Payment gateways are essential components of the e-commerce landscape, enabling businesses to accept payments securely. They serve as a bridge between the online shoppers and the payment service providers, facilitating various payment methods, including credit cards like Visa, Mastercard, and PayPal. In Poland, popular payment options include BLIK, a local payment system, as well as digital wallets such as Google Pay and Apple Pay. These online payment methods allow for seamless online purchases in Poland and cater to the preferences of local consumers.
The best payment gateway for Poland in our rating is NOWPayments because of its seamless integration, low transaction fees, and strong cryptocurrency support, which aligns with the growing trend of digital currency adoption in Poland. The platform’s versatility in supporting over 350 cryptocurrencies allows businesses in Poland to tap into a global market while reducing cross-border transaction costs. Additionally, NOWPayments offers quick payment processing and integration with popular e-commerce platforms, ensuring a smooth user experience. With the increasing demand for digital payment methods in Poland, NOWPayments provides businesses with the tools they need to stay ahead of the curve.
Choosing the right payment gateway in 2026 is crucial for businesses in Poland because digital payments are becoming the norm, and consumer expectations are rising. A reliable gateway enhances operational efficiency by speeding up transactions and providing secure payment processing. Moreover, businesses can expand their reach and attract international customers by supporting various payment methods, including cryptocurrencies. The right payment gateway also contributes to building consumer trust by ensuring fast, secure, and hassle-free payment experiences.
Here’s a list of the best payment gateways for Poland in 2026:
- NOWPayments
- Sofort
- Przelewy24
- Blik
- Trustly
What We Considered When Choosing the Best Payment Gateway: Our Selection Criteria
In creating an unbiased comparison of payment gateways, we aimed to focus on features that are critical for businesses in Poland’s payment landscape to ensure a smooth, efficient, and cost-effective payment processing experience. Our goal was to evaluate each provider based on factors that directly impact their functionality and ease of use for businesses in the region.
- Supported Payment Methods: Essential for businesses to accept a wide range of local payment methods, including traditional card transactions and emerging digital options such as cryptocurrencies.
- Transaction Fees: Directly impacts profitability, especially for businesses processing high volumes of online purchases in Poland.
- Integration Tools: Critical for businesses to deploy the solution quickly without heavy technical overhead, ensuring a seamless connection with e-commerce platforms and other business tools.
The comparative table below summarizes how each gateway performs in these three decisive categories, which we will explore in detail for each provider.
| Payment Gateway | Supported Payment Methods | Transaction Fees | Integration Tools |
|---|---|---|---|
| NOWPayments | 350+ cryptocurrencies, 40+ fiat | 0.5% monocurrency, 1% multicurrency, 0% Network Fees for USDT TRC20 deposits (first 2 months) | API, payment button & widget, POS |
| Klarna | Online bank transfers (direct banking) across Europe, Buy now, Pay later | Varies by provider | Webshop plugins, redirect-based integration |
| Przelewy24 | BLIK, online transfers, card payments, wallets (Apple Pay/Google Pay), PayPo | Fee structure depends on volume and method | API, plugins for major e-commerce platforms |
| Blik | Mobile payment system (instant mobile codes) | Low fees, negotiated with PSPs | Integrations with banks and PSPs like Przelewy24 |
| Trustly | Pay-by-bank (Open Banking) payments | Merchant fees vary (typically ~€0.30 + 2.25%) | API, plugins for online checkout |
NOWPayments
NOWPayments is the best crypto payment gateway that enables businesses to accept over 350 cryptocurrencies and 40+ fiat currencies, offering a versatile payment solution in Poland. The platform caters to the growing demand for crypto transactions, making it an ideal choice for businesses looking to integrate cutting-edge payment methods into their checkout experience. By supporting multiple payment methods such as stablecoins and cryptocurrencies, NOWPayments provides businesses with an edge in Poland’s evolving payment infrastructure. Its low fees and fast transaction processing make it a preferred choice for companies seeking cost-effective, secure ways to process online and in-store payments.
Supported Payment Methods. NOWPayments supports 350+ cryptocurrencies and 40+ fiat currencies, providing users in Poland with a wide array of top payment methods. This diversity allows businesses to cater to both global and local customers, especially those interested in digital currencies. With support for stablecoins like USDT and various traditional payment methods like debit and credit cards, NOWPayments ensures that businesses can offer several payment methods for seamless transactions. This flexibility is critical in Poland, where mobile payment solutions like Blik are gaining popularity.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Cryptocurrencies | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
| Stablecoins | ✅ | ✅ |
Transaction Fees. NOWPayments offers competitive transaction fees, with 0.5% for monocurrency and 1% for multi-currency payments, making it an attractive choice for businesses looking to minimize payment friction. The platform’s transparency in its fee structure is crucial for merchants, as it allows for clear cost planning. Furthermore, NOWPayments offers 0% network fees for USDT TRC20 deposits for the first two months for new partners, which can significantly lower initial costs for businesses starting to accept cryptocurrency payments. These features make NOWPayments a viable option for Polish online payment providers.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | 0.5% | For monocurrency payments |
| Multi-currency Fee | 1% | For multi-currency transactions |
| USDT TRC20 Network Fee | 0% | For first 2 months for new partners |
Integration Tools. NOWPayments offers several integration tools to make it easy for businesses to integrate crypto payments into their systems. These include an API, payment buttons, and widgets that help businesses accept cryptocurrency payments quickly and efficiently. The API allows for easy integration with various e-commerce platforms, while the payment buttons and widgets provide a simple way to add crypto payment options to websites. These tools ensure that businesses can offer a seamless payment process for users, without the need for complex technical setup.
| Integration Tool | Available |
|---|---|
| API | ✅ |
| Payment Button & Widget | ✅ |
| POS | ✅ |
Klarna
Klarna is a leading payment processor that offers flexible payment solutions, now merged with Sofort, providing a comprehensive service that includes online bank transfers and “buy now, pay later” options. Klarna has made a name for itself as a user-friendly option, especially for businesses looking to reduce payment friction and offer their customers a more flexible checkout experience. Its payment methods are widely used in European markets, including Poland, and are popular with consumers who prefer alternative methods to traditional card payments. Klarna’s integration tools and global presence make it an ideal solution for businesses seeking a reliable payment gateway that supports multiple payment
Supported Payment Methods. Klarna offers several payment methods, including its signature “buy now, pay later” option, which allows customers to pay in installments. In addition, Klarna supports online bank transfers, providing a quick and secure way to make purchases. Klarna is also compatible with traditional debit and credit cards, as well as mobile wallets like Google Pay and Apple Pay. This range of options ensures that businesses can cater to a wide array of customer preferences.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Buy Now, Pay Later | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
| Digital Wallets | ✅ | ✅ |
| Bank Transfers | ✅ | ✅ |
Transaction Fees. Klarna’s fees typically vary depending on the agreement with the merchant, though they are generally competitive compared to other payment processors. Klarna offers businesses a flexible fee structure, often based on the volume of transactions. As part of its commitment to reducing payment friction, Klarna does not charge setup or monthly fees, making it an affordable solution for businesses of all sizes. Klarna’s pricing model ensures merchants know what to expect and can keep costs manageable.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | Varies | Based on volume and agreement |
Integration Tools. Klarna provides a variety of integration tools, including an API and easy-to-install plugins for major e-commerce platforms. The platform is designed to be simple for developers to implement, allowing businesses to offer Klarna’s “buy now, pay later” option without heavy technical work. Klarna also offers easy integration with online stores, which reduces the complexity of adding an alternative payment solution to websites. These features make Klarna an accessible payment processor for businesses looking to improve their checkout experience.
| Integration Tool | Available |
|---|---|
| API | ✅ |
| Webshop Plugins | ✅ |
| Payment Links | ✅ |
Przelewy24
Przelewy24 is one of the top payment gateways in Poland, offering a wide range of payment methods like Blik, credit cards, and digital wallets. With its extensive support for local payment methods, it is widely popular among Polish businesses and consumers. Przelewy24 stands out for its ease of integration and support for various currencies, making it a flexible solution for businesses operating in Poland and across Europe. Its ability to support both Polish online payments and international transactions makes it an invaluable tool for businesses targeting both local and global audiences.
Supported Payment Methods. Przelewy24 offers a wide range of payment methods, including local options like BLIK and international payment methods such as credit and debit cards. It also supports popular digital wallets like Apple Pay and Google Pay, making it a versatile solution for businesses operating in Poland. The ability to support several payment methods ensures that businesses can provide an inclusive checkout experience, which is critical in a market where mobile payments and bank transfers are widely used. Przelewy24 helps bridge the gap between local and international customers by supporting global payment methods.
| Payment Method | Accept | Withdraw |
|---|---|---|
| BLIK | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
| Digital Wallets | ✅ | ✅ |
Transaction Fees. Przelewy24 offers competitive fees that depend on the payment method used and the transaction volume. The fee structure is flexible and negotiable for businesses based on their processing needs. There are no fixed setup or monthly fees, which makes Przelewy24 an attractive choice for businesses in Poland looking to keep costs low. Additionally, its competitive pricing for popular Polish online payment methods like BLIK helps businesses keep costs manageable.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | Varies | Based on method and volume |
Integration Tools. Przelewy24 provides various integration options, including a simple API and plugins for popular e-commerce platforms. These tools make it easy for businesses to start accepting payments quickly and securely. The platform also supports payment links, making it easy to accept payments via social media or email. This flexibility in integration ensures businesses can offer a smooth and seamless payment process for their customers.
| Integration Tool | Available |
|---|---|
| API | ✅ |
| E-commerce Plugins | ✅ |
| Payment Links | ✅ |
Blik
Blik is Poland’s most popular mobile payment solution, allowing users to make instant payments using a unique mobile code. Blik is widely accepted in Poland, with many businesses offering it as a convenient way to pay online and in-store. It provides a fast and secure payment process, eliminating the need for traditional card payments or bank transfers. As one of the leading Polish online payment solutions, Blik is a great choice for businesses looking to provide an easy and efficient checkout experience for Polish customers.
Supported Payment Methods. Blik enables instant payments using a mobile payment code generated by a banking app. This method is widely popular in Poland and allows for quick and secure transactions carried out by bank transfers. Blik’s ability to offer mobile payments directly from a banking app makes it a preferred option for users in Poland. Businesses can easily integrate Blik as a payment option for customers who prefer using their smartphones to pay.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Mobile Codes | ✅ | ✅ |
| Credit/Debit Cards | ✅ | ✅ |
| Bank Transfers | ✅ | ✅ |
Transaction Fees. Blik offers low transaction fees, typically negotiated with the payment service providers. The platform’s transparent pricing model ensures there are no hidden charges for businesses. For businesses in Poland, Blik’s low-cost model makes it a viable option for businesses of all sizes, especially those that process high volumes of mobile payments. This fee structure helps businesses keep operational costs low while offering a popular payment method.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | Varies | Based on PSP contract |
Integration Tools. Blik is integrated with local payment service providers like Przelewy24, making it easy for businesses to add this mobile payment method to their website or app. The integration process is simple, and businesses can quickly start accepting mobile payments. With growing adoption in Poland, Blik provides a seamless checkout experience for customers, especially those using mobile banking apps. Its integration with local banking apps ensures that users have a convenient and secure way to pay.
| Integration Tool | Available |
|---|---|
| API | ✅ |
| Payment Links | ✅ |
| Mobile Integration | ✅ |
Trustly
Trustly is a pay-by-bank payment solution that enables businesses to accept instant bank payments directly from customer accounts. It is particularly popular in European markets, including Poland, where users prefer paying directly from their bank accounts. By removing the need for card networks, Trustly simplifies the payment process, reducing payment friction. The solution is widely used across various industries, from e-commerce to travel, and offers a secure and fast way for businesses to receive payments.
Supported Payment Methods. Trustly allows customers to pay directly from their bank accounts, bypassing the need for cards or digital wallets. This solution is widely accepted across European markets, providing businesses with a reliable and secure way to accept payments. Trustly’s pay-by-bank feature appeals to customers who prefer not to use traditional card payments or online wallets. Its widespread availability in Europe ensures businesses can cater to customers across multiple regions.
| Payment Method | Accept | Withdraw |
|---|---|---|
| Bank Transfers | ✅ | ✅ |
Transaction Fees. Trustly operates with a competitive transaction fee structure, often charging a fixed fee per transaction based on the merchant’s agreement. The platform’s fees are typically lower than traditional card payment fees, making it an appealing choice for businesses looking to reduce payment costs. There are no monthly or setup fees, making it a straightforward and cost-effective solution. Trustly’s transparent pricing ensures businesses know what to expect when processing payments.
| Fee Type | Amount | Note |
|---|---|---|
| Transaction Fee | Varies | Based on volume and agreement |
Integration Tools. Trustly offers simple integration via APIs and plugins for e-commerce platforms. The process is quick and easy, allowing businesses to start accepting payments without complex setup. With easy integration options, businesses can offer a smooth and secure checkout experience for customers. Trustly also provides payment links that businesses can use for additional sales channels like social media or emails.
| Integration Tool | Available |
|---|---|
| API | ✅ |
| Webshop Plugins | ✅ |
| Payment Links | ✅ |
Conclusion
In this article, we have analyzed the main payment gateways for businesses in Poland, including NOWPayments, Klarna, Przelewy24, Blik, and Trustly. Each of these gateways offers distinct advantages, especially in a market like Poland where digital payments and mobile solutions are gaining traction. However, NOWPayments stands out as the best choice due to its support for over 350 cryptocurrencies and 40+ fiat currencies, as well as its low transaction fees and seamless integration tools, making it an ideal payment solution for businesses targeting both local and international customers.
NOWPayments offers key advantages such as low fees (0.5% for monocurrency, 1% for multicurrency), transparent pricing, and the ability to accept a wide variety of payment methods, from cryptocurrencies to stablecoins. With integration options including APIs, payment buttons, and POS systems, it provides businesses with the flexibility to adapt to Poland’s evolving payment infrastructure. In a rapidly changing market, NOWPayments is the optimal solution for forward-thinking businesses looking to stay ahead, offering them a versatile and cost-effective way to meet the needs of a growing and diverse customer base.