Przelewy24

 

Przelewy24 is Poland’s leading online payment gateway, founded in 2004 and now holding 91% brand recognition among Polish consumers. It connects to over 165 Polish banks and is accepted by more than 150,000 merchants worldwide, processing the majority of Polish e-commerce transactions. At checkout, customers select their bank from the Przelewy24 interface, authenticate through their online banking environment, and confirm the payment. The transaction is processed in real time and the merchant receives immediate confirmation.

Przelewy24 functions as both a payment gateway and a PSP, aggregating multiple Polish payment methods under one integration. Beyond standard bank transfers, it supports BLIK, card payments, and a range of other local Polish payment options, making it a practical single-integration route to comprehensive Polish payment coverage for merchants who do not want to manage multiple separate integrations.

With 91% consumer brand recognition and integration with the full spectrum of Polish banks, Przelewy24’s absence from a Polish-facing checkout is a direct conversion risk. Polish consumers are accustomed to seeing it at checkout and actively look for it. Its average transaction ticket is around €50, and its user base skews toward the 25 to 45 age range, reflecting its dominance in the mainstream Polish e-commerce demographic.

On cost, Przelewy24’s standard transaction fee is 1.9% for most payment methods, with no setup fees or monthly maintenance costs. Rates vary by payment channel and can decrease with higher monthly volumes. For international merchants accessing Przelewy24 through PPRO or other aggregating PSPs, the effective rate will include the intermediary’s margin on top.

Transactions are settled in Polish Zloty (PLN). For non-Polish merchants, currency conversion to EUR or another settlement currency is handled at the PSP level, with applicable FX costs depending on the provider and contract.

PSP access is available directly through Przelewy24, or via aggregators including PPRO, PayU, Dotpay, and Mollie, as well as through global providers with Polish market coverage. Non-Polish merchants can access Przelewy24 without a local Polish entity through most of these providers.

Relevant markets: Poland