Market guide · Europe
Selling in Poland
Polish shoppers lean on BLIK codes and pay-by-bank transfers far more than cards. Pricing in złoty and fast delivery to parcel lockers are expected.
| Currency | Polish złoty (PLN) |
|---|---|
| Languages | Polish |
| Region | Europe |
| Local acquiring | Cross-border for now |
| Settlement | T+2 |
| Payout rail | Express Elixir · Minutes, 24/7 |
| Import consumption tax | VAT · 23% |
Popular payment methods
Share of online payments by method. Illustrative figures.
| BLIK | 45% (45% of online payments) |
|---|---|
| Przelewy24 | 22% (22% of online payments) |
| Visa, Mastercard, Amex | 20% (20% of online payments) |
| PayPal | 3% (3% of online payments) |
How to launch in Poland
- 1Open a sandbox accountTest every flow for Poland with test cards and methods before you sign anything.
- 2Turn on local methodsStart with BLIK, Przelewy24, PayPal.
- 3Process cross-borderWe process Poland cross-border today. Smart routing still retries soft declines.
- 4Settle in PLNHold PLN and convert when you choose, or pay out locally.
- 5Show duty-inclusive pricesQuote VAT and duties at checkout so nothing is due on delivery.
- 6Go liveVerify your business, switch your keys and watch the first orders arrive.
Duties and import tax
VAT at 23% applies to most imported goods.
Thresholds: VAT due from the first złoty; IOSS for goods up to EUR 150
Regulatory notes
- Strong customer authentication under the EU's revised Payment Services Directive applies to card payments.
- Poland keeps its own currency, so cross-border sellers usually present prices and settle in złoty.
Placeholder notes for the prototype, not legal advice.
Customer story nearby
Northwind Outfitters
Retail & Ecommerce
+3.4 pts
card acceptance in Germany · Illustrative
We stopped guessing which fees would land on an order. Duty-inclusive prices took returns down with them.
Mara Lindqvist, Head of Ecommerce Read the story: Northwind Outfitters
Launch in Poland
Try the Poland flow in the sandbox, or talk to us about your rollout.