Poland's payment market is characterized by rapid digital growth, strong fintech innovation, and traditional banking. Major acquirers include PayU, Przelewy24, and traditional banks. Strong e-commerce growth and mobile payment adoption.
Rapid growth in contactless payments (75% of card transactions), strong mobile payment adoption, and explosive e-commerce growth. Traditional payment methods still popular, especially in smaller cities.
Polish merchants can optimize through strategic payment routing, leveraging BLIK for mobile payments, implementing SEPA Direct Debit for recurring payments, and negotiating better rates with fintech acquirers.
Full EU compliance with Polish banking regulations and growing fintech ecosystem
The Polish payment ecosystem is dominated by fintech players like PayU and Przelewy24, alongside traditional banks. Contactless payments represent 75% of card transactions, with strong growth in mobile payments and e-commerce. The market shows rapid digital transformation.
Poland's payment infrastructure includes major international networks, local schemes like BLIK, and innovative fintech solutions. SEPA Instant payments are gaining traction, while traditional card payments remain important. The market shows strong innovation in mobile payments.
Poland maintains full compliance with EU regulations while promoting fintech innovation. PSD2 implementation has been comprehensive, with strong focus on open banking and digital payment development. The country also maintains strict data protection standards.
Polish merchants can optimize costs through strategic payment routing, leveraging BLIK for mobile payments (often lower cost), implementing SEPA Direct Debit for recurring payments, and negotiating competitive rates with fintech acquirers. Local payment schemes typically offer better rates.
This page shows sample data for Poland. Our complete report includes detailed interchange fee data for all 30 EU countries with comprehensive breakdowns, regulatory analysis, and cost optimization insights.
Complete coverage including recent EU additions
Credit, debit, commercial, and prepaid card rates
Searchable PDF format for easy reference
✓ Instant PDF download ✓ Current 2025 rates ✓ 30-day money-back guarantee