Payment methods
Przelewy24 (P24): what it is and how merchants accept it
Przelewy24, often shortened to P24, is a Polish online payment provider operated by PayPro S.A., a payment institution supervised by the Polish Financial Supervision Authority and part of the Nexi Group. Its payment page bundles pay-by-link transfers from Polish banks, BLIK, cards and wallets, so shoppers pay with the method they know. Merchants contract P24 directly or reach it through an international PSP.
At a glance
| Operator | PayPro S.A., Poznań; domestic payment institution in the KNF register (IP24/2014) |
|---|---|
| Group | Nexi Group, after Nets took a 51% stake in 2019 and merged with Nexi in 2021 |
| Merchants | More than 60,000 merchant accounts, according to Przelewy24 (January 2026) |
| Methods inside P24 | Bank pay-by-link transfers, BLIK, BLIK Pay Later, cards, Apple Pay, Google Pay, Visa Mobile, PayPo, instalments |
| Currencies | PLN; EUR and other currencies for cards; Czech transfers in CZK and Slovak transfers in EUR |
| Published fees | 1.29% + PLN 0.30 per BLIK, online transfer, card or wallet payment on the P24 standard price list; 1.9% + PLN 1.00 for P24 on Stripe's Poland price list (both checked 1 November 2026) |
| Chargebacks | None for bank transfers; refunds are new credits to the shopper's account |
| Availability via OrsunPay | Available through a connected PSP that offers Przelewy24, such as Stripe or Adyen |
Przelewy24 compared with BLIK and Pay by Bank
| Method | What it is | Shopper flow | Currency | Refunds |
|---|---|---|---|---|
| Przelewy24 | Polish payment service bundling bank transfers, BLIK, cards and wallets | Picks a bank or method on the P24 page, approves in online banking | PLN; EUR, CZK and others for some methods | New credit to the shopper's account |
| BLIK | Bank-run mobile payment method | Six-digit code from the banking app, approved in the app | PLN | Sent by the merchant to the shopper's account |
| Pay by Bank | Open banking account-to-account transfer | Approves a pre-filled transfer in the banking app | EUR, GBP and other local currencies | New transfer from the merchant |
| OrsunPay (our product; orchestration layer, not a provider) | Payment orchestration platform: connects your PSP accounts through one integration | Shows the methods your connected PSPs support | Whatever your connected PSPs support | Refunds sent back through the PSP that took the payment |
What is Przelewy24?
Przelewy24 means "transfers 24" in Polish. It started as a pay-by-link service: the shopper picks their bank, logs in and confirms a pre-filled transfer, and the merchant gets a confirmation in seconds instead of waiting for a manual transfer. Over two decades it added BLIK, cards, wallets and deferred payments, and today it is one of the largest payment operators in Polish e-commerce.
The platform is run by PayPro S.A., a domestic payment institution authorised by the KNF. In 2019 Nets formed P24 Dotcard with Przelewy24, Dotpay and eCard, and after the Nets and Nexi merger in 2021 P24 became one of the Nexi Group's Polish businesses. Przelewy24 reports more than 60,000 merchant accounts.
Which payment methods does Przelewy24 include?
A single P24 integration exposes several methods on one payment page. Which ones appear depends on the contract and on whether you connect directly or through another provider.
- Online bank transfers (pay-by-link) from Polish banks.
- BLIK, including BLIK Pay Later.
- Visa and Mastercard cards, Click to Pay, Apple Pay, Google Pay and Visa Mobile.
- Deferred and instalment payments: PayPo, Przelewy24 Raty, and Spingo for business buyers.
- Online transfers for Czech shoppers in CZK and Slovak shoppers in EUR.
How does a Przelewy24 payment work?
For a bank transfer the flow is a classic redirect, similar to iDEAL in the Netherlands.
- Choose Przelewy24 The shopper selects Przelewy24 or a specific bank at checkout.
- Pick a bank On the P24 page the shopper chooses their bank or another method such as BLIK.
- Confirm The shopper logs in to online banking and approves the pre-filled transfer.
- Notification P24 confirms the payment to the merchant's system, usually within seconds, and the shopper returns to the shop.
How much does Przelewy24 cost?
Direct contracts follow the Przelewy24 standard price list, while international PSPs charge their own price for P24. The figures below were checked on the official pricing pages on 1 November 2026. Merchants with larger monthly online sales can ask P24 for an individual offer.
| Item | P24 direct | Stripe (Poland) |
|---|---|---|
| Online bank transfer | 1.29% + PLN 0.30 | 1.9% + PLN 1.00 |
| BLIK | 1.29% + PLN 0.30 | 1.6% + PLN 1.00 (separate method) |
| Cards | 1.29% + PLN 0.30 | Card pricing applies |
| Currency conversion | Card payments in EUR or CZK 2% | Extra 2% when conversion is needed |
Should a foreign merchant contract P24 directly or use an international PSP?
Przelewy24 states that it serves merchants in more than 50 countries, and a foreign company can sign up online. A direct contract gives the lowest published rate and the full method list, but adds another settlement account and another integration to maintain.
An international PSP such as Stripe or Adyen offers P24 as one method in an existing account. Stripe accepts P24 in PLN and EUR for accounts in about 40 countries and settles on T+2, but excludes several categories, including travel, marketplaces and software. German, Czech and Ukrainian merchants with modest Polish volume often start this way and move to a direct contract as volume grows.
Refunds, settlement and reconciliation
A bank transfer cannot be charged back, so P24 refunds are new credits to the shopper's account referencing the original payment. Through Stripe they take up to three business days and can be issued for 180 days. Tell shoppers when you refund, because the credit is not labelled as a refund on every statement.
Reconcile with the P24 reference attached to each payment, and price in PLN where possible so that the amount the shopper confirms matches the order.
How can I add Przelewy24 through OrsunPay?
Przelewy24 is available via OrsunPay. You connect a PSP account that offers P24, such as Stripe or Adyen, and OrsunPay shows it to Polish shoppers next to BLIK and cards, including in payment links. OrsunPay is a payment orchestration platform that connects you to licensed PSPs; it does not process or hold funds itself.
Fees and settlement stay with the PSP you connect. OrsunPay plans are on the pricing page; to check whether your PSP setup covers P24, use the contact page.
- Status and refund events from every connected PSP arrive in one webhook format.
- Show P24 for PLN baskets or Polish shoppers only.
- Smart routing and retries are live for card payments across your connected PSPs.
Frequently asked questions
Przelewy24: what is it?
Przelewy24, or P24, is a Polish online payment service operated by PayPro S.A., a payment institution supervised by the Polish Financial Supervision Authority (KNF) and part of the Nexi Group. Its payment page lets shoppers pay by bank transfer, BLIK, card or wallet, so a shop gets the main Polish methods through one integration.
Is Przelewy24 a bank?
No. Przelewy24 is not a bank and does not hold the shopper's account. PayPro S.A., which runs it, is a domestic payment institution in the KNF register. The shopper's own bank moves the money, and Przelewy24 passes the confirmation and the funds on to the merchant under its contract.
Is Przelewy24 safe?
It is regulated: PayPro S.A. is a licensed payment institution supervised by the KNF, and shoppers confirm each payment in their own bank's online banking or app. The merchant never sees the shopper's banking credentials, and each transaction has a P24 reference that both sides can look up later.
What are Przelewy24 fees?
On 1 November 2026 the Przelewy24 standard price list showed 1.29% + PLN 0.30 per BLIK, online transfer, card or wallet payment, with currency card payments at 2% and more. Through Stripe in Poland, P24 cost 1.9% + PLN 1.00. Larger merchants can negotiate individual rates.
Can I get a refund through Przelewy24?
Yes. Bank transfers cannot be charged back, so the merchant sends a refund that arrives as a new credit to the shopper's account and references the original payment. Through Stripe, P24 refunds can be issued for up to 180 days and take up to three business days to arrive.
Is Przelewy24 the same as BLIK?
No. BLIK is a payment method run by Polish banks inside their mobile apps. Przelewy24 is a payment service whose page offers BLIK alongside bank transfers, cards and wallets. A merchant can get BLIK through Przelewy24 or separately through another PSP that supports BLIK.
Can foreign merchants accept Przelewy24?
Yes. A company outside Poland can contract Przelewy24 directly or enable P24 through an international PSP such as Stripe or Adyen. The shoppers must bank in Poland, or in Czechia or Slovakia for the local transfer options, and most payments are in złoty.
Can I accept Przelewy24 through OrsunPay?
Yes. Przelewy24 is available via OrsunPay through a connected PSP that offers it, such as Stripe or Adyen. OrsunPay adds P24 to your checkout and payment links and passes status and refund events to your systems, while the PSP processes the payment. Plans are on the pricing page.
Explore OrsunPay
Talk to our teamSources
- Przelewy24: about PayPro S.A. and KNF registration
- Przelewy24: Nexi Group changes at PeP and PayPro (January 2026)
- Stripe documentation: Przelewy24 payments
- Przelewy24: standard price list (checked 1 November 2026)
- Stripe: local payment method pricing, Poland (checked 1 November 2026)