Payment systems for online shops – which ones are worth implementing?

Which payment methods do customers prefer?

Based on the Gemius report “E-commerce in Poland 2024”, we can see which payment methods are most popular among Polish consumers:

BLIK – 68% of users

Pay-By-Link instant transfers – 64%

Payment cards – 43%

Deferred payments (Buy Now, Pay Later) – 38%

Digital wallets (Apple Pay, Google Pay, PayPal) – 50% globally

What does this mean? The greater the variety of payment methods in your shop, the greater the chance of a purchase being completed.

The most popular payment systems in e-commerce

1. BLIK – the leader in mobile payments in Poland!

BLIK is currently the most popular payment method in Polish e-commerce. Users generate one-off codes in their banking app and complete transactions instantly.

• Security – every payment is authorised by the bank.
• Speed – transactions are processed instantly.
• Popularity – 68% of customers choose BLIK when shopping online.

Is it worth implementing BLIK?

Yes, if your offering is aimed at customers in Poland. BLIK is the absolute standard and customers expect it!

2. Fast online transfers (Pay-By-Link)

Fast transfers, supported by Przelewy24, PayU, Tpay and others, are the second most popular payment method in Poland.

• The money reaches the merchant within minutes.
• No need to enter card details – The customer is automatically redirected to their bank.
• Intuitive operation – users do not have to manually enter transfer details.

Is it worth implementing instant transfers?

Yes, if you want to make payments easier for customers without the need to use cards.

3. Payment cards – a classic that still works

Payments by VISA, Mastercard or American Express are widely accepted worldwide.

• Support for international customers – particularly important for shops operating globally.
• Recurring payments – the ideal solution for subscriptions.
• Security – support for 3D Secure and transaction tokenisation.

Is it worth implementing card payments?

Yes, particularly if you sell your products outside Poland or offer a subscription model.

4. Deferred payments (Buy Now, Pay Later)

BNPL systems, such as PayPo, Klarna, Twisto, allow customers to make a purchase and pay at a later date.

• Increases the basket value – Customers are more likely to buy more expensive products.
• Reduces the number of abandoned baskets – the deferred payment option encourages customers to complete their order.
• Flexibility for customers – users can pay for the product only after receiving it.

Is it worth implementing BNPL?

Yes, especially if you sell higher-value products (e.g. electronics, fashion, furniture).

How to choose the best payment system for your e-commerce business?

Tailor payment methods to your target audience – in Poland, BLIK and instant bank transfers are a must-have, but if you sell globally, opt for payment cards and e-wallets.

Analyse transaction costs – different payment systems have different fees, so it’s worth checking which are most advantageous for your business.

Ensure security – choose providers with PCI DSS certification and advanced security mechanisms.

Facilitate mobile shopping – users are increasingly shopping on their phones, so it’s worth implementing Apple Pay and Google Pay.