What Is Przelewy24?
Bank TransferPrzelewy24 (P24) is one of Poland's most popular online payment aggregators, connecting merchants to over 165 Polish banks and additional payment methods. It enables real-time bank transfers, card payments, and digital wallet payments for the Polish e-commerce market.
How It Works
1. **Selection**: The consumer selects Przelewy24 at the merchant's checkout and chooses their bank from the P24 bank list. 2. **Redirect**: The consumer is redirected to their bank's secure online banking environment with a pre-filled payment form. 3. **Authentication**: The consumer logs in to their online banking and authorizes the pre-filled transfer. 4. **Notification**: The bank processes the payment and notifies Przelewy24 of the successful transfer. 5. **Confirmation**: P24 sends real-time payment confirmation to the merchant via callback. 6. **Settlement**: P24 settles funds to the merchant's account according to the agreed schedule (typically next business day).
Key Details
Instant confirmation
1-2% per transaction for merchants
Bank-dependent
1 countries
Pros & Cons
- Comprehensive coverage — connects to 165+ Polish banks and multiple payment methods through a single integration.
- Instant confirmation — merchants receive real-time payment notifications for immediate order fulfillment.
- Trusted by Polish consumers — Przelewy24 is one of the most recognized payment brands in Poland.
- Includes BLIK, cards, and wallets — one integration covers all major Polish payment methods.
- Free for consumers — no surcharges for using P24, encouraging adoption.
- Poland-centric — primarily serves the Polish market only.
- Redirect-based flow — consumers leave the merchant's site to complete payment at their bank, which can reduce conversion.
- No native recurring payment support — not designed for automatic subscription billing.
- Settlement delays — funds are settled to merchants within 1-2 business days, not instantly.
- Complexity of choice — the large bank selection page can overwhelm consumers compared to simpler methods like BLIK.
Use Cases
- E-commerce in Poland — online merchants use P24 as their primary payment gateway for Polish customers.
- Digital services — gaming, streaming, and SaaS platforms accept P24 for one-time purchases from Polish users.
- Travel and ticketing — airlines, hotels, and event platforms accept P24 for bookings from Polish consumers.
- Marketplaces — multi-vendor platforms offer P24 to maximize payment conversion in Poland.
- Donations and crowdfunding — nonprofit organizations accept P24 for donations from Polish supporters.
Przelewy24 (commonly abbreviated as P24) is a Polish payment aggregator that facilitates online payments by connecting merchants to a wide network of Polish banks and alternative payment methods. Founded in 2003 and headquartered in Poznań, Przelewy24 has grown to become one of the two dominant online payment gateways in Poland (alongside PayU Poland). It processes millions of transactions monthly and is integrated by thousands of online merchants.
## What Is Przelewy24?
Przelewy24 is an online payment intermediary that aggregates multiple payment methods under a single integration. When a consumer selects Przelewy24 at checkout, they are presented with a list of their bank and other supported payment methods (including BLIK, traditional bank transfers, cards, and digital wallets). The consumer selects their bank, is redirected to their bank's secure online banking portal, and completes the transfer. Przelewy24 confirms the payment to the merchant in real time.
Unlike BLIK, which is a specific payment instrument, Przelewy24 is a payment aggregator — a platform that bundles multiple payment methods into one. Merchants integrate once with Przelewy24 and gain access to all the payment methods P24 supports.
## How Przelewy24 Works
The payment flow begins when the consumer selects Przelewy24 at checkout and chooses their bank from the P24 bank selection page. They are redirected to their bank's online banking environment, where a pre-filled transfer form awaits. The consumer authenticates with their banking credentials and authorizes the transfer. The bank processes the payment and notifies P24, which sends instant confirmation to the merchant.
For merchants, this process is seamless — they submit a payment request to P24's API and receive a callback when payment is confirmed. The merchant does not need to integrate with individual banks. P24 handles all the bank connections, payment verification, and reconciliation.
## Supported Banks and Methods
Przelewy24 connects to over 165 Polish banks, covering virtually every bank account holder in Poland. In addition to bank transfers, P24 supports BLIK, Visa/Mastercard card payments, Apple Pay, Google Pay, Skrill, and various installment payment options. This breadth makes it a one-stop payment solution for the Polish market.
## Fees
Przelewy24 charges merchants a percentage fee per transaction, typically in the range of 1-2% depending on the payment method used and the merchant's volume. Bank transfers through P24 are generally cheaper (around 1-1.5%) than card payments processed through P24 (which carry standard interchange fees). For consumers, there is no additional charge for using Przelewy24.
## Przelewy24 for International Merchants
International merchants targeting the Polish market can access Przelewy24 either directly or through global PSPs. Stripe, Adyen, and Mollie all support Przelewy24 as a payment method, abstracting the complexity of the P24 integration and handling settlement in the merchant's preferred currency. Given that Poland has over 38 million people and a mature e-commerce market, adding P24 can meaningfully increase conversion rates for merchants serving Polish customers.
## Przelewy24 vs BLIK
Przelewy24 and BLIK are complementary rather than competing. P24 is a payment aggregator that includes BLIK among its supported methods. A merchant integrating directly with P24 gets BLIK plus all other Polish banks. A merchant integrating BLIK through a global PSP gets only the BLIK payment instrument. Many merchants offer both — a P24 option (for consumers who prefer traditional bank transfers) and a standalone BLIK option (for the fast six-digit code flow).
