What is payment in Poland?

09 Oct 2023

Poland boasts a wide array of payment methods that cater to the needs of its residents and businesses. Let's explore the various payment options that define Poland's financial ecosystem.

Despite the global shift towards digital payments, cash remains a fundamental element of Poland's payment culture. The Polish Złoty (PLN), the national currency, is readily accessible through a vast network of ATMs, ensuring its prevalence in everyday transactions.

The plastic revolution has firmly entrenched itself in Poland. Credit and debit cards, including Visa, Mastercard, and American Express, facilitate a seamless transition between in-store purchases and online shopping sprees, making them an integral part of Poland's payment landscape.

Meanwhile, mobile apps like BLIK, Google Pay, and Apple Pay have empowered smartphone users to make payments effortlessly, often with just a tap or a scan. The convenience of mobile payments has made them an increasingly popular choice, particularly among the tech-savvy younger generation.

The burgeoning e-commerce sector in Poland relies heavily on robust online payment gateways. Names like Przelewy24 and PayCEC are synonymous with secure payment solutions for online shoppers. These gateways have not only facilitated online shopping but have also fueled the growth of the digital economy in Poland.

Though somewhat less prevalent, checks still find their place in the Polish payment landscape, primarily for certain business-to-business (B2B) transactions. Their usage is more niche compared to digital alternatives.

Finally, the allure of cryptocurrencies, led by Bitcoin, continues to grow in Poland. Some businesses and individuals have ventured into this digital frontier, accepting cryptocurrencies as an alternative payment method, though it remains a niche practice.