Polish Złoty (PLN)
Published processing fees and market availability for the Polish Złoty (PLN) across 16 gateways, bank acquirers, and payment rails serving Poland. Always confirm current rates on the provider's official pricing page.
Regional context & bank acquiring rules: Europe payments guide · All Europe currencies
Who serves this currency
All 16 gateways, bank acquirers and wallets serving PLN markets, including providers with published PLN fee schedules (6) and custom/quote-only processors (10).
Card gateways & processors
| Provider & market notes | Fee schedule |
|---|---|
| StripeEEA cards in Poland; BLIK 1.5% + 1.00 zł. | Published fees |
| AdyenEnterprise processor (Uber, Spotify, eBay). Interchange++ from roughly 0.6% + fixed per transaction plus scheme fees, custom contract pricing only. | Worldwide |
| Checkout.comEnterprise processor strong in EMEA/LatAm; interchange++ blended rates negotiated per merchant. | Worldwide |
| BraintreeRegional availability, ask for a quote. | Serves this market |
| NuveiMontreal-based global processor supporting 680+ local payment methods across North America, Europe, LatAm and APAC. Custom interchange-plus pricing. | Serves this market |
| MollieRegional availability, ask for a quote. | Serves this market |
| PayUPayU Poland standard online rate (BLIK, pay-by-link, cards). | Published fees |
| SumUpPoland online payment links 2.5%. | Published fees |
| Viva.com (Viva Wallet)Regional availability, ask for a quote. | Serves this market |
| Przelewy24 (P24)Poland's leading gateway for BLIK, instant pay-by-link bank transfers and cards. | Published fees |
| TpayPolish online payment gateway (BLIK, pay-by-link, Apple/Google Pay, cards). | Published fees |
| ComgateRegional availability, ask for a quote. | Serves this market |
Wallets & other payment rails
| Provider & market notes | Fee schedule |
|---|---|
| PayPalPolish commercial transactions. | Published fees |
| GoCardlessRegional availability, ask for a quote. | Serves this market |
| GoPayRegional availability, ask for a quote. | Serves this market |
| Payoneer Profile →Cross-border receiving platform: local receiving accounts, marketplace payouts and client payment requests in 190+ countries. Not a card checkout gateway. See our full Payoneer profile for the fee breakdown. | Worldwide |
Compare gateways for an amount
This comparison only shows fees we can publicly verify (6 of 16 providers serving PLN). Processors and bank acquirers that quote custom or merchant-specific rates are listed under Who serves this currency above.
Enter an amount to compare verified PLN rates.
Disclaimer: Comparisons only include publicly verifiable standard rates as of November 6, 2026 and exclude custom-quoted gateways, bank MIDs, monthly plan fees and local taxes unless noted. See all 16 providers serving PLN.
Card gateway fees
Fee tables only show rates we can publicly verify from official provider schedules (10 additional providers serve PLN with custom or quote-only pricing—see all 16 providers above). We never invent figures for custom-quoted processors or bank acquirers. Figures are for comparison only; always confirm your exact rate on the provider's site.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| StripeEEA cards in Poland; BLIK 1.5% + 1.00 zł. | 1.5%+1.5% international cards | PLN 1.00 | n/a | +1.5% |
| PayUPayU Poland standard online rate (BLIK, pay-by-link, cards). | 1.9% | PLN 0.30 | n/a | Same rate |
| SumUpPoland online payment links 2.5%. | 2.5% | PLN 0.00 | n/a | Same rate |
| Przelewy24 (P24)Poland's leading gateway for BLIK, instant pay-by-link bank transfers and cards. | 1.9% | PLN 0.30 | n/a | Same rate |
| TpayPolish online payment gateway (BLIK, pay-by-link, Apple/Google Pay, cards). | 1.59% | PLN 0.39 | n/a | Same rate |
Compare two PLN card gateways side by side
Wallets & other payment rails (published rates)
Publicly verifiable merchant rates for mobile money, digital wallets and account-to-account rails in PLN.
| Provider | Local rate | Fixed fee | Fee cap | Intl. cards |
|---|---|---|---|---|
| PayPalPolish commercial transactions. | 2.9%+1.99% international cards | PLN 0.80 | n/a | +1.99% |
Monthly, plan & setup fees (PLN)
13 of 16 offer $0/mo base plans% + fixed fee) and are not included in calculator estimates above. Always verify current plan tiers on the provider's official pricing page.
Card gateways & bank acquirers — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| StripeStandard pay-as-you-go; Stripe Billing / Radar / custom packages optional | No monthly fee | $0/mo | $0 |
| AdyenNo fixed monthly fee, but enterprise minimum monthly invoice typically applies | Bank MID / custom | $0/mo (min. volume applies) | $0 |
| Checkout.comNegotiated interchange++ schedule for high-volume merchants | Bank MID / custom | Custom enterprise contract | Custom |
| BraintreeStandard pay-as-you-go merchant account; custom enterprise pricing at scale | No monthly fee | $0/mo | $0 |
| NuveiVaries by region & acquiring package | Bank MID / custom | Custom / quote | Custom |
| MollieNo monthly fee or minimum volume; pay only per successful transaction | No monthly fee | €0/mo | €0 |
| PayUPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| SumUpPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Viva.com (Viva Wallet)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| Przelewy24 (P24)Pay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| TpayPay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
| ComgatePay-as-you-go standard merchant account; pay only per transaction processed | No monthly fee | $0/mo | $0 |
Wallets & other payment rails — Monthly & setup fees
| Provider & plan notes | Plan structure | Base monthly fee | Setup fee |
|---|---|---|---|
| PayPalStandard Checkout $0/mo; Advanced / Pro virtual terminal ~$30/mo in US/CA/UK | $0/mo + tiers | $0/mo | $0 |
| GoCardlessAdvanced / Pro plans (£50–£200/mo) add custom branding & automated retry logic | $0/mo + tiers | $0 / £0 / €0/mo (Standard) | $0 |
| GoPayNo monthly subscription fee on standard merchant wallet / QR / A2A acceptance | No monthly fee | $0/mo | $0 |
| Payoneer Profile →Free to hold and receive; $29.95 annual fee applies to inactive accounts in some countries | $0/mo + tiers | $0/mo | $0 |
Polish Złoty (PLN) payment gateway FAQs
Which payment gateways and processors serve Poland (PLN)?
Sympli5 tracks 16 payment gateways, bank acquirers, and payment rails serving Poland (Polish Złoty, PLN), including Stripe, PayPal, Adyen, Checkout.com, Braintree, Nuvei and 10 others. Of these, 6 publish verifiable standard PLN per-transaction schedules and 10 operate on custom, quote-only, or bank Merchant ID (MID) pricing.
What are the lowest published payment processing fees in Polish Złoty (PLN)?
Among the 6 providers with publicly verified PLN schedules, the lowest headline variable rate starts at 1.5% + PLN 1.00 via Stripe. Your lowest effective cost depends on your average order value, card mix, and whether a fee cap applies—use the interactive PLN calculator on this page to compare exact net payouts.
Do PLN payment gateways charge monthly or setup fees?
Of the 16 providers serving PLN markets, 13 offer a $0/month base pay-as-you-go plan with $0 setup fees. The remaining 3 providers either require a monthly gateway plan or operate through a bank Merchant ID (MID) with bank-quoted monthly maintenance and setup fees. Monthly and setup costs are charged separately from per-transaction processing rates.
What does the international card surcharge mean for PLN transactions?
An international (foreign-issued) card fee applies when a customer pays your business in PLN using a Visa, Mastercard, or Amex issued by a bank outside your local merchant country—such as a foreign tourist or overseas buyer. In PLN, providers like Stripe (+1.5%), PayPal (+1.99%) add an explicit cross-border card surcharge on top of their domestic rate.