Payment methods
Payment methods in Poland: BLIK, pay-by-link transfers, cards and pay later
Polish online shoppers pay mainly with BLIK, a six-digit code confirmed in the banking app: BLIK processed 1.4 billion online payments worth PLN 219 billion in 2025. Pay-by-link bank transfers, usually through Przelewy24, cards and pay later complete the mix. A merchant selling to Poland should offer BLIK first, then pay-by-link and cards, with prices in PLN.
At a glance
| Currency | PLN |
|---|---|
| BLIK active accounts | 20.7 million at the end of 2025 |
| BLIK online | 1.4 billion payments worth PLN 219 billion in 2025 |
| Pay-by-link | Przelewy24, operated by PayPro S.A. (KNF register IP24/2014) |
| Cards | Visa and Mastercard, mostly for international shoppers |
Which payment methods do shoppers use in Poland?
BLIK is the leading online method in Poland. Polski Standard Płatności reported 20.7 million active accounts at the end of 2025 and 2.9 billion transactions, nearly half of them online.
Pay-by-link transfers, where the shopper picks their bank and approves a prefilled transfer, are bundled by gateways such as Przelewy24 together with BLIK and cards.
| Method | Type | Typical use | Confirmation |
|---|---|---|---|
| BLIK | Six-digit code approved in the banking app | Most online purchases | Real time |
| Pay-by-link transfer | Bank transfer via a gateway | Shoppers without BLIK, higher baskets | Real time to same day |
| Cards | Visa, Mastercard and wallets | International shoppers | Real time, chargebacks possible |
| Pay later | BLIK Pay Later and BNPL providers | Fashion, electronics | Merchant paid by provider |
Can BLIK be used outside Poland?
BLIK payments are in PLN; in 2026 BLIK started a pilot for euro payments with Slovak online shops as part of European interoperability.
What should a merchant check before selling to Poland?
Before going live, check these points with your payment provider and test the full flow on mobile:
- Offer BLIK first, then pay-by-link and cards.
- Price in PLN; a euro-only checkout loses Polish shoppers.
- Test the BLIK code flow on mobile and desktop.
- Send refunds through the provider back to the shopper's account.
How do you offer Polish payment methods through OrsunPay?
OrsunPay is a payment orchestration platform: you keep your own contracts with licensed providers (for example Stripe, Adyen or Worldpay), and OrsunPay is not a payment institution, acquirer or merchant of record and does not hold or transmit funds. Through OrsunPay you can offer BLIK, pay-by-link transfers, cards and pay later by connecting providers that support them, show them in the hosted checkout and payment links, and route each payment by country, currency and method. For OrsunPay pricing, see the pricing page at /pricing.
Frequently asked questions
What is the most popular online payment method in Poland?
BLIK, with 1.4 billion online payments worth PLN 219 billion in 2025.
Do I need a Polish company to accept BLIK?
No. You can offer BLIK through a payment provider that supports it.
What is pay-by-link?
A bank transfer started from the checkout: the shopper chooses their bank and approves a prefilled transfer in online banking.
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Talk to our teamSources
- BLIK: nearly 3 bn BLIK transactions in 2025 (February 2026) (checked 2 November 2026)
- BLIK: BLIK users gain access to e-commerce in the eurozone (April 2026) (checked 2 November 2026)
- Przelewy24: about PayPro S.A. and KNF registration (checked 2 November 2026)