Przelewy24: how to accept the Polish online payment method
Przelewy24 is Poland's online payment system, run by PayPro since 2004: it links the merchant to more than 200 banks of the country and integrates with BLIK, the mobile standard. The customer pays with a bank transfer authorised in their own banking app, with no card involved. This guide covers the flow, checkout activation and costs compared with a flat rate.
Przelewy24: flat rate versus IC++ (estimated monthly cost)
| Offer | €2,000/month | €7,000/month | €22,000/month |
|---|---|---|---|
| Provider flat rate (2.2%) | €44 | €154 | €484 |
| Typical Przelewy24 (1.9%) | €38 | €133 | €418 |
| RoxPay IC++ (€0.15 + 0.35%-0.85%) | €13-23 | €45.50-80.50 | €143-253 |
Estimates with a €50 average ticket (40, 140 and 440 transactions); the flat rows assume public-list percentages, the RoxPay row refers to the card flow.
What Przelewy24 is and how it works
Przelewy24 (often shortened to P24) is a Polish payment aggregator founded in 2004, headquartered in Poznań and operated by PayPro SA. The method connects the merchant to Polish banks: the customer picks P24 at checkout, selects their bank from the list and completes the order with a transfer authorised in the bank's app or home banking.
It is a push payment flow: no card data, authorisation inside the bank's environment, real-time order confirmation. P24 also supports BLIK, the Polish mobile system: customers with BLIK pay with the six-digit code or QR, skipping the bank list. With over 200 connected banks, P24 covers practically the whole Polish banking market, from the giant PKO BP to digital players.
The payment flow: redirect, BLIK and confirmation
At checkout the Polish customer selects Przelewy24 and lands on a bank selection page: among the names are PKO BP, mBank, ING Bank Śląski, Santander Bank Polska, Pekao and the rest. After the choice, a redirect takes them into the banking environment, where they authorise the transfer with their own credentials. The merchant receives payment confirmation right after and ships without waiting.
The BLIK variant shortens the path: the customer generates the code in the banking app, types it into the dedicated field or scans the QR, and confirms. For e-commerce the practical value is continuity: the payment stays inside the order flow and confirmation arrives before shipping. Selling into Poland without P24 or BLIK asks the customer to use a card, a leap many do not take.
How merchants accept Przelewy24 at checkout
A European merchant needs a gateway whose acquiring supports Przelewy24: no Polish company or local account. The method is enabled by contract and the checkout shows it to customers with a Polish IP or shipping address, or to everyone ordered by country.
Settlement typically lands within 1 business day after collection, under the contract terms. Refunds go out as a bank transfer to the customer's IBAN, because there is no card network to reverse on. Before activation, weigh the total cost of the method: our payment gateway fees analysis shows how flat rates weigh on volume ([fees comparison](/en/resources/payment-gateway-fees-comparison)).
Costs: flat percentage versus IC++ pricing
Providers price Przelewy24 usually with a flat percentage per transaction, typically between 1.5% and 2.5%, or with a per-operation fee in dedicated price lists. The percentage is predictable but opaque: the merchant cannot see the real network cost behind the single number.
With IC++ pricing the components are itemised: interchange, scheme fee and markup stay visible instead of merging into one number. With RoxPay's pricing, €0.15 + 0.35% to 0.85% (IC++), the merchant knows the cost item by item on the card flow and compares it with the tariff of the Polish bank methods. The table below estimates the monthly cost across three volumes with a €50 average ticket.
The Polish market: banks, BLIK and search demand
The Polish banking system is among the most digitised in Europe: PKO BP, mBank, ING Bank Śląski, Santander Bank Polska and Pekao serve tens of millions of customers through heavily used apps. In this context BLIK has become the country's mobile standard, and Przelewy24 is its natural e-commerce channel alongside direct bank transfer.
Search demand confirms it: Przelewy24-related queries exceed 40,000 searches per month in Poland. For an e-commerce selling into Poland, offering P24 and BLIK cuts checkout friction: the customer pays in the environment they already use every day, without typing card details. For manual sales or quotes, a payment link covers the flow: our [payment link guide](/en/resources/payment-link-generator) explains activation.
Frequently Asked Questions
What is Przelewy24?
Poland's online payment system operated by PayPro SA since 2004: it connects the merchant to over 200 banks of the country with a bank transfer authorised in the customer's banking app or home banking.
Is Przelewy24 a bank transfer or a card?
It is a bank transfer with instant confirmation: the customer authorises inside their own bank's environment and the merchant receives confirmation in real time. No card data in the flow, no card network.
What is the difference between Przelewy24 and BLIK?
BLIK is the Polish mobile system: the customer generates a code in the banking app and confirms on the spot. Przelewy24 is the channel that aggregates the banks: with P24 the customer selects the bank and authorises the transfer. Many stores offer both together.
How much does it cost to accept Przelewy24?
Providers usually apply a flat percentage between 1.5% and 2.5% per transaction. With RoxPay the card flow follows the declared IC++ pricing, €0.15 + 0.35% to 0.85%: every component is visible.
Does Przelewy24 have chargebacks?
No. The payment is a push payment authorised inside the customer's bank: there is no card-network chargeback. Disputes are handled with refunds by transfer and clear return policies.
You might also like
High Risk Payment Gateway
Secure payment processing for high-risk industries with multi-acquirer routing and chargeback protection.
Small Business Payment Solutions
Transparent IC++ pricing, free Smart POS terminal, and 24-hour activation for small businesses.
E-commerce Payment Integrations
One-click plugins for WooCommerce, Magento, and PrestaShop with full API access.
Optimize your payments today
Integrate the RoxPay gateway into your e-commerce. Complete API documentation and dedicated technical support. Get started at /en/contact.
✓ No monthly fixed costs · ✓ Activation in 24 hours · ✓ Dedicated technical support
