Shopify Payments in Poland (2026): Payment Methods, Fees and Local Gateways

For years, payments were the main reason Polish merchants didn't choose Shopify for selling in Poland. Shopify Payments wasn't available, and Polish shoppers expect BLIK and pay-by-link bank transfers rather than PayPal or cards. Brands used Shopify mostly when they sold to Western Europe or the US.

That has changed. Shopify Payments launched in Poland in March 2025, BLIK is now a native Shopify Payments method, and the main Polish payment operators have official apps in the Shopify App Store. This guide explains what Shopify Payments supports in Poland in 2026, what it costs, what it doesn't do, which local gateways you can add and how a store based in another EU country can accept Polish payment methods.

Is Shopify Payments available in Poland?

Yes. Shopify announced Shopify Payments for Poland and 14 other European countries on 21 March 2025 (Shopify changelog), and the Help Center lists Poland as a supported country with no early-access caveat (Shopify Help Center: supported countries).

For a store whose business is based in Poland, Shopify Payments supports (Shopify Help Center: payment methods in Poland):

• cards, activated automatically: Visa, Mastercard, Maestro, American Express and UnionPay
• accelerated checkouts, activated automatically: Apple Pay, Google Pay and Shop Pay
• local payment methods you activate in the admin: BLIK, Klarna, Bancontact, iDEAL | Wero, MB WAY, MobilePay, Satispay, TWINT and Przelewy24 (for stores that already had it, see below)
• USDC stablecoin payments, subject to regional availability

Local methods are shown at checkout based on the customer's location, not the store's, so a Polish shopper sees BLIK and a Dutch shopper sees iDEAL | Wero. Payouts go to a bank account in PLN or EUR (Shopify Help Center: payouts in Poland).

Shopify Payments fees in Poland

Shopify publishes Polish rates only on its Poland pricing page. As of September 2026 they are:

Source: Shopify pricing for Poland. Grow is the plan formerly called "Shopify". Plus rates are the published starting rates; Shopify Plus contracts can have different terms, so check them with Shopify sales. Rates change, so confirm them before you decide. For plan prices and the full cost of running a store, see our Shopify pricing guide for 2026.

What Shopify Payments doesn't do in Poland

Before you switch everything to Shopify Payments, check these limits:

• Online only. In Poland Shopify Payments can't process in-person payments, so you can't use it as a card terminal for Shopify POS (Shopify Help Center). Shopify POS itself isn't currently offered to merchants based in Poland. Stores with physical shops in Poland need a separate terminal and processor.
• BLIK has conditions. The customer must enter a Polish address and pay in PLN, so your store needs PLN as its currency or a Poland market priced in PLN. BLIK can't be used for subscription orders, and funds can't be captured manually (Shopify Help Center: BLIK). If you sell subscriptions, you need a separate app that supports recurring BLIK or another payment method for those orders.
• Przelewy24 is closed to new activations. According to the Help Center, Przelewy24 isn't available for new activations through Shopify Payments; stores that already activated it can keep using it. It was also never available to sole proprietors, individuals, partnerships, non-profits, dropshipping businesses or sellers of online training (Shopify Help Center: Przelewy24). If you want Przelewy24 today, use the operator's own app (below).
• No separate Stripe account. In countries where Shopify Payments is supported, Stripe can't be activated as a separate gateway, because Stripe is Shopify Payments' banking partner (Shopify Help Center: gateway availability). Older guides that recommend Stripe for Polish stores no longer apply.

One more thing works in Shopify Payments' favour: showing prices and charging in local currencies through Shopify Markets requires Shopify Payments. Polish brands used to run a separate store for each currency; now one store can sell in PLN, EUR and other currencies, and Advanced and Plus can also receive payouts in more than one currency. Our guide to selling in multiple currencies on Shopify covers the setup.

Polish payment gateways with Shopify apps

Shopify Payments isn't the only option. You can add a Polish operator next to it or instead of it, for example when you already have negotiated rates or need a payment method Shopify Payments doesn't offer. Remember the extra Shopify fee from the table above: it applies to orders paid through a third-party gateway.

• Przelewy24. The official Przelewy24 app adds online bank transfers, cards, mobile payments and other methods available in your Przelewy24 account. A separate Przelewy24 BLIK app shows BLIK as its own option in checkout, and Przelewy24 Raty displays instalments on product pages. We built the first official Przelewy24 app for Shopify (case study).
• PayU. PayU has two apps: PayU GPO, which redirects to the full PayU payment page, and PayU GPO BLIK, which shows BLIK directly in the list of payment methods.
• Tpay. The Tpay payments app offers bank transfers, BLIK, cards, instalments and deferred payments.
• ING Pay (formerly imoje). ING Bank Śląski renamed its imoje gateway to ING Pay on 1 July 2026; the Shopify app may still appear under the old name. It offers BLIK, fast transfers, cards with Apple Pay and Google Pay, and deferred payments. We built this integration with ING (case study).
• Paynow. The Paynow app adds fast bank transfers, BLIK, cards and deferred payments.
• PayPo. The leading Polish buy now, pay later provider has a free PayPo app. We built it, and at launch it was the first standalone deferred-payment app for Polish Shopify stores, with PLN and RON variants (case study).

Brand names in older articles have changed too: PayLane now operates as Polskie ePłatności Online, and Dotpay and eCard were merged into Przelewy24. If a guide tells you to connect Przelewy24 through Mollie, it describes a setup from before these official apps existed.

Selling to Polish customers from another country

You don't need a Polish company to offer BLIK. BLIK through Shopify Payments is available to stores whose Shopify Payments account is located in 29 countries: Australia, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Spain and Sweden (Shopify Help Center: BLIK).

In practice, a German or Dutch brand that wants to sell in Poland needs to:

1. Use Shopify Payments as its main payment provider.
2. Create a Poland market in Shopify Markets with prices in PLN, ideally with Polish translations and a local domain or subfolder.
3. Enable BLIK in Settings > Payments > Shopify Payments > Manage > More actions > Manage payment methods. With managed payment methods it may already be on.
4. Decide whether Polish customers also need pay-by-link transfers or BNPL, and add a Polish operator's app if they do.

Payments are only one part of entering the Polish market. Our guides to selling internationally on Shopify and to couriers for a Shopify store in Poland cover the rest.

Which payment setup should you choose?

For most new stores selling in Poland, we start with Shopify Payments: cards, Apple Pay, Google Pay, Shop Pay and BLIK in one account, with no extra transaction fee and native multi-currency. Then we check three things:

• Who your customers are. Polish shoppers trust BLIK and their own bank's logo. If many of them still pay by bank transfer, add a Polish operator for pay-by-link transfers.
• Whether you sell subscriptions or have physical stores. Neither is covered by Shopify Payments with BLIK in Poland, so you'll need additional providers.
• What a third-party gateway really costs. Compare your negotiated rate plus Shopify's extra fee with Shopify Payments. A simple example on Shopify Plus: a PLN 300 order paid with BLIK through Shopify Payments costs 0.9% + PLN 1.20, which is PLN 3.90, or 1.3% of the order. Through a third-party gateway you pay the operator's rate plus 0.2% to Shopify, so the gateway is cheaper only if its rate on that order is below about 1.1%. On Basic, with its 2% extra fee, a third-party gateway can't beat Shopify Payments' BLIK rate on that order (1.7% in total).

Large stores often end up with a mix: Shopify Payments as the default, one Polish operator for transfers and BNPL, and a payment customization built with Shopify Functions to hide, reorder or rename payment methods by market or cart. What you can customize at checkout, and what is reserved for Shopify Plus, is explained in our guide to Checkout Extensibility in 2026. B2B buyers usually pay differently again, by invoice with payment terms; see our guide to B2B on Shopify.

Our experience with Polish payments on Shopify

We have delivered 400+ projects on Shopify and Shopify Plus, and payments come up in almost every one that sells in Poland. Besides building the official Shopify apps for Przelewy24, imoje (now ING Pay) and PayPo, we set up payments in stores like these:

• The Odder Side moved from IAI to Shopify Plus with separate stores for different markets. We adapted local payment gateways to each market and extended the Przelewy24 integration, which the brand needed to run smoothly outside Poland (case study).
• 303 Avenue moved from PrestaShop to Shopify with PayPal, PayU and card payments in EUR and PLN, the gateways its customers were most comfortable with (case study).

If you are migrating from Magento or another platform, payments are part of the plan from day one; see our Shopify Plus vs Magento comparison and our migration services. If you need Przelewy24 configured or a different setup for several markets, see our Przelewy24 integration service or contact us.