Accepting Visa Mobile as a merchant
Visa Mobile is a Visa wallet for online payments in Poland, operated by Visa Europe Management Services (Ireland). The shopper registers a Visa card against a phone number, in a bank's app or in the Visa Mobile app, and at checkout enters only that phone number and confirms the payment on the phone. Visa states that the service runs on Click to Pay, and in July 2025 it said Visa Mobile was available to customers of 11 banks and that Allegro and PKO Bank Polski had introduced it to their customers. For a merchant it is a Visa card payment with a different front end, and what it costs depends on which line of your PSP's price list it is booked on.
Published prices for Visa MobilePer provider, country and channel, further down this pageGo to the pricesHow to accept Visa Mobile as a merchant
You accept Visa Mobile through your PSP or acquirer, not through Visa. Visa's terms state that Visa is not a party to any transaction: the wallet transmits the card details to the merchant so that the merchant can process the payment. There is no merchant contract with Visa to sign.
In Poland ING offers Visa Mobile in its imoje gateway, Przelewy24 and Polskie ePłatności offer it within the Nexi group, and Fiserv documents it in its gateway API with VISA_MOBILE as the payment method type. dpay lists it as well and confirms availability and activation requirements during onboarding.
Rails
Underneath Visa Mobile is a Visa card payment
The shopper's card is stored in the wallet, and Visa's terms state that Visa may generate a token in place of the card number. When the shopper confirms in the app, the card details go to the merchant's PSP and the issuer decides the payment as it decides any Visa e-commerce transaction. Visa states that Visa Mobile payments are secured in the same way as any other card transaction.
The card economics therefore apply: an issuer decision, interchange and scheme fees on an interchange++ contract, and a card settlement. Przelewy24 states that the shopper keeps the right to use the chargeback scheme, and Visa's terms send refunds and disputes to the merchant and the issuer. A Visa Mobile payment is not final in the way an account-to-account transfer is.
What changes is the front end. The shopper types no card number, expiry date or CVV2 at checkout, only a phone number, and confirms on a phone secured by a PIN and, where available, biometrics.
Where Visa Mobile is used, and where it is sold
Visa's terms name Poland as the only eligible jurisdiction, and Fiserv states that the method is available in Poland only. Visa's FAQ states that the app is for online payments exclusively, so it plays no part at the point of sale. ING offers it only in its own banking app, Nest Bank and SGB in their banking apps or the Visa Mobile app, and cardholders of other banks use the Visa Mobile app. The FAQ adds that some cards cannot be added because of technical limits on the issuer's side.
Visa's FAQ also states that there are no geographical restrictions on where the shopper uses it, provided the merchant accepts it. The providers in the index offer it to merchants established in Poland. For any merchant the audience is the same: Polish Visa cardholders who have enrolled, and only your own checkout data shows how many of your shoppers that is.
Pricing
Visa publishes no merchant price, PSPs put it on the card line
Visa publishes no merchant price for Visa Mobile, because Visa does not contract the merchant. ING's imoje price list names Visa, Mastercard, Visa Mobile, Click to Pay and the Apple Pay and Google Pay wallets in one card line at 1.40%, with 0% for the first 12 months or up to 50,000 złoty for eligible new merchants under the Polska Bezgotówkowa programme, and 0% for the first three months under the standard offer. Przelewy24 lists Visa Mobile in both its card line and its e-wallet line at 1.29% plus 0.30 złoty, with an activation fee of 59 złoty refunded after 10 transactions in the first two months.
On a 50 euro order, ING's 1.40% comes to 0.70 euro and Przelewy24's percentage to about 0.65 euro plus the fixed 0.30 złoty. On 1 million euro of Visa Mobile volume at that order value, which is 20,000 orders, ING's published rate comes to 14,000 euro a year and Przelewy24's to 12,900 euro plus 6,000 złoty.
These are published list prices and the example is illustrative; the quoted rate decides what a merchant actually pays. Both are blended card rates. On an interchange++ contract a Visa Mobile payment carries the interchange and scheme fees of the card underneath plus the PSP's markup, so it should cost what the same card costs when its number is typed in.
Mix
The price gap between Visa Mobile and BLIK is set by your PSP
Visa Mobile is offered to the same Polish shopper as BLIK, and both replace card entry with a confirmation on the phone. For the merchant they sit on different price lines. ING prices BLIK at 1.59%, which includes the 0.19% BLIK system fee, against 1.40% on the card line that carries Visa Mobile. Przelewy24 prices both at 1.29% plus 0.30 złoty.
Take 5 million euro of Polish online turnover, of which 1 million euro moves from BLIK to Visa Mobile. At ING's published rates that million costs 15,900 euro a year as BLIK and 14,000 euro as Visa Mobile, a difference of 1,900 euro. At Przelewy24's published rates the difference is zero. Whether Visa Mobile earns a higher place in your checkout is answered by your own price list, and on interchange++ by the debit and credit mix of the cards your shoppers enrol.
Contract
Fix in writing which price line Visa Mobile is booked on
Przelewy24 lists Visa Mobile twice, on its card line and its e-wallet line, at the same price today. ING lists it on its card line. Visa itself tells shoppers who do not see Visa Mobile at checkout to look under other payment categories. The classification differs per provider, and the classification decides the rate.
If you have negotiated an interchange++ contract or a card rate below the list price, ask your PSP to confirm in writing that Visa Mobile payments are billed at that card rate and not at a wallet or alternative method rate, that they appear in the settlement report as Visa card transactions with the card type, so that reconciliation runs through the card process, and that a Visa Mobile chargeback follows the Visa rules you already work with.
A Visa Mobile payment waits for the shopper's phone
Fiserv's API documentation describes the flow. The merchant sends the shopper's registered phone number, the transaction comes back with the status WAITING, and the merchant asks for the result until the status changes. If the shopper does not confirm within five minutes, the request times out and the transaction is cancelled.
That makes order handling a design point. An order should stay pending, with stock reserved, until the status changes, and an expired request should take the shopper back to the choice of payment method rather than to an error. Visa's FAQ also states that the app sets no payment limit but that a shop or gateway may set one, and that a shopper who changes phone number has to delete the account and register again. Part of the failed attempts on this method can therefore come from enrolment, not from issuer declines.
Which payment providers support Visa Mobile
In the index, Fiserv (Clover), ING and Nexi offer Visa Mobile to merchants established in Poland. ING offers it in its imoje gateway, Nexi through Przelewy24 and Polskie ePłatności, and Fiserv in its gateway API. dpay lists it as well. There is no direct contract with Visa.
The questions to put to each are the same: which price line Visa Mobile falls on, whether your negotiated card rate applies to it, how it appears in settlement, and how long the checkout waits for the shopper's confirmation.
Retail Payment Methods Transparency Index
Published prices for Visa Mobile, per provider
3 providers in the index offer Visa Mobile to merchants established in Europe, and 2 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 Visa Mobile in: Poland.
| Provider | Per transaction | Channel |
|---|---|---|
| Fiserv (Clover) Merchants in Poland | No price published | Online |
| ING Merchants in Poland | Payment cards (Visa, Mastercard, Visa Mobile, Click to Pay cards and in Apple Pay and Google Pay digital wallets): 1.40%; with Programme Polska Bezgotówkowa (companies that for at least 12 months have had no active agreement with another payment operator, have not accepted online cashless payments and have not taken part in the programme before): 0% for the first 12 months or up to PLN 50,000, then 1.40% from month 13; standard offer (companies that have already used a payment gateway): 0% for the first 3 months, then 1.40% from month 4; activation fee PLN 0.00; subscription fee PLN 0.00; refund fee PLN 0.00; payout fee PLN 0.00Percentage, tiered | Online |
| Nexi Merchants in Poland | Przelewy24: 1.29% + PLN 0.30; one-off activation fee PLN 59 (refunded after 10 transactions in the first two months); monthly subscription PLN 0Percentage plus fixed amount, plus subscription | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 28 September 2026 and 12 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 Visa Mobile costs you
What you pay for Visa Mobile is set in your agreement with your PSP or acquirer, not by Visa. Start by establishing whether you are overpaying your PSP, and where Visa Mobile carries a material share of your Polish volume, check that it is billed at your card rate before you renew.
Relevant markets: Poland
Payment set-up check
Selling to shoppers in Poland? Let's check which price line Visa Mobile sits on in your contract.
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
