The Report Includes Poland Payment Gateway and the Market is Segmented by Mode of Payment (Point of Sale (Card Payments, Digital Wallet, Cash), Online Sale (Card Payments, Digital Wallet)), and by End-user Industries (Retail, Entertainment, Healthcare, Hospitality). The market sizes and forecasts are provided in terms of value (USD) for all the above segments.

The Polish payments market is projected to reach a value of XX million by 2033, exhibiting a CAGR of 12.39%. The growth is attributed to increasing digitalization, rising e-commerce penetration, and growing adoption of mobile payments. The Point of Sale (POS) segment holds a significant market share, with card payments and digital wallets gaining traction. Online sales are also experiencing growth, driven by the expansion of e-commerce platforms. Key drivers of the market include increasing internet and smartphone penetration, government initiatives to promote cashless transactions, and the growing popularity of mobile wallets. However, concerns about data security and fraud pose challenges to the industry. Major companies operating in the market include Bank Pekao, PKO Bank Polski, Apple Pay, and PayPal. The market is segmented into end-user industries such as retail, entertainment, healthcare, and hospitality, with retail accounting for a significant share. The report provides detailed insights into the market, including historical and forecast data, market dynamics, competitive landscape, and future trends. Recent developments include: May 2022 - Allegro announced a new service implemented in one of the platform's delivery methods - One Kurier. Customers using this method and paying for cash-on-delivery purchases can pay by card or smartphone using the contactless method on the courier's device used to manage shipments., May 2022 = PKO BP announced today that it is completing work on a deferred payment solution (the so-called BNPL - buy now, pay later). One of the essential features of the new service will be that after its introduction by PKO BP, it will become one of the payment options available in virtually all online shops in Poland.. Key drivers for this market are: Advancements in the Polish Payments Market, Initiatives by the Government to improve cashless payment methods. Potential restraints include: Lack of a standard legislative policy remains especially in the case of cross-border transactions. Notable trends are: Advancements in the Polish Payments Market.

The Polish payments industry is experiencing robust growth, projected to maintain a Compound Annual Growth Rate (CAGR) of 12.39% from 2025 to 2033. This expansion is fueled by several key factors. The increasing adoption of digital technologies, particularly e-commerce and mobile banking, is driving a significant shift from cash transactions to digital payment methods. Consumers are increasingly comfortable using digital wallets, mobile payment apps, and online banking platforms for purchases, leading to a surge in card payments and digital wallet usage. Furthermore, the government's initiatives to promote digitalization and financial inclusion are contributing to this growth. The expansion of online retail and the increasing penetration of smartphones are also significant contributors. Key players like PayU, PayPal, and Mastercard are actively investing in the Polish market, further stimulating competition and innovation. While the market faces challenges like concerns over data security and the need for robust infrastructure development to support seamless digital transactions, the overall outlook remains highly positive. The segmentation of the Polish payments market reveals a diverse landscape. The "By Mode of Payment" segment shows a clear upward trend towards digital channels, with Point of Sale (POS) systems – including card payments and digital wallets – experiencing significant growth. While cash remains prevalent, its dominance is gradually decreasing. Similarly, the "By End-user Industry" segment showcases strong growth in retail, entertainment, and hospitality sectors, driven by increased online shopping and consumer spending. Healthcare is also emerging as a key growth segment, with increased adoption of digital payment solutions in hospitals and clinics. Competition within the market is intense, with both domestic and international players vying for market share. This competitive environment drives innovation and helps maintain a favorable cost structure for consumers. The long-term forecast suggests continued expansion, driven by technological advancements and increasing consumer adoption of digital payment solutions. Recent developments include: May 2022 - Allegro announced a new service implemented in one of the platform's delivery methods - One Kurier. Customers using this method and paying for cash-on-delivery purchases can pay by card or smartphone using the contactless method on the courier's device used to manage shipments., May 2022 = PKO BP announced today that it is completing work on a deferred payment solution (the so-called BNPL - buy now, pay later). One of the essential features of the new service will be that after its introduction by PKO BP, it will become one of the payment options available in virtually all online shops in Poland.. Key drivers for this market are: Advancements in the Polish Payments Market, Initiatives by the Government to improve cashless payment methods. Potential restraints include: Advancements in the Polish Payments Market, Initiatives by the Government to improve cashless payment methods. Notable trends are: Advancements in the Polish Payments Market.

In 2024, debit and prepaid cards were the preferred payment methods at POS in Poland. Additionally, the market shares of credit cards and digital wallets have grown since COVID-19. Especially mobile wallets are noticeable in this regard, growing at a relatively faster pace than credit cards since 2017. For example, research from Statista suggests that the use of Google Pay in Polish stores or restaurants was higher than the penetration rate seen in other countries across the world. Another reason is the growing number of POS transactions of BLIK - a domestic payment app linked to Poland's leading banks that also provides ATM services and can be used in physical stores.

The transaction value is forecast to experience significant growth in all segments in 2028. As part of the positive trend, the indicator reaches the maximum value for all three different segments at the end of the comparison period. Particularly noteworthy is the segment Mobile POS Payments, which has the highest value of 64.72 billion U.S. dollars. Find other insights concerning similar markets and segments, such as a comparison of number of campaigns in the United Kingdom and a comparison of revenue in the United Kingdom. The Statista Market Insights cover a broad range of additional markets.

Poland Payments Market size was valued at USD 150.62 Million in 2024 and is projected to reach USD 801.90 Million by 2032, growing at a CAGR of 18.2% from 2026 to 2032.

Poland Payments Market Drivers

Increased Adoption of Digital Payments: As the number of smartphones and internet users grows, digital payments are gaining popularity in Poland. Consumers and organizations are increasingly depending on mobile wallets, contactless payments, and e-commerce transactions for their convenience, security, and speed.

Government Measures and Regulations: The Polish government has actively pushed the use of digital payments and cashless transactions through a variety of measures. Poland's commitment to a cashless economy is consistent with EU ambitions to promote digital payments and minimize cash dependency. Policies requiring businesses to use point-of-sale (POS) systems have boosted digital transactions.

Regulatory frameworks such as PSD2 (Payment Services Directive 2) have improved the security and efficiency of digital payments, building trust in both users and businesses. E-commerce Growth: The rise in online purchasing has greatly increased the demand for seamless, safe, and efficient payment solutions in Poland. As more people resort to online platforms for retail, banking, and services, payment providers are responding to this increasing market by offering a variety of solutions, including credit/debit card payments and buy-now, pay-later choices.

The Poland POS terminal market, valued at approximately €[Estimate based on market size XX and Value Unit Million. Let's assume XX = 100 for illustration. This is an assumption and should be replaced with the actual value. If XX represents a different metric, adjust accordingly] million in 2025, exhibits robust growth potential, projected to expand at a compound annual growth rate (CAGR) of 8.40% from 2025 to 2033. This growth is fueled by the increasing adoption of digital payment methods across various sectors, particularly within the retail and hospitality industries. The rising demand for efficient and secure transaction processing solutions, coupled with government initiatives promoting digitalization, further drives market expansion. The market is segmented by terminal type (Fixed Point-of-Sale and Mobile/Portable Point-of-Sale) and end-user industry (Retail, Hospitality, Healthcare, and Others). Fixed POS systems currently hold a larger market share, driven by established businesses, but mobile POS systems are experiencing significant growth, driven by increasing e-commerce adoption and the need for flexible payment solutions. Competition is intense, with major players like Ingenico Group (Worldline), Samsung, HP, NEC, and Verifone vying for market share through innovation and strategic partnerships. While the market enjoys favorable conditions, potential restraints include the initial investment costs associated with implementing new systems and the ongoing need for cybersecurity measures to protect sensitive transaction data. The forecast period (2025-2033) anticipates continued expansion, with increasing demand from both established businesses seeking upgrades and newer entrants adopting technology to improve operational efficiency. The healthcare sector is poised for growth as more clinics and hospitals adopt electronic payment systems for enhanced convenience and transparency. The "Others" segment, encompassing various sectors like transportation and entertainment, also presents a significant growth opportunity. While the market faces challenges like economic fluctuations and potential technological disruptions, the overall positive trend suggests continued robust growth throughout the forecast period, making Poland a promising market for POS terminal providers. This analysis considers trends in digital payment adoption, government regulations, and competitive dynamics within the Polish market. Recent developments include: April 2022 - Glory announced the opening of a direct sales office in Warsaw as part of its ongoing growth. Glory Global Solutions (Poland) LLC will benefit from market expansion in Poland, particularly in the retail industry. Glory's tried-and-true point of sale and back office hardware and software solutions help merchants run more efficiently while enhancing the shopping experience for Polish customers in all retail segments., April 2022 - Credit Agricole in Poland has adopted the advanced SoftPos contactless payment acceptance system. The Polish fintech business SoftPos.EU and Elavon, a player in the payments industry, are responsible for the solution. Customers of Credit Agricole have access to a mobile application for taking payments. Customers can make contactless payments for services without using extra equipment like a payment terminal or PIN pad by installing the Elavon SoftPos application on Android 8.0 or later.. Key drivers for this market are: Low Total Cost of Ownership Compared to Other Channels of Payments, Significant Rise in the Demand for Contactless and Mobile POS Terminals. Potential restraints include: Constant Fluctuations in Raw Material Supply. Notable trends are: Strong adoption of Mobile Point-of-Sale System is Driving the Market Growth.

Poland BoP: EUR: FA: Portfolio Investment: Assets: Debt Instruments: Money Market Instruments (MM) data was reported at -34.000 EUR mn in Mar 2018. This records an increase from the previous number of -42.000 EUR mn for Dec 2017. Poland BoP: EUR: FA: Portfolio Investment: Assets: Debt Instruments: Money Market Instruments (MM) data is updated quarterly, averaging -3.000 EUR mn from Mar 2004 (Median) to Mar 2018, with 57 observations. The data reached an all-time high of 169.000 EUR mn in Mar 2004 and a record low of -874.000 EUR mn in Dec 2008. Poland BoP: EUR: FA: Portfolio Investment: Assets: Debt Instruments: Money Market Instruments (MM) data remains active status in CEIC and is reported by National Bank of Poland. The data is categorized under Global Database’s Poland – Table PL.JB002: Balance of Payments: BPM6: Quarterly.

Poland POS Terminal Market was valued at USD 1.0 Billion in 2024 and is projected to reach USD 2.1 Billion by 2032, growing at a CAGR of 10.3% from 2025 to 2032.

Poland POS Terminal Market Dynamics

The key market dynamics that are shaping the Poland POS terminal market include:

Key Market Drivers

Rapid Digital Payment Adoption: According to the National Bank of Poland (NBP), card payments climbed by 19.4% in 2022, with over 8.2 billion transactions completed. The NBP also estimated that the number of payment cards in circulation would reach 44.2 million in 2022, reflecting an 85% penetration rate among the Polish population, necessitating the installation of more POS machines in retail outlets.

Poland BoP: EUR: FA: Portfolio Investment: Liabilities: Debt Instruments: Money Market Instruments (MM) data was reported at 3.000 EUR mn in Mar 2018. This records an increase from the previous number of -2.000 EUR mn for Dec 2017. Poland BoP: EUR: FA: Portfolio Investment: Liabilities: Debt Instruments: Money Market Instruments (MM) data is updated quarterly, averaging -2.000 EUR mn from Mar 2004 (Median) to Mar 2018, with 57 observations. The data reached an all-time high of 725.000 EUR mn in Jun 2009 and a record low of -712.000 EUR mn in Sep 2009. Poland BoP: EUR: FA: Portfolio Investment: Liabilities: Debt Instruments: Money Market Instruments (MM) data remains active status in CEIC and is reported by National Bank of Poland. The data is categorized under Global Database’s Poland – Table PL.JB002: Balance of Payments: BPM6: Quarterly.

In which European countries can you pay contactless? This varies greatly per country. The market share of contactless payments (processed by MasterCard) reached 83 percent in Poland in 2018, whereas this penetration rate was only four percent in Belgium that year. On average, contactless transactions made up 48 percent of all payment transactions made at points of sale (POS) each month in Europe. These large differences stem from Europe having a lot of diversity when it comes to the use of payment methods. For this reason, there is not much comparative data across multiple European countries that covers all brands (MasterCard, Visa but also domestic brands like Bancontact in Belgium). Statista offers a dedicated research page which tries look more into the topic of digital payment methods in Europe.

Why are not all European countries in this list?

The 17 numbers provided in this ranking are from the same source but were collected from multiple news outlets. Some countries (Denmark, Croatia, Greece and Russia) only got a brief mention that contactless transactions were "above 50 percent". Other countries such as Sweden, Norway and Finland, however, were not published at all. Other data suggests, though, that these countries were already underway towards the cashless society. In Finland, 21 percent of respondents said they did not own a device with an NFC feature. Data from a domestic survey suggests that 54 percent of Swedish respondents “sometimes” would pay by contactless card, whereas 29 percent said they always used contactless cards in-store.

How much of this is done not by card but by something like Apple Pay?

Apple Pay, Samsung Pay and Google Pay are forms of so-called e-wallets and are supported by PayPal, Alipay, Amazon Payments and national initiatives like Lyf Pay in France or Moneta in Poland. The European e-wallet landscape is fragmented, however, as corporations in Europe often did not offer e-wallets as a payment method in 2018. PayPal is still a popular e-wallet in Europe, however, as indicated by the company’s growing profit in the European region.

European Union BOP: EA 20: Poland: FA: Money Market Funds: OI data was reported at 0.000 EUR bn in Dec 2024. This stayed constant from the previous number of 0.000 EUR bn for Sep 2024. European Union BOP: EA 20: Poland: FA: Money Market Funds: OI data is updated quarterly, averaging 0.000 EUR bn from Mar 2013 (Median) to Dec 2024, with 48 observations. The data reached an all-time high of 0.211 EUR bn in Mar 2015 and a record low of -0.433 EUR bn in Jun 2015. European Union BOP: EA 20: Poland: FA: Money Market Funds: OI data remains active status in CEIC and is reported by European Central Bank. The data is categorized under Global Database’s European Union – Table EU.JB021: BPM6: European Central Bank: Balance of Payments: Euro Area: Poland.

The market size of credit card payments in Poland declined somewhat in 2020, as consumers now made 13.5 transactions per capita. Whilst the country does not rank as one of the most cashless societies in Europe, its process of payment digitalization is sometimes regarded as one of the fasted on the continent. One of the main reasons behind this trend is the rollout of Poland's digital payment method BLIK, which is accepted in both offline and online stores and ATMs.

Poland PL: BoP: Financial Account: Direct Investment: Assets: Equity: Reinvested Earnings: ow Money Market Fund Shares/Units data was reported at 0.000 USD mn in Dec 2021. This stayed constant from the previous number of 0.000 USD mn for Sep 2021. Poland PL: BoP: Financial Account: Direct Investment: Assets: Equity: Reinvested Earnings: ow Money Market Fund Shares/Units data is updated quarterly, averaging 0.000 USD mn from Mar 2021 (Median) to Dec 2021, with 4 observations. The data reached an all-time high of 0.000 USD mn in Dec 2021 and a record low of 0.000 USD mn in Dec 2021. Poland PL: BoP: Financial Account: Direct Investment: Assets: Equity: Reinvested Earnings: ow Money Market Fund Shares/Units data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Poland – Table PL.IMF.BOP: BPM6: Balance of Payments: Detailed Presentation.

Poland PL: BoP: Financial Account: Portfolio Investment: Liabilities: Equity: Investment Fund Shares/Units: ow Money Market Fund Shares/Units data was reported at 0.000 USD mn in Dec 2021. This stayed constant from the previous number of 0.000 USD mn for Sep 2021. Poland PL: BoP: Financial Account: Portfolio Investment: Liabilities: Equity: Investment Fund Shares/Units: ow Money Market Fund Shares/Units data is updated quarterly, averaging 0.000 USD mn from Mar 2021 (Median) to Dec 2021, with 4 observations. The data reached an all-time high of 0.000 USD mn in Dec 2021 and a record low of 0.000 USD mn in Dec 2021. Poland PL: BoP: Financial Account: Portfolio Investment: Liabilities: Equity: Investment Fund Shares/Units: ow Money Market Fund Shares/Units data remains active status in CEIC and is reported by International Monetary Fund. The data is categorized under Global Database’s Poland – Table PL.IMF.BOP: BPM6: Balance of Payments: Detailed Presentation.

In 2024, the Polish video game console market decreased by -65.1% to $157M for the first time since 2021, thus ending a two-year rising trend. Over the period under review, consumption showed a pronounced decrease. Video game console consumption peaked at $490M in 2018; however, from 2019 to 2024, consumption failed to regain momentum.

A2A payments made up 17 percent of total e-commerce transaction value in Europe in 2024, with the highest penetrations found in Poland and the Netherlands. This is according to a market model that was repeated over several years for different individual countries across Europe. Noticeable here is that the countries that use account-to-account payments - essentially open banking-led payment options, that can sometimes also be real-time (instant) payments - typically have a low penetration of international payment card schemes. Main A2A in Europe include Poland's BLIK, the Netherlands' iDEAL, or Sweden's Swish - with brands like Bizum in Spain attracting global interest.

Research indicates the market shares of Visa and Mastercard for card payments were relatively even in Poland as of 2020, unlike in previous years. At first glance, these figures might look somewhat confusing as they lack information on an important payment scheme found in the country: BLIK. The source, however, states the figures provided cover card brands. BLIK - a domestic initiative to promote digital payments via mobile - does not fit this bill. Regardless, the payment method should be overlooked as it was estimated to have millions of users in Poland.

Bus transport, urban and suburban overground railway transport and metro services represent the bulk of industry revenue. Supported by the EU Commission and European Investment Bank, urban public transport is becoming more sustainable, rolling out electric buses and low-emission trains. Bus Rapid Transit (BRT) systems have gained popularity as a cost-effective alternative to far more expensive urban rail investments. Similarly, European metro services remain major cities' primary public transport service, driven by convenience and increasing urbanisation across Europe. Over the five years through 2024, industry revenue is projected to drop at a compound annual rate of 4.1% to €93.7 billion. The COVID-19 outbreak slashed passenger numbers, with many trains and bus services across Europe suspending or reducing operations amid lockdown orders. Accordingly, industry revenue dropped by 18.6% in 2020 and has only partially recovered. By the end of 2021, many European metropolitan areas only recorded a 60-70% of pre-pandemic public transport ridership level, with the European parliament warning of a 10-15% structural drop in public transport usage over the four years through 2024. In 2024, industry revenue is expected to tumble by 2.5% as inflationary pressure makes public transport services more expensive. Over the five years through 2029, industry revenue is expected to climb at a compound annual rate of 2.1% to reach €104 billion. The Europe Strategy for low-emission mobility and EU urban mobility framework strive to boost the share of sustainable transport modes in urban transport systems, including increasing the number of electric buses in circulation. These strategies will help the EU reduce greenhouse gas emissions by at least 55% by 2030 and by 90% by 2050 while boosting investment in the industry. Similarly, autonomous shuttle services have the potential to support urban transit service expansion with lower capital and operating costs compared with other modes of public transport.

In 2020, online payments were the most popular payment method from most devices such as computers, smartphones, and tablets, followed by BLIK, which has recently gained significantly in popularity in Poland.

Payment methods

In 2020, surprisingly, less than half of the Poles surveyed made online payments, where more than half had never made an online payment. In 2020, the share of people using electronic payments varied by age group. The largest non-electronic payment groups were people under 18 and people over the age of 54. On the other hand, the highest share of electronic payments was recorded among people aged 25-34. Poles in 2020 indicated fast transfer through a payment service, BLIK payment, and cash on delivery as the most convenient payment methods.

E-commerce market forecast

The e-commerce market is experiencing growth every year. According to the Statista Digital Market Outlook, Poland’s number of e-commerce users in Poland will increase to 21.5 million in 2025. As for the penetration of internet users by 2025, the share of monthly active internet users is expected to reach about 90 percent of the total population. Digital Market Outlook also forecasted growth in e-commerce market revenue, with e-commerce industry revenue expected to reach 18 billion U.S. dollars by 2025.