Best Online Payment Operators in Poland 2025 – Ranking & Comparison
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Online Payment Operators in Poland – Who is the Best in 2025?
The online payment market in Poland in 2025 is more competitive than ever. Customers expect fast and convenient payment methods, while e-commerce store owners need a solution that ensures high conversion rates, low costs, and transaction security.
Currently, many popular payment gateways operate in the market, such as PayU, Przelewy24, Tpay, and Blik. However, the rapid development of fintech introduces new innovative options, including deferred payments, cryptocurrencies, and integrations with super apps.
What are the key differences between them? Which solution will be the best for your business?
In this article, we analyze the most important payment gateways in Poland in 2025 to help you make an informed decision.
Click on the image below, and I will redirect you to the operator's website:
Founded: 2006
Country of Origin: Poland
Owner: Naspers Group
PayU is one of the largest and longest-operating payment service providers in Poland. The company was founded in 2006 and initially focused on the Polish market before becoming part of the global PayU group, owned by the South African technology conglomerate Naspers. PayU serves both small businesses and large international enterprises, offering comprehensive payment solutions across Europe, Latin America, Asia, and Africa. It is recognized as one of the leaders in the e-commerce market, with its solutions integrated into many popular sales platforms.
Founded: 2004
Country of Origin: Poland
Owner: Nets Group
Przelewy24 is one of the oldest and most recognizable Polish companies specializing in online payment processing. Founded in 2004, it has focused on providing fast internet bank transfers from the very beginning. In 2020, the company was acquired by Nets Group, one of the largest European payment service providers. This partnership gave Przelewy24 access to international markets and new technologies. The system is a popular choice among Polish e-commerce stores due to its wide range of payment methods and easy integration with online sales platforms.
Founded: 2010
Country of Origin: Poland
Owner: Krajowa Instytucja Płatnicza Tpay
Tpay, formerly known as Transferuj.pl, is a Polish payment service provider operating since 2010. The company focuses on delivering solutions for online stores, aiming to simplify the payment process for both customers and merchants. Tpay continues to develop its services with a strong emphasis on automation and transaction security, supporting modern payment methods such as BLIK and Google Pay. The company holds the status of a national payment institution, ensuring its credibility and compliance with Polish financial regulations.
Founded: 2016
Country of Origin: Poland
Owner: HotPay Group
HotPay is a relatively young payment operator that appeared on the Polish market in 2016. The company focuses on providing simple and flexible solutions for online merchants, including handling micropayments and Premium SMS payments. HotPay stands out for its fast registration and implementation, which makes it a popular choice among smaller online stores and entrepreneurs operating in a subscription-based model. The company continuously develops its services by introducing new payment methods and enhancing the security of transactions.
Founded: 2019
Country of Origin: Poland
Owner: mBank
Paynow is one of the newest payment systems on the Polish market, launched in 2019 by mBank. It is a proprietary payment platform designed for the bank's clients who run e-commerce businesses. Paynow stands out due to its integration with mBank's banking systems, which allows for fast payment processing and reduces the number of intermediaries. The system is rapidly growing, and with the support of one of the largest financial institutions in Poland, it offers stable and secure solutions for online merchants.
Founded: 2018
Country of Origin: Poland
Owner: CashBill S.A.
CashBill is a Polish payment operator that has been active in the market since 2008. The company not only handles online payments but also provides systems for phone top-ups and Premium SMS payments. CashBill is a popular choice among small and medium-sized businesses looking for flexible payment solutions. The operator continues to expand its services by introducing new payment methods and adapting to the dynamic changes in the e-commerce sector.
Cryptocurrency payments in online stores
A great option for online stores looking to expand their payment options is the Kanga Pay gateway from the Kanga Exchange. It enables quick and convenient payments in the most popular cryptocurrencies such as Bitcoin, Ethereum, USDT, USDC, and others.
Importantly, the transaction fee is only 1.5% of the purchase value. An additional advantage is the easy integration – Kanga Pay offers ready-made plugins for popular e-commerce platforms such as WooCommerce and PrestaShop, making it easy to implement this payment method in your store.
To use the Kanga Pay, you need to have a verified account on the Kanga exchange.
Comparison of fees between different operators
We have examined the commission costs that an online store incurs for processing its customers' payments.
To obtain the most realistic results, we made the following assumptions:
- The average value of a shopping cart is 100 PLN
- The payment structure is as follows:
- BLIK – 40% of all the transactions
- Online bank transfers: 40% of all the transactions
- Card payments: 20% of all the transactions
Based on this, we checked how much the online store will pay in commissions for processing payments:
Click on the image below, and I will redirect you to the operator's website:
Summary
Choosing the right online payment operator is a crucial decision for any online store. In 2025, e-commerce owners have access to a wide range of payment gateways that vary in terms of commission fees, payment methods, and integration with popular sales platforms.
In this article, we compared the main operators available in Poland and analyzed the commission costs that an online store incurs depending on the transaction structure. It turns out that differences in fees can significantly affect the final profit for sellers, which is why it's important to carefully evaluate the offers of each payment provider.
Additionally, we presented an interesting alternative in the form of the Kanga Pay gateway, which enables cryptocurrency payments. This solution may be appealing to modern online stores that want to tap into the growing popularity of digital assets.
In summary, the lowest fees are offered by HotPay, Paynow, and CashBill, but they have limited payment method support. PayU and Przelewy24 are more versatile, but they are more expensive.
The best choice of payment operator depends on the specifics of your business, the type of customers, and the preferred payment methods. Before making a decision, it’s important to analyze not only the commission rates but also the ease of use, integration availability, and additional features that can increase conversion rates and enhance the user experience.
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