentication is complete. Here's what the experience looks like for both businesses and customers:

For businesses

• Integration: Przelewy24 offers multiple integrations, from ready-made plugins for popular platforms including WooCommerce and Adobe Commerce (formerly Magento) to APIs for custom development. This flexibility works well for businesses of all sizes and levels of technical resources.

• Account setup: Setting up a Przelewy24 merchant account is simple. Businesses simply provide basic information, choose their preferred payment methods (e.g., bank transfers, digital wallets like PayU and BLIK, and card payments), and define their settlement schedule.

• Initiating a transaction: When a customer reaches the checkout and chooses Przelewy24, the business sends a transaction data packet containing the order details, total amount due, and chosen payment method to Przelewy24's secure servers. This packet is encrypted using industry-standard protocols to keep sensitive information safe.

• Payment processing: Przelewy24 acts as a trusted intermediary, directing the customer to their chosen payment method's secure interface. This could be a bank login portal, a digital wallet, or even a BLIK code generation screen. Behind the scenes, Przelewy24 communicates with the chosen payment processor to facilitate authentication and payment authorisation. This can involve multifactor authentication, dynamic passwords, or biometric verification depending on the chosen method.

• Settlement and notification: Upon successful payment, Przelewy24 captures the funds and sends real-time transaction confirmation to both the business and customer. This confirmation includes details like the order number, amount paid, and payment method used. Depending on the chosen settlement schedule, the funds are then transferred to the business's bank account within one to two business days. Przelewy24 offers flexible settlement options, including daily, weekly, or even instant settlements for high-volume businesses.

• Subscription management: Przelewy24 automates recurring billing for subscriptions and memberships.

• Advanced fraud prevention: Przelewy24's specialised fraud detection systems employ machine learning and behavioural analysis to identify and block fraudulent transactions before they occur. Businesses can customise the system's sensitivity to strike the right balance between security and low-friction transactions.

• Detailed reporting and analytics: The company provides comprehensive reports and analytics for insight into payment performance, customer behaviour, and fraud trends. This data empowers businesses to make informed decisions and optimise their e-commerce operations.

For customers

• Selecting Przelewy24: At checkout, customers spot Przelewy24 as a familiar payment option. Its user-friendly interface and number of supported payment methods make it an attractive choice.

• Choosing a payment method: Przelewy24 presents a clear and concise menu of available payment options, which include bank transfers, traditional card payments, and popular digital wallets such as PayU and BLIK.

• Completing the payment: Customers remain within their chosen payment method's secure environment throughout the process. Sensitive financial data is not passed along to Przelewy24 or the business. Bank logins, digital wallet PINs, or BLIK codes are used for authentication and authorisation.

• Payment confirmation: Upon successful payment, customers receive immediate confirmation on-screen and often via email or an SMS notification.

• Convenience: Przelewy24's payment options reduce the need to remember many passwords or enter lengthy card details. The checkout process is efficient, reducing friction and potentially increasing purchase completion rates.

• Security: Przelewy24 prioritises security with PCI DSS compliance, advanced fraud prevention measures, and secure data transmission protocols.

• Transparency: Real-time transaction confirmation and detailed payment information keep customers informed and in control throughout the payment process.

Benefits of accepting Przelewy24

Przelewy generally offers many of the same advantages of other bank transfer networks, along with some unique benefits based on the particular nature of payments in Poland, including:

Reaching more potential customers

• Expands the customer base: Przelewy24 integrates with popular e-commerce platforms and online stores and is Poland's third most recognisable payment brand. This large reach significantly expands a company's potential customer pool.

• Boosts conversion rates: Przelewy24's one-click checkout feature can increase conversion rates by minimising checkout friction and encouraging faster purchases.

• Taps into mobile payments: Poland led the EU in mobile banking transactions in 2024. Przelewy24's integration with these methods captures this lucrative, mobile-first market segment.

Improved efficiency and savings

• Streamlines payment processing: Przelewy24 automates transaction processing, eliminating manual entry tasks and reducing errors. This saves valuable time and resources for businesses.

• Reduces transaction fees: Przelewy24 offers competitive transaction fees that are often lower than traditional bank transfer charges, especially for smaller transactions.

• Faster settlements: Businesses can choose instant settlements for faster access to their funds, improving cash flow management.

Enhanced security and fraud prevention

• Advanced fraud detection: Przelewy24's fraud prevention system relies on machine learning and real-time analysis to detect and block fraudulent transactions, protecting businesses from financial losses.

• Chargeback protection: Przelewy24 offers chargeback protections to help minimise the time and fees associated with resolution.

• Lower dispute risk: Because Przelewy24 requires customers to verify each payment directly through their own bank, the chance of fraudulent or unrecognised transactions is relatively low. This means merchants deal with far fewer disputes escalating into costly chargebacks.

Higher customer satisfaction

• Convenience and choice: Przelewy24 offers a wide range of payment methods that appeal to customer preferences, increasing customer satisfaction.

• Transparency and real-time updates: Customers receive immediate confirmation of successful payments and detailed transaction information, enhancing trust and transparency.

• Strong security: Przelewy24's focus on data security and fraud prevention makes certain that customers' financial information is protected, fostering loyalty among its customers.

Przelewy24's costs and fees

Przelewy24's fee structure varies by payment method, transaction volume, and settlement option. These fees include:

Basic transaction fees

• Per-transaction fee: Przelewy24 charges a base fee per transaction depending on the type of payment.

• Fixed fee: In addition to the per-transaction fee, Przelewy24 charges a small fixed fee. This fee covers transaction processing and platform maintenance costs.

Additional fees

• Card payments: Przelewy24 charges higher fees for certain card payments, such as American Express and Diners Club. This fee covers the costs associated with card network processing.

• International payments: For transactions in currencies other than Polish złoty, Przelewy24 charges a currency conversion fee based on current exchange rates.

• Recurring payments: Przelewy24 charges a slightly higher fee for recurring payments compared to one-time transactions.

Other cost considerations

• Activation fees: There is an activation fee that's refunded if 10 transactions are completed within the first two months.

• Settlement fees: Przelewy24 offers multiple settlement options, including instant settlements. While instant settlements are convenient, they may incur additional fees compared to the standard rate, which takes one to two business days.

Other points to remember

Przelewy24's fees are generally competitive compared to other payment processors in Poland. High-volume businesses can usually negotiate lower transaction fees. A few additional fee considerations:

• BLIK payments: While BLIK is generally included in the base fee, Przelewy24 may charge a small additional fee for high-volume BLIK transactions.

• Micropayments: For very small transactions, Przelewy24 might impose a minimum transaction fee.

• High-risk transactions: Transactions deemed high-risk (e.g., due to fraud potential) might carry added risk-management fees.

• Chargebacks: If a customer initiates a chargeback, Przelewy24 might charge a fixed fee to cover the associated costs of investigating and resolving the dispute.

Przelewy24's website provides detailed information about its fees. You can also contact the sales team to discuss your transaction volume, payment methods, and preferred settlement options to better understand the exact fees that might apply to your business.

Przelewy24's security measures

Here's an overview of some of the security features in the Przelewy24 system:

PCI DSS compliance

Przelewy24 is now listed as part of Nexi Group, a publicly traded European payment company with regulatory oversight across multiple EU markets. Przelewy24 adheres to the European Union's stringent PCI DSS, a global benchmark for secure card data handling. This mandates:

• Data encryption: All sensitive data, including card numbers and card verification values (CVVs), are encrypted in transit and at rest using industry-standard algorithms like AES-256.

• Regular security audits: Independent security auditors regularly assess Przelewy24's infrastructure and processes to ensure ongoing compliance.

• Restricted access: Access to sensitive data is strictly limited and monitored, with multifactor authentication and strong password policies in place.

Advanced fraud prevention

Przelewy24 goes beyond basic efforts to detect and deter fraud. It uses a multilayered approach that includes:

• Machine learning: Complex algorithms analyse transaction data in real-time, identifying suspicious patterns and anomalies indicative of fraud.

• Velocity checks: Transactions exceeding predefined thresholds in terms of frequency or amounts trigger immediate scrutiny.

• Device fingerprinting: Unique identifiers track devices used for transactions, helping identify and block known fraudulent activities.

• Blacklist and whitelist management: Przelewy24 maintains updated lists of known fraudulent IP addresses and suspicious accounts to prevent future attempts.

Secure payment flow

Przelewy24 ensures secure communication throughout the payment process:

• Secure sockets layer (SSL) encryption: Data exchange between Przelewy24 and payment processors is encrypted using SSL/TLS protocols to keep sensitive information safe.

• Tokenisation: Sensitive card data is never stored directly on Przelewy24's servers. Instead, secure tokens are used for future transactions, minimising the risk of data breaches.

• 3D Secure: Przelewy24 supports 3D secure protocols, which require additional authentication (e.g., passwords and one-time codes) from cardholders for added security.

Data security and privacy

Przelewy24 prioritises data protection with:

• Data minimisation: Only important data is collected and stored for processing transactions, minimising the attack surface for potential threats.

• Data anonymisation: Sensitive data such as card numbers are anonymised before storage, further reducing the risk of exposure.

• Transparent privacy policy: Przelewy24 clearly outlines its data collection and processing practices in compliance with the EU's General Data Protection Regulation (GDPR) and other privacy regulations.

Continuous monitoring and improvement

Przelewy24's security measures are not static. They are continuously adapted to meet the challenges of changing cybersecurity threats:

• Threat intelligence: Przelewy24 collaborates with security experts and industry partners to stay updated on emerging fraud trends and update its systems accordingly.

• Regular penetration testing: Independent security experts conduct penetration tests to identify and address potential vulnerabilities in Przelewy24's infrastructure.

• Incident response plan: Przelewy24 has a well-defined incident response plan to swiftly address any security breaches and minimise potential damage.

Accepting Przelewy24 as a payment method

To start accepting Przelewy24 payments, businesses need to follow a set of requirements for a smooth transaction process. These requirements are designed to facilitate the transfer of payments between customers and sellers and to support numerous payment methods. Here's a closer look at what's needed:

• Online banking access: The primary requirement for using Przelewy24 is having access to online banking. Since Przelewy24 is a service linked to all major banks in Poland, it facilitates the transfer of payments through these banks. This makes it important for businesses to have online banking capabilities to manage and process these transactions effectively.

• Public merchant website: Przelewy24 requires merchants to have a publicly available website. The website must contain a list of products and services with prices, links to refund and privacy policies, and the company's legal details, such as the address, tax number, and registration number.

• Business registration and documentation: Businesses need to complete a registration process with Przelewy24. This typically involves submitting business registration documents to verify the legitimacy of the business. These documents are necessary to establish a formal relationship between the business and Przelewy24.

• Technical integration: For Przelewy24 payments to work well, businesses must integrate the service with their online platforms. This can be done using various tools and plugins provided by Przelewy24 compatible with popular e-commerce platforms like WooCommerce, Adobe Commerce, and PrestaShop. Technical documentation and mobile libraries are also available to help with this integration process.

• Complying with regulations: Businesses must understand and comply with the rules and regulations set by Przelewy24. This includes adhering to guidelines related to split payment mechanisms, so the data provided in the transfer form matches the details of the invoice issued by the business. Following these rules is important for the payment service to function properly.

• Transaction and service fee structure: Understanding the fee structure for transactions is also important for businesses. Przelewy24 charges a competitive fee for successful transactions, with no monthly fees, making it a cost-effective choice for many businesses.

• Customer service and support: Businesses should be prepared to offer customer service and support for transactions made with Przelewy24. This includes handling questions and resolving any issues that may arise during the payment process.

• Security standards compliance: Przelewy24 meets the requirements of the ISO/IEC 27001:2013 Information Security Management System standard. Businesses should verify that their systems are secure and follow these standards to protect sensitive customer and transaction data.

Accepting Przelewy24 payments with Stripe

For Poland-based businesses

• Enable Przelewy24 in Stripe: Enable Przelewy24 as a payment method in your Stripe account. This can be done by navigating to Settings → Payment methods in your Stripe Dashboard.

• Currency settings: Check that your business's currency is set to euro (EUR) or Polish zloty (PLN), as these are the currencies Przelewy24 supports.

• Integration: Integrate Przelewy24 with your online platform. This involves adding 'p24' to the list of payment_method_types when creating a new Checkout Session in Stripe.

• Compliance with terms: It's important to read and comply with the Terms of Use and the P24 Addendum provided by Stripe.

For businesses outside Poland

• Stripe account in a supported location: Your Stripe account should be set in one of the supported countries, which include the United States, Canada, Australia, and several countries in Europe.

• Enable Przelewy24: Enable Przelewy24 in the Stripe Dashboard under Settings → Payment methods.

• Currency requirements: The business's currency should be set to EUR or PLN, and all line items in a transaction must be in the same currency.

Prohibited business categories

Ten categories of businesses are prohibited from using Przelewy24 through Stripe. These include:

• Dropshipping
  
• Automotive sales
  
• Speciality food retail
  
• Pawn shops
  
• Higher education and vocational training
  
• Healthcare providers
  
• Entertainment and event promotion
  
• IT and telecommunications
  
• Advertising and marketing agencies
  
• Real estate management and brokerage
  

General considerations

Przelewy24 supports Stripe Checkout, Elements, Payment Links, and Invoicing (invite only). It does not support Stripe Checkout in subscription mode or setup mode.

• Transaction flow: Customers will choose Przelewy24 at checkout, be redirected to their bank via Przelewy24, authenticate their payment, and then be redirected back to the business's site.

• Refunds and disputes: Przelewy24 payments can be refunded for up to 180 days after the transaction. However, there's a low risk of disputes as customers authenticate payments with their banks.

• No recurring payments: Przelewy24 does not currently support recurring subscription plans with Stripe.

Alternatives to Przelewy24

Comprehensive payment gateways

• Tpay.com: Offers a wide range of services, including online payments, subscriptions, invoicing, and fraud prevention. It has a user-friendly interface and competitive pricing.

• PayU: A major player in the Polish market, PayU offers online and mobile payments, subscriptions, fraud prevention, and marketing tools. It's known for its reliability and extensive range of features.

• Dotpay: Similar to PayU, Dotpay offers online and mobile payments, subscriptions, invoicing, fraud prevention, and value-added services, such as loyalty programmes. It's known for its focus on security and customer support.

Specialised payment solutions

• Klarna: A buy now, pay later (BNPL) provider, Klarna allows customers to pay for purchases in instalments. This can be attractive for certain types of businesses, especially those targeting younger people.
  

Businesses using Stripe can accept Przelewy24 alongside other Polish payment methods through a single Stripe integration, rather than managing separate processor relationships.

How Stripe Payments can help

Stripe Payments provides a unified, global payments solution that helps any business – from scaling startups to global enterprises – accept payments online, in person and around the world.

Stripe Payments can help you:

• Optimise your checkout experience: Create a frictionless customer experience and save thousands of engineering hours with prebuilt payment UIs, access to 125+ payment methods and Link, a wallet built by Stripe.
  
• Expand to new markets faster: Reach customers worldwide and reduce the complexity and cost of multicurrency management with cross-border payment options, available in 195 countries across 135+ currencies.
  
• Unify payments in person and online: Build a unified commerce experience across online and in-person channels to personalise interactions, reward loyalty and grow revenue.
  
• Improve payments performance: Increase revenue with a range of customisable, easy-to-configure payment tools, including no-code fraud protection and advanced capabilities to improve authorisation rates.
  
• Move faster with a flexible, reliable platform for growth: Build on a platform designed to scale with you, with 99.999% historical uptime and industry-leading reliability.
  

Learn more about how Stripe Payments can power your online and in-person payments or get started today.