Popular Local Payment Methods and Solutions in Poland

Poland’s payment landscape has evolved rapidly. It’s no longer about carrying cash or waiting for slow bank transfers. Instead, local payment methods in Poland are steering the way. Whether you’re a business owner or freelancer looking to tap into the Polish market, knowing about these systems can tell you a lot about fintech in Poland and how it influences global eCommerce. This blog breaks down the popular local payment methods in Poland, digital & eCommerce payments landscape as well as the top payment solutions and gateways.

Popular Local Payment Methods in Poland

The most popular local payment methods in Poland which businesses must offer to their customers are:

BLIK

This Polish mobile payment solution is the most popular in Poland and is used by around 17 million people. It processed roughly 2.4 billion transactions in 2024 alone. All you need to do is generate a six-digit code from your banking app, confirm it, and you’re good to go, be it online, in-store, or even at ATMs. That’s why BLIK dominates digital payments in Poland.

Bank transfers (Przelewy24, Sofort)

Roughly one-third of eCommerce payments in Poland are done via instant bank transfers through services like Przelewy24 and Sofort. These are local payment methods in Poland businesses must not ignore to ensure higher sales conversions.

Card payments

Debit and credit cards (Visa, Mastercard) account for about 23–30% of e-commerce payments and are widely accepted, both online and in-store.

Digital wallets

Google Pay and Apple Pay also have traction, about 9% each. Mobile payments in Poland include both domestic wallets like BLIK and global options like Apple Pay and Google Pay.

Cash

While cash is used, it's not as dominant as in some other countries. It is mostly preferred by smaller shops or in rural areas.

TransFi gives you full access to all Poland online payment methods with one clean API. With TransFi, funds settle fast and securely, fees are transparent and competitive and integration is effortless.

Payment Solutions in Poland

When choosing from different payment solutions in Poland, businesses must look for the following:

Does it support local payment methods in Poland like BLIK and Przelewy24?
Can you settle funds directly to your local bank or currency?
Are the fees clear? No surprise charges for currency conversion or wallet payouts.
Can you build or integrate quickly?
Does it comply with online banking Poland regulations and allow secure mobile payments in Poland?

TransFi is amongst the best cross-border payment solutions in Poland as it is both flexible and multi-layered. The platform is built around consumer preferences and banking innovation. It not only supports all local payment methods in Poland but also offers real-time settlements, global compliance, enterprise grade security and lowest processing fees.

Digital Payments Poland

Poland is one of the most developed countries in Europe in terms of using modern technologies for non-cash payments, and the share of cash payments in relation to non-cash payments is decreasing year by year. Poles embrace non-cash options everyday and the numbers speak for themselves:

Over 308 million non-cash online transactions occurred in 2024 alone.
Total transaction value in the Digital Payments market is projected to reach US$111.31bn in 2025. Total transaction value is expected to show an annual growth rate (CAGR 2025-2030) of 18.63% resulting in a projected total amount of US$261.53bn by 2030.
Around 57% of adults use online banking, and nearly 60% use mobile banking apps .

Digital payments in Poland have seen a rapid growth as well as transformation with businesses and individuals committed to fast, reliable, and multi-channel solutions.

Also read about: Popular Local Payment Methods and Solutions in North Macedonia

Polish payment gateways

Most providers ask you to integrate separate systems—one for BLIK, another for cards, another for transfers. That means more work, more contracts, more points of failure. Being amongst the best Polish payment gateways, TransFi plugs into the most popular Poland online payment methods like cards, wallets, bank transfers and BLIK, to give businesses flexibility and reach. Additionally, the platform uses AI powered routing to ensure that users transact with utmost precision and every transaction is processed via the fastest and most effective rail. With TransFi payment gateway businesses can focus on growing their business across the globe without worrying about payment friction.

eCommerce Payments in Poland

Poland’s payment scene is diverse and growing. Revenue in the eCommerce market is projected to reach $25.60 billion in 2025 and is expected to grow to $35.76 billion by 2029. eCommerce payments in Poland demand BLIK, cards, instant transfers, and mobile options. You could piece that together manually, but here's the thing: every extra line of code is a potential error or cost. TransFi brings it all together. One gateway, providing full coverage of Poland online payment methods with fast settlements and zero surprises. If you're entering the Polish market or operating there already, TransFi is the only payment solution you need.

Conclusion

Here’s the thing: using the right mix of local payment methods in Poland, payment solutions in Poland, and digital payments Poland isn’t optional, rather a necessity for businesses wanting to grow in this region. BLIK leads the charge. Bank transfers and card payments are solid alternatives. And mobile wallets are gaining ground gradually.

If you're running eCommerce in Poland, whether local or global, you need a gateway that can handle all that. That’s where TransFi’s payment gateway shines. TransFi connects Polish payment methods like BLIK and Przelewy24 with global markets. That means businesses outside Poland can accept Poland online payment methods without opening a local bank account or dealing with complex integrations.

FAQs

How to accept payments online in Poland?
Sign up with a payment gateway that supports top local options like BLIK, Przelewy24, PayU, Google Pay, Apple Pay, and card payments. TransFi offers an easy integration that brings Polish online payment methods into your global checkout flow.
What are the top payment methods used by Polish consumers?
BLIK leads the way, followed by instant transfers via Przelewy24, and then cards and digital wallets. Mobile payments in Poland continue to grow fast.
What are some secure digital payment options in Poland?
Mobile payments in Poland via BLIK are very secure thanks to one-time codes and app confirmation. Online banking Poland uses encrypted connections and strong authentication under PSD2.
What are the best cross-border payment solutions in Poland?
TransFi is the best cross-border payment solution in Poland and lets you accept Poland’s local payment methods and settle in your home currency. It brings BLIK, Przelewy24, and other methods into one global payments platform with no local bank account needed.
What are the current trends in Poland’s payment industry?
Contactless and mobile payments have become mainstream. Fintech in Poland is also thriving, with Open Banking APIs and BNPL rising. Additionally, Poland's payment infrastructure is looking ahead, experimenting with biometric and even EU-wide methods.

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