PayLens /Markets

Poland

PLN36.62 MCEE

Payment mix at the point of sale · 2023

Cash 40.2%

Cards 57.9%

Cash40.2%
Cards57.9%
Other1.9%

Cash settles 40.2% of payments here, the 10-highest of 18 tracked markets.

POS terminals

1,423,600

2025·+2.8% year on year

19202122232425

Provided by resident PSPs (ECB)

Key figures

46.54 M

Cards in issue

97.5%

Contactless

10.2%

E-commerce

€19

Avg. card payment

rank 21 of 22

Accepted methods · 15

BLIK· domesticVisaMastercardAmerican ExpressUnionPayJCBDiners Club / DiscoverApple PayGoogle PayPayPalSEPA Instant Credit TransferWeroKlarnaUSDC (stablecoin acceptance)Samsung Pay

What applies here

Supervisor: KNF (Polish Financial Supervision Authority) / NBP
Interchange: EU IFR: 0.2% debit / 0.3% credit on consumer cards.
Surcharging: Banned on consumer cards covered by the IFR (PSD2 Art. 62(4), transposed in Polish payment-services law).

17providers with a tracked share

Who, and at what share

Headquartered here · 15

Autopay Bank Pekao

eService Fiserv Polska (PolCard)ING Bank Śląski Krajowa Izba Rozliczeniowa (KIR)mElements (paynow)PayPro (Przelewy24)PayTel PayU+5

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Sources: data-api.ecb.europa.eu·data.ecb.europa.eu·ec.europa.eu·eur-lex.europa.eu·static.nbp.pl

Data as of 12 Aug 2026·Compare all 22 markets