Przelewy24: A Key Payment Solution in Poland

Please note that some of the information about Przelewy24 in this article was sourced from its official website on 25th April 2025. This information is subject to change.

With over 400 payment options and integration with more than 165 banks, Przelewy24 has established itself as a trusted and recognizable payment solution within Poland. As a market-player for over 20 years, it is a true e-payment specialist and expert in setting trends on the payment market.

In this article, we explore how Przelewy24 works, its benefits, and how it compares to other payment solutions like Noda.

What is Przelewy24?

Przelewy24 is one of the largest online payment operators in Poland, designed to facilitate quick and secure transactions for e-commerce.

It supports various payment methods, including bank transfers, credit and debit card transactions, mobile payments, and digital wallets.

Established back in 2004, it has a long standing in the market and a reported 91% recognisability within Poland. It’s integration with over 165 banks has seen Przelewy24 become a preferred payment method country wide.

How does Przelewy24 work?

Przelewy24 operates as a payment service provider (PSP) that enables merchants to accept real-time bank payments plus a wide array of seamless, digital transactions.

After registering with Przelewy24 and choosing the preferred payment methods, ready-made modules, APIs (Application Programming Interface) and plugins are installed on the business website. According to Przelewy24, businesses can typically start accepting payments on the same day. However, this is not guaranteed as the same document checks and onboarding process must be completed, just like with any other PSP.

The Przelewy24 payment method works like this:

• Transaction Initiation: At customer checkout, the business sends encrypted transaction data (order details, amount, payment method) to Przelewy24's secure servers.
• Payment Processing: Przelewy24, as a trusted intermediary, directs customers to their chosen payment method's secure interface, such as a bank login portal, a digital wallet or a Przelewy24 BLIK code-generation screen. Przelewy24 communicates with the chosen payment processor for authentication and payment authorisation; typically through bank logins, biometrics, digital wallet PINs or BLIK codes.
• Settlement: Upon successful payment, Przelewy24 sends real-time confirmation to both the business and customer, and transfers funds to the business's bank account within one to two working days, offering flexible settlement options (daily, weekly, or instant settlement in some cases).

How to pay with Przelewy24 bank payments (for customers):

1. Select Payment Method: Customers choose Przelewy24 at checkout.
2. Bank Selection: They select their bank from a dropdown list.
3. Redirection: Customers are redirected to their banking app or online banking page.
4. Authentication: They provide their banking credentials and complete the payment.
5. Confirmation: Customers receive immediate on-screen confirmation of successful payment and often via email or an SMS notification.

This process is designed to be intuitive, secure and quick, leveraging advanced encryption standards to protect user data. Sensitive financial data is not passed on to Przelewy24 or the business.

What payment methods does Przelewy24 support?

Przelewy24 supports a vast and varied amount of online payment methods, to meet both consumer and business needs:

• BLIK: Fast and secure payments with a six-digit code generated in a banking app.
• Online Transfers: Direct bank transfers from over 165 banks.
• Payment Cards: Accepts Visa, MasterCard, and other major cards.
• Visa Mobile: Visa's new mobile payment method. Pay with your phone number.
• Digital wallets: E-payments via smartphone/device, such as Apple Pay, Google Pay, PayPal, SkyCash and more.
• Pay Later: Boost the conversion in your store thanks to payments deferred up to 30 days with PayPo.
• E-instalments: Enables easy and quick subscription models and recurring payments for regular transactions.
• Multi-currency Transactions: Platform for handling payments by bank transfer and card for over 50 currencies.

Businesses considering how to use Przelewy24 for online payments can select the best fit solutions for their customer base and offer multiple checkout options for enhanced flexibility and transaction convenience.

Przelewy24 also offers a point-of-sales (POS) terminal for in-person payments, with most of the same checkout options as online (cards, digital wallets, BLIK, etc.).

What countries support Przelewy24?

Przelewy24 is used for payments within Poland, but the payment method aggregator also offers services in over 50 countries to enable businesses to target Polish customers internationally.

Polish costumers have a notable preference for bank transfers, and low card usage at POS, accounting for just 9%. The Przelewy24 banks network, made up of 165 institutions, consists of Polish banks or Polish branches of international banks (PKO Bank Polski, ING Bank Śląski, Santander Bank Polska). Considering the Polish customer preference for bank transfers–card usage at POS accounts for just 9%–it offers a convenient, far-reaching option for the Polish market, and utilises some core elements of open banking. 

However, a wholly open banking payment service provider like Noda can offer broader geographical coverage with comprehensive currency support, more flexible integration options and advanced transaction optimisation.

Why Noda delivers more: Open banking vs. Przelewy24

Noda vs. Przelewy24:

Noda’s open banking payment solution gives merchants direct access to bank payments across multiple markets, expanding payment options without relying on region-specific systems. This allows businesses to operate more flexibly on a global scale while ensuring secure, efficient transactions.

Key benefits of open banking with Noda

• Instant Settlement: Noda’s open banking solution ensures faster access to funds, improving cash flow management.
• Lower Transaction Costs: Bypass expensive card network fees and reduce costs by up to 80%.
• Seamless API Integration: Streamlined onboarding with minimal technical overhead, or simple integration via e-commerce platform plugins.
• Plenty of payment solutions: Instant bank payments via various methods including QR codes, payment links, branded payment pages. Payouts and card payment processing is available as well.
• Easy onboarding and a dedicated personal manager: 24/7 support.
• Bank-Grade Security and Compliance: Adheres to stringent regulatory standards for secure transactions.
• Up to 94% acceptance: Up to 94% of payments go through successfully; typical acceptance rates sit between 70-90% depending on the provider.

In summary...

Przelewy24 is a solid choice for handling payments in Poland, offering a vast range of payment options, that ideally suit the customer base. But if you're looking to take your business beyond borders, Noda’s open banking solution offers a far more comprehensive payment solution. With instant settlements, lower fees, easy API integration, and multi-currency support, it’s built for businesses thinking bigger.

If scaling globally is on your roadmap, or you just want a smarter way to power your payments, chat with the Noda team today.