How does a Przelewy24 payment work?
The shopper selects Przelewy24 at checkout and is redirected to its payment page. There they choose their bank, sign in to online banking with their usual credentials and authorise a transfer whose amount, recipient and reference are already filled in. They then return to the merchant’s site, and the provider notifies the merchant of the result. Stripe, which offers Przelewy24 as a bank redirect, gives the shopper up to one hour from checkout to complete the authorisation.
Each payment carries a reference. On the shopper’s bank statement, a Przelewy24 payment shows a unique P24 reference number followed by the merchant’s statement descriptor, which helps both sides match the payment to an order.
Przelewy24 is more than a transfer button. Its payment page lists 13 methods, including pay-by-link transfers from Polish banks, BLIK and cards, so a merchant that connects to it can show several Polish methods behind one choice at checkout. A merchant that also offers BLIK as its own button can still use Przelewy24 mainly for bank transfers.
Why does Przelewy24 matter for merchants?
Fast transfers are the second most used online payment in Poland. In the Gemius E-commerce in Poland 2025 survey, as summarised by Przelewy24, 64% of online shoppers had paid by fast bank transfer, behind BLIK at 72% and ahead of cards at 43%. Shoppers who do not use BLIK, or whose bank app is not at hand, still expect to pay straight from their bank account.
It has a long-standing owner group behind it. Przelewy24 is run by PayPro SA. In 2019 Nets took a 51% stake in the company as part of a strategic alliance, and Nets has since become part of the Nexi group.
It carries little dispute risk. The shopper authenticates the payment with their own bank, so the risk of fraud or unrecognised payments is low. Stripe’s documentation says Przelewy24 payments do not lead to disputes that turn into chargebacks.
What can go wrong?
The shopper may not finish at the bank. A forgotten online banking password, a missing confirmation on the phone or a closed browser tab leaves the payment unfinished. Because the shopper has time to authorise, the merchant should wait for the provider’s notification rather than treat the return to the store as proof of payment.
Refunds work differently from card refunds. Through Stripe, a merchant can refund in full or in part within 180 days of the payment, and the refund takes up to three business days. It arrives as a separate credit to the shopper’s bank account, not as a reversal, and is not labelled as a refund on the statement, so the shopper should be told it is on its way. A refund cannot be cancelled once sent, and if it fails the merchant must pay the shopper back another way.
Some features are missing. Stripe does not support recurring payments, manual capture or partial capture for Przelewy24, and it lists business categories that cannot use the method, so subscription and pre-order models need another option. Mollie also lists recurring payments as not supported.
Terms differ by provider. Mollie describes Przelewy24 as integrated with 165 banks, accepts amounts from 0.01 up to 55,000 in PLN or EUR, gives the shopper 60 minutes before the session times out, settles in three business days and allows refunds for 365 days. Stripe settles in up to two business days and allows refunds for 180 days, so the provider behind the method sets the windows a merchant works with.
How would Omno handle Przelewy24?
A merchant would show Przelewy24 in the hosted checkout or start it through Direct Links on its own checkout, with routing rules sending the payment to a provider that holds a Przelewy24 connection. In the hosted checkout, if a provider is unavailable or rejects the request before the redirect, the payment moves to the next provider in the rule until one accepts. The order would stay pending until the provider reports a final status, and the result would reach the merchant by webhook, which is the source of truth for confirming an order. The routing-decision log would record which provider handled each step.