Przelewy24

What Przelewy24 does

Przelewy24, operated by Polish fintech PayPro S.A. (headquartered in Poznań, Poland), is Poland's largest online payment gateway, serving more than 300,000 registered merchants as of May 2024. Founded in 2004 and active for over 20 years, the company operates under a National Payment Institution license from the Polish Financial Supervision Authority (KNF, IP24/2014) and an authorization from the National Bank of Poland (decision 1/2011), and holds ISO/IEC 27001:2022 and PCI DSS certifications. It consolidated its domestic position through the 2020 merger of Dotpay and eCard under PayPro S.A. and a strategic alliance with Nets (now part of Nexi/Worldline).

The platform is built on a REST API with native plugins for Shopify, Magento, PrestaShop, WooCommerce, and Shoper, and supports 150+ payment methods spanning BLIK (including the BLIK Płacę Później deferred-payment variant), card payments with 3D Secure and tokenization, Apple Pay, Google Pay, Click to Pay (Visa/Mastercard), online bank transfers from all major Polish banks, Przelewy24 Raty (0% installments), P24NOW (revolving credit / BNPL), PayPo, Spingo (B2B financing), QR code payments, IVR, recurring/subscription billing, mass invoicing, white-label, and SoftPOS (mPOS24 / PepPay). Through the ONEcommerce partnership with Polskie ePłatności (PeP), Przelewy24 uniquely bundles its online gateway with a POS terminal offering under one commercial relationship. An additional Przelewy24 Finance product extends merchant lending up to 1,200,000 PLN.

Przelewy24 generates revenue primarily through transaction fees (1% + 1 PLN per online transaction as the standard rate, with promotional rates including 0 PLN via the Program Polska Bezgotówkowa for first-year sellers), POS terminal subscription fees, and commissions on financing products (BNPL, installments, business lending). Go-to-market combines self-serve PLG onboarding (same-day registration via test transfer), productized plugin distribution, a partner/affiliate program, and joint field sales for the ONEcommerce mid-market channel. The customer base skews heavily toward Polish SMB e-commerce sellers, supplemented by enterprises such as ITAKA, KappAhl, and Vorwerk Polska. The company has 250+ employees, reported 91% brand recognition, 89% safety score, and 86% trust rating among Polish consumers in a 2021 study, and discloses no venture funding or external investors.

Name

Przelewy24

Legal name

PayPro Spółka Akcyjna

Website

https://przelewy24.pl

Company type

Private

Founded year

2004

Operating status

Operating

Short description

Przelewy24, operated by Polish fintech PayPro S.A., is Poland's largest online payment gateway, serving 300,000+ Polish e-commerce merchants with 150+ payment methods including BLIK, cards, BNPL, and Click to Pay, plus a bundled POS offering via ONEcommerce.

Ownership category

akta.pro rank

Product category

Online Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Sales Financing (52222)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL)

akta.pro secondary industries

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE)

Keywords

• Online payment gateway
• E-commerce payment processing
• Payment service provider
• Point of sale terminals
• Buy now pay later

Headquarters

HQ city

Chancellor

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Transaction Fee - Online Payments: Commission charged per successful transaction for online payment processing. Standard rate is 1% + 1 PLN per transaction. ONEcommerce promotional rate of 1% for first 12 months.
2. Terminal (POS) Fees: Daily rental fee for POS terminal hardware. ONEcommerce promotional rate of 1 PLN per day. Additional fees may apply for withdrawals and other terminal services.
3. Financing Products (P24NOW, Raty, PayPo): Revenues from financing partnerships where merchants offer installment, BNPL, and deferred payment options. Przelewy24 earns commission on financed transactions.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

Przelewy24 operates an online payment gateway that lets Polish e-commerce merchants accept more than 150 payment methods through a single REST API integration, covering BLIK, cards, online bank transfers, mobile wallets, installments, and BNPL. Through its ONEcommerce bundle with Polskie ePłatności it also offers physical POS terminals and softPOS for unified online and in-store acceptance. The service extends to financing products (P24NOW revolving credit, Raty installments, business loans up to 1,200,000 PLN), recurring billing, mass invoicing, multi-currency DCC, and white-label deployments for partners.

Product overview

Przelewy24 operates as a comprehensive payment platform primarily serving the Polish e-commerce market. The core offering is the Przelewy24 Payment Gateway, which processes online transactions across multiple payment methods. The platform includes ONEcommerce as a bundled package combining online payments with POS terminals for omnichannel merchants. Payment methods include BLIK, Przelewy24 Raty (installments), P24NOW (revolving credit), BLIK Płacę Później (deferred payments), PayPo, Spingo (B2B financing), Apple Pay, Google Pay, Click to Pay, and traditional card payments. Additional services include Przelewy24 Finance (business loans up to 1.2M PLN), Terminale POS, mPOS24 mobile terminals, cross-border payments, QR codes, OneClick quick payments, recurring payments, bulk invoicing, marketplace support, white-label solutions, IVR payments, and reporting/analytics. The platform integrates with major e-commerce platforms including Shopify, Magento, PrestaShop, WooCommerce, and Shoper.

Differentiator

Problem solved

Functional benefit

Brands

• ONEcommerce: Combined payment gateway and POS terminal package offering (online + offline) under one partner relationship with Przelewy24 and Polskie ePłatności.
• P24NOW

Products and services

• Przelewy24 Payment Gateway Core online payment gateway accepting 150+ payment methods through a single REST API integration with plugins for major e-commerce platforms.
• ONEcommerce Combined online payment gateway and POS terminal package for omnichannel businesses, offered jointly with Polskie ePłatności.
• P24NOW Revolving credit line letting customers pay now and settle within 54 days or in installments, available at checkout through Przelewy24.
• Przelewy24 Raty Installment payment solution allowing customers to pay for purchases in monthly installments, including 0% interest options.
• BLIK Polish mobile payment method using 6-digit codes for fast and secure transactions directly from bank accounts, integrated as a checkout option.
• BLIK Płacę Później Deferred payment option for BLIK users allowing purchases now and payment within 30 days, distributed through the Przelewy24 gateway.
• PayPo Buy-now-pay-later solution available at Przelewy24 checkout, allowing customers to pay within 30 days with no additional costs.
• Spingo B2B financing solution combining deferred payments with installment options for business customers paying through Przelewy24.
• Apple Pay Apple Pay mobile wallet payment method available at Przelewy24 checkout, enabling quick contactless payments on Apple devices.
• Google Pay Google Pay mobile wallet payment method for Android users, enabling fast checkout through the Przelewy24 gateway.
• Click to Pay by Visa and Mastercard One-click checkout solution powered by Visa and Mastercard enabling repeat purchases using saved card credentials through Przelewy24.
• OneClick Quick payment solution enabling repeat Przelewy24 customers to complete transactions with minimal friction using saved payment credentials.
• QR Code Payments QR code payment solution allowing customers to scan and pay using their mobile banking apps through Przelewy24.
• Płatności Walutowe / DCC Multi-currency payment solution with Dynamic Currency Conversion, enabling foreign customers to pay in their native currency through Przelewy24.
• Terminale POS Physical point-of-sale terminals for in-store card payments, available jointly with Polskie ePłatności through the ONEcommerce bundle.
• mPOS24 / PepPay (SoftPOS) Mobile POS solution turning smartphones and tablets into payment terminals, enabling card acceptance without dedicated hardware.
• Przelewy24 Finance Business financing product offering Polish merchant loans up to 1,200,000 PLN for working capital and growth.
• Omnichannel Unified commerce solution connecting online and offline sales channels to deliver a consistent customer experience through Przelewy24.
• Marketplace Multi-vendor marketplace payment solution enabling platforms to host multiple sellers with integrated payment processing and settlement.
• Płatności Cykliczne (Recurring Payments) Recurring payment solution for subscription-based businesses and merchants running recurring billing cycles through Przelewy24.
• Masowe Faktury (Mass Invoicing) Bulk invoice generation and management solution for merchants handling high transaction volumes through Przelewy24.
• Generator Linku (Payment Link) Payment link generator allowing merchants to create custom Przelewy24 payment links for invoices, campaigns, and one-time payments.
• White Label White-label payment solution allowing partners to rebrand and offer Przelewy24 payment services under their own brand.
• IVR Payments Interactive Voice Response payment solution for telephone-based transactions and automated payment processing via Przelewy24.

Quantifiable outcome

• Online transaction commission: 1% + 1 PLN
• +3 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability7 records

Feature13 records

Partnerships

16 partnerships are on record, tiered core and minor.

• Nets (now part of Nexi/Worldline)coreStrategic or Co-development Partner · 1 January 2020Strategic alliance between Nets (Nordic and DACH market leader) and Przelewy24 in 2020. Also the year Przelewy24 merged with Dotpay and eCard, consolidating the Polish payment gateway market. Nets is a major European payment services provider.
• Polskie ePłatności (PeP)coreStrategic or Co-development PartnerStrategic partner for ONEcommerce package combining Przelewy24 online payments with PeP POS terminals. Polskie ePłatności won Finansowa Marka Roku 2026 award. Two separate contracts required (one with each provider) for ONEcommerce. Service guarantee for terminal repair within 48 hours.
• ShopifycoreTechnology or IntegrationNative plugin integration for Shopify merchants. Available in Przelewy24 download center. Enables one-click Przelewy24 payment activation for Shopify stores.
• MagentocoreTechnology or IntegrationOfficial plugin for Magento 2.4.x via REST API. Distributed through Przelewy24 download center.
• PrestaShopcoreTechnology or IntegrationOfficial plugin for PrestaShop versions 1.7.6/8.x/9.x. Available in Przelewy24 download center.
• WooCommercecoreTechnology or IntegrationOfficial plugin for WooCommerce versions 9.x-10.x. Available in Przelewy24 download center.
• ShopercoreTechnology or IntegrationPartner module for Shoper (Polish e-commerce platform). Listed in Przelewy24 partner modules section.
• PayPocoreTechnology or IntegrationBNPL (Buy Now Pay Later) payment method integrated into Przelewy24 gateway. Available as a payment option at checkout for Polish consumers.
• BLIK (Polski Standard Płatności)coreTechnology or IntegrationBLIK is the dominant Polish mobile payment method. Przelewy24 integrates BLIK including BLIK Płacę Później (BNPL via BLIK). BLIK enables 6-digit code payments, prepaid top-ups, and cash withdrawals.
• VisacoreTechnology or IntegrationVisa card acceptance including Visa Mobile, Visa Secure, and Click to Pay by Visa and Mastercard. OneClick solution developed with Visa and Mastercard.
• MastercardcoreTechnology or IntegrationMastercard card acceptance including Mastercard SecureCode, Click to Pay (with Visa), and MDES tokenization. OneClick solution co-developed with Visa and Mastercard.
• Apple PaycoreTechnology or IntegrationApple Pay digital wallet integration available as a payment method in Przelewy24 gateway.
• Google PaycoreTechnology or IntegrationGoogle Pay digital wallet integration available as a payment method in Przelewy24 gateway.
• DonateominorGTM or Marketing PartnerCSR partnership under 'P24 x Donateo' initiative supporting charitable causes including Fundacja TVN (#zdrowiewglowie), Fundacja Na Ratunek Dzieciom, BohaterON, Szlachetna Paczka, and Fundacja Dorastaj z Nami. Micro-donations of 2, 5, or 10 PLN added at checkout.
• Program Polska BezgotówkowaminorGTM or Marketing PartnerNew e-commerce sellers can join the Polska Bezgotówkowa (Cashless Poland) Program through Przelewy24, paying 0 PLN for card payments for the first year.
• All Polish BankscoreTechnology or IntegrationIntegration with all major Polish banks for online bank transfers (pay-by-link). Supports szybkie przelewy from the majority of Polish banks via the Przelewy24 payment gateway.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Market position

Strengths4 records

Weaknesses3 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@przelewy24_official
• LinkedInlinkedin.com/company/przelewy24

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Przelewy24