Accepting PayPo as a merchant
PayPo is a Polish buy now, pay later provider. PayPo sp. z o.o., based in Warsaw, was authorised by the Polish Financial Supervision Authority on 26 July 2024 to provide payment services as a domestic payment institution. The shopper pays PayPo within 30 days at no extra cost, or in instalments, and PayPo pays the shop. PayPo states that it is available in over 36,000 shops and trusted by over 2 million Poles. In Romania it runs through PayPo Plăți Amânate IFN S.A. For a merchant two things matter: a Polish gateway such as Przelewy24 prices PayPo on the same list as cards and transfers, at a premium you can read, and the money moves on your confirmation of the order.
Published prices for PayPoPer provider, country and channel, further down this pageGo to the pricesHow to accept PayPo as a merchant
You can contract PayPo directly and connect it through its own API, in which you register the transaction, receive PayPo's decision and confirm the order. Or you take it through a PSP or Polish payment gateway that carries it, such as PayU, Przelewy24 or Adyen.
Through a gateway PayPo sits inside a payment list you already run. PayPo's own shopper page says the shopper finds PayPo after choosing the payment gateway, in the list of banks. That keeps integration light, and it puts PayPo on the gateway's price list rather than in a separate agreement.
Model
PayPo extends the credit, and decides who gets it
PayPo's API documentation describes the sequence. The shopper chooses PayPo, PayPo verifies the shopper's financial credibility, and the transaction is either accepted or rejected. An accepted transaction is deferred, the shopper returns to your shop, and later repays PayPo on PayPo's terms, within 30 days at no extra cost or in instalments.
A rejection is a credit decision, not a technical failure, so it does not show up in an authorisation rate the way a card decline does. Directive (EU) 2023/2225 applies from 20 November 2026 and narrows the exemptions for short, interest-free consumer credit. PayPo carries the licence and the assessment; what you see is how many shoppers it accepts at that step.
Where PayPo works, online and in store
Adyen lists PayPo for Poland, in Polish zloty. PayPo also runs a Romanian site, paypo.ro, operated by PayPo Plăți Amânate IFN S.A., which is entered in the General Register of the National Bank of Romania.
In store the picture is different. PayPo's app carries a virtual PayPo payment card, issued under Visa, which the shopper can use in the app or a digital wallet in physical shops. For you that is a Visa card payment on your terminal, at your card rate. It is not a PayPo acceptance and it does not appear as PayPo in your reconciliation.
Pricing
PSPs publish PayPo at gateway rates
For a direct contract the price sits in your agreement with PayPo. Through a PSP the rate is printed. Adyen publishes 0.11 euro plus 1.50%. PayU publishes 1.1% plus 0.30 zloty for deferred payments, naming PayPo, with an activation fee of 29 zloty and an individual offer above 800,000 zloty of turnover. Przelewy24, part of Nexi, publishes 1.5% plus 0.30 zloty. dpay publishes 0.99% with a minimum of 0.20 zloty, and IdoPay prices by plan, from 1.55% on Start to 1.19% on Enterprise.
On an order worth the equivalent of 100 euro that is 1.61 euro at Adyen, 1.10 euro plus 0.30 zloty at PayU, 1.50 euro plus 0.30 zloty at Przelewy24, 0.99 euro at dpay, and between 1.55 euro and 1.19 euro at IdoPay depending on the plan.
These are published list prices and the comparison is illustrative; your quoted rate decides what you actually pay. The range is narrow, and that makes the details count: the fixed fee in zloty, the activation fee, the plan threshold and the turnover at which an individual offer starts.
Premium
Read the premium on the same price list
Przelewy24 prints PayPo and the methods it competes with on one list. Cards, Google Pay, Apple Pay, BLIK and online transfers stand at 1.29% plus 0.30 zloty; PayPo stands at 1.5% plus 0.30 zloty. The fixed fee is the same, so the premium for deferral is 0.21 percentage points of every PayPo order.
Take PayPo turnover equivalent to 2 million euro a year. At 1.5% that is 30,000 euro in percentage fees, at 1.29% it would be 25,800 euro. The premium is 4,200 euro a year, whatever the average order value, because the fixed fee does not differ. That figure, not the headline rate, is what to put on the table at renewal, together with the share of those orders that would otherwise have been paid by BLIK or transfer.
Payout
The money moves on your confirmation, so fix the timing in writing
In PayPo's API an accepted transaction is not yet ready to be cleared. You confirm the order by setting its status to completed, and only then is it ready for settlement; a settled transaction is marked paid. The documentation states that funds are transferred after that status update, within the time limit stipulated in the contract. Confirmation can be set per payment, with the autodelivery parameter, and that configuration is set at the merchant's request.
Two further rules follow. PayPo may cancel unconfirmed orders after a given time, and a confirmed transaction can no longer be cancelled, only refunded. Put three things into the contract: how long you have to confirm before PayPo cancels, the payout term after confirmation, and whether confirmation is automatic or tied to dispatch. Each is a cash and customer service decision, not an integration detail.
An order can shrink, but it cannot grow
PayPo's API documentation states that, due to the nature of deferred payment, the order value cannot be increased. A substitution at a higher price, an added item or a shipping correction upward needs a new transaction. The amount can only come down, through full or partial refunds, and several partial refunds are allowed as long as together they do not exceed the order value.
The route adds its own limits. Adyen supports separate capture and refunds, including multiple partial refunds, but not partial or multiple partial captures, so an order shipped in parts cannot be captured in parts on that route. Adyen also lists chargebacks as not supported. Check how your order management handles split shipments and price changes before PayPo goes live on a basket where they are common.
Which payment providers support PayPo
In the index, Adyen, dpay, HotPay, IdoPay, ING, Nexi (Przelewy24) and PayU offer PayPo to merchants established in Europe. You can also contract PayPo directly through its API.
The questions to put to each are the same: the rate against the same provider's rate for cards, BLIK and transfers, the fixed fee in zloty, how confirmation and payout are timed, how a partial shipment is captured, and what happens to an order that changes value.
Retail Payment Methods Transparency Index
Published prices for PayPo, per provider
7 providers in the index offer PayPo to merchants established in Europe, and 5 of them publish a price.
Each rate is shown as the provider prints it, and the provider's name links to the page it was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.
The country where your business is established and from which you sell. Shoppers pay with PayPo in: Poland, Romania.
Includes the prices providers publish for merchants anywhere in the EU, marked EU-wide.
| Provider | Per transaction | Channel |
|---|---|---|
| Adyen Merchants anywhere in the EU | €0.11 + 1.50%Processing fee + Percentage | Online |
| Adyen Merchants in the United Kingdom | £0.11 + 1.50%Processing fee + Percentage | Online |
| Adyen Merchants in Norway | €0.11 + 1.50%Processing fee + Percentage | Online |
| Adyen Merchants in Poland | €0.11 + 1.50%Processing fee + Percentage | Online |
| dpay (Payments Lab) Merchants in Poland | 0.99%, min. PLN 0.20Percentage, with minimum | Online |
| HotPay Merchants in Poland | No price published | Online |
| IdoPay (IdoPayments sp. z o.o.) Merchants anywhere in the EU | Start: 1.55%; Business: 1.49%; Expert/Expert+: 1.49%; Enterprise: 1.19%; Individual: negotiablePercentage, tiered | Online |
| IdoPay (IdoPayments sp. z o.o.) Merchants in Poland | Start: 1.55%; Business: 1.49%; Expert/Expert+: 1.49%; Enterprise: 1.19%; Individual: negotiablePercentage, tiered | Online |
| ING Merchants in Poland | No price published | Online |
| Nexi Merchants in Poland | Przelewy24: 1.50% + PLN 0.30; account activation: PLN 59 one-off (refunded after 10 transactions in the first two months); subscription: PLN 0Percentage plus fixed amount, plus subscription | Online |
| PayU Merchants in Poland | Deferred payments (Twisto, PayPo): PLN 0.30 + 1.10% per transaction (shown against 1.49%); registration activation fee PLN 29 (previously PLN 199); individual offer above PLN 800,000 turnoverPercentage plus fixed amount | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 22 September 2026 and 7 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
Reviewing what PayPo costs you
What you pay for PayPo is set in your agreement, not by a scheme. Start by establishing whether you are overpaying your PSP, and if PayPo carries a material share of your Polish volume, set its rate against the same provider's rate for BLIK and transfers before you renew.
Relevant markets: Poland, Romania
Payment set-up check
Selling to shoppers in Poland? Let's check what PayPo adds to your PSP costs.
Enter your webshop. The check sets your checkout against what shoppers in each of your markets expect, and names the gaps. If you want, it then calculates what those gaps cost you in euros.
Ramon Helwegen
