All countries

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.
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"}]

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

Top cross-border shopping origin markets