Payments in Poland, 2024/2025

The report offers a look into the payments sector in Poland. The analysis covers various statistics on card payments, cash transactions, and the whole spectrum of other payment methods nowadays accepted by merchants in Poland. The publication gives a solid overview of current trends in the payments market, including new technologies, key players, and e-commerce acceptance survey results.

Poland's payment market continued its rapid expansion through 2024. The total number of payments in Poland exceeded 15.4 billion transactions, or approximately 420 transactions per capita, marking a robust 12% year-over-year growth. The largest portion of payment volumes approximately 10 billion transactions can be attributed to payment cards, which account for roughly 65% of all payments processed in the country. The remaining volume is almost evenly split between ACH credit transfers and BLIK, the leading domestic mobile payment system. In a broader European context, Poland ranks fifth in terms of payment volume, trailing only the UK, Germany, France, and Spain. 

The payments market is currently in a phase of rapid growth, and barring extraordinary events, this trajectory is expected to continue at least through 2026. As the Polish economy expands and eCommerce volumes are projected to grow further, the payments market is likely to sustain double-digit growth over the next two years. Key drivers will include the continued expansion of BLIK which is expected to contribute the most and payment cards, which, despite slower growth, will still account for a significant share of overall volume increases.