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Payment methods in Poland

Here are the top takeaways you need to know about the Polish e-commerce market:

Just over 32 million Poles, close to 90% of the total population, are now online. And the average online shopper spends US$1,038 each year with e-commerce merchants.
Poles make 10% of all their retail purchases online. The e-commerce sector is worth US$36 billion, a figure expected to rise to US$54 billion by 2027.
Poles use digital payment methods in more than 80% of all online transactions. Bank-transfer app Blik on its own has almost a 30% market share.
Polish online shoppers make 43% of all their purchases using a mobile device. To succeed in Poland, make sure your checkout is optimized for mobile commerce.
Almost 40% of Poles shop with e-commerce sites based in other countries. In 2022, this trade was worth almost US$2 billion.

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Population

Online Population

B2C E-commerce

Banked Population

Credit Card Population

E-commerce of Total Retail

Payment Method Breakdown

Card 15%
Cash 2%
Bank Transfer 67%
E-Wallet 15%
Other 1%

[{"label":"Card","value":"15"},{"label":"Cash","value":"2"},{"label":"Bank Transfer","value":"67"},{"label":"E-Wallet","value":"15"},{"label":"Other","value":"1"}]

Payment Methods in Poland

Blik Bank transfer Consumer countries:

Przelewy 24 Bank transfer Consumer countries:

PayU Bank transfer Consumer countries:

Card Scheme Breakdown

Visa 51%
Mastercard 49%
American Express 0%
Local schemes 0%
Other 0%

[{"label":"Visa","value":"51"},{"label":"Mastercard","value":"49"},{"label":"American Express","value":"0"},{"label":"Local schemes","value":"0"},{"label":"Other","value":"0"}]

Cross-Border E-Commerce

Online shoppers who have shopped cross-border

Cross-border proportion of total e-commerce

1.9 bn $US

Value of cross-border e-commerce

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Top cross-border shopping origin markets