Coverage

🇵🇱 Payments in Poland

Every payment method and gateway Orchestrapay has integrated for Poland.

11 payment methods18 gateways

~37M

population; Central Europe's largest market

BLIK

the default for Polish e-commerce

PLN

outside the euro — local-currency handling matters

Przelewy24

pay-by-link bank transfers widely used

Sources: NBP, KNF and provider disclosures, 2024–2025.

How Poland pays

Poland built its own winner: BLIK. The bank-owned mobile scheme lets shoppers pay online with a six-digit code from their banking app, and it has become the default for Polish e-commerce, rivalling cards outright. Around it sit Przelewy24 and pay-by-link bank transfers, strong Visa/Mastercard contactless use, and Apple/Google Pay. The złoty (PLN) keeps Poland outside the euro, so local-currency handling matters.

For a global merchant, we carry international card acquiring and the express wallets today; BLIK — the rail that defines Polish checkout — is on our roadmap through local partners. PLN settlement with conversion into your base currency, PSD2 strong customer authentication, and Polish-language checkout with BLIK present are what this market expects, and our local layer carries the compliance.

Why merchants run on us here

Cards & wallets live today

International card acquiring and the express wallets, available now.

A roadmap to BLIK

BLIK defines Polish checkout — we're bringing it on through local partners.

Złoty settlement & FX

Collect in PLN and settle in your base currency, with FX handled for you.

PSD2 SCA, tuned

Frictionless authentication where allowed, with Polish-language checkout and aligned compliance.

Payment methods

Cards

Visa

Mastercard

American Express

Discover

Diners Club

JCB

UnionPay

Digital wallets

PayPal

Express checkout

Apple Pay

Google Pay

Link

Gateways

PayPal

Stripe

Stripe (Enterprise)

Adyen

Unlimit

Worldpay

Checkout.com

Authorize.net

MPGS

Cybersource

Airwallex

Braintree

CommerceHub

Fiserve

NMI

Nuvei

Orbital

PayPal Commerce

Built for enterprise

Everything it takes to run payments in Poland

Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Poland like any other market in your stack.

One integration, growing local coverage

Connect once for what's live in Poland today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.

Local acquiring, higher approvals

We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.

Settlement, FX & repatriation

Collect in the złoty (PLN) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.

Licensing handled locally

We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.

Payouts & reconciliation

Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.

Fraud, disputes & compliance

Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.

Ready to launch in Poland?

Talk to our payments team about going live in Poland — coverage, local acquiring, settlement and timelines for your business.

Talk to our payments team Read the docs