Many shops pay more in fees than they should. Below is a comparison of the most popular payment gateways in Poland, together with their market rates, so you can check whether your shop is out of line. We work with the key operators, including Tpay, Przelewy24, PayU, PayPal and Stripe, so for some of them we can help you negotiate terms better than the standard price list.
Comparing payment operators
The market fee is the rate from the operator's public price list. The real rate depends on your turnover, your industry and your mix of payment methods, which is why the last column doesn't have a single figure: with each of these operators, the starting point for negotiation is different.
| Operator | Supported methods | Notes | Market fee |
|---|---|---|---|
 Przelewy24 |
bank transfers, BLIK, cards, wallets | one of the oldest operators in Poland | 1.9% |
 PayU |
cards, transfers, BLIK, subscriptions | a major player in the market | 2.3% |
 iMoje |
transfers, BLIK, cards | ING's own solution | 1.5-1.9% |
 PayPal |
wallet, cards | international sales | 2.9-3.9% |
 Twisto |
BNPL, instalments | raises average basket value | 3-6% |
 Tpay |
transfers, BLIK, cards | a Polish alternative, and we're a partner | 1.59% |
 HotPay |
BLIK, online payments | low barrier to entry | 0.95-2.45% |
 Autopay |
transfers, cards, BLIK | good for recurring payments | 1.6-2.2% |
Source of the rates: public operator price lists, checked in August 2026. Operators change them without notice, so confirm the rate at the source before deciding.
We negotiate rates for you. Thanks to our clients' combined volume, shops get fees that can't be negotiated alone. Want to see what your business could get? We'll prepare a free cost analysis, compare the available options, and point you to solutions matched to your customers' profile.
Ask about rates for your shop →
What is a payment gateway comparison
A payment gateway comparison is a rundown of the available options, ranked by criteria such as popularity, range of supported methods, fees, ease of implementation, transaction processing time and security.
A comparison like this is a supporting tool. It doesn't point to a single universally best option; instead, it gives an overview of the possibilities, so a shop owner can make an informed choice of which methods to turn on to balance conversion, cost and customer convenience.
What are payment methods in an online shop
In ecommerce, online payment methods are the ways a shop offers a customer to finalise an order: from fast bank transfers, through mobile payments, to digital wallets and cards. They differ in technology, authorisation method, processing time, and the level of convenience for the buyer.
Most shops run several methods in parallel, to match different customer preferences. That translates into fewer abandoned baskets, since the customer doesn't have to hunt for a payment method they already know.
Online payment providers for ecommerce
The operators that come up most often in Polish comparisons, with a brief description of each:
- Przelewy24: one of the oldest and most recognisable gateways in Poland, with a wide range of methods: fast bank transfers, cards, wallets, BLIK.
- PayU: a global provider popular in Polish ecommerce; cards, transfers, wallets, mobile payments and deferred payment options.
- iMoje: ING's gateway, often included in comparisons of providers for shops served by that bank.
- PayPal: a global wallet, particularly useful for international customers and cross-border sales.
- Twisto: buy now, pay later: deferred payments and instalments, popular with customers who want flexibility.
- BLIK: Poland's mobile payment system, today the default expectation of a buyer at a Polish shop.
- Skrill: an international wallet, an option for a shop with an international reach.
- Tpay: a Polish gateway with cards, transfers and BLIK; the only operator on this list we have a partnership with, so we negotiate rates directly with them.
- HotPay: an operator with simple integration and a low barrier to entry.
- CashBill: an alternative for smaller shops, less often seen in top-tier comparisons.
- Autopay: a wide set of methods plus recurring payments, an interesting option for subscriptions.
Summary
When choosing payment methods, look beyond a single technology: pick a mix that matches your customers' profile and your shop's model. A comparison shows which options are available and where their strengths lie, but there's no single universally best gateway.
The best approach is to analyse three things: which methods your customers prefer, what fee you can accept given your margin, and how integration with your platform looks. If you want to go through this with someone who has rolled out these gateways in production, see how we integrate payments.
