The ‘Poland Cards and Payments: Opportunities and Risks to 2029' report provides detailed analysis of market trends in the Polish cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cards, cash, credit transfers, direct debits and cheques during the review-period (2021-25e).
The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2025e-29f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.
The report brings together the analyst’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.
The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2025e-29f). It also offers information on the country's competitive landscape, including market shares of issuers and schemes.
The report brings together the analyst’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.
The ‘Poland Cards and Payments: Opportunities and Risks to 2029' report provides top-level market analysis, information and insights into the Polish cards and payments industry, including:
- Current and forecast values for each market in the Polish cards and payments industry, including debit, credit and charge cards.
- Detailed insights into payment instruments including cards, cash, credit transfers, direct debits and cheques. It also, includes an overview of the country's key alternative payment instruments.
- Ecommerce market analysis.
- Analysis of various market drivers and regulations governing the Polish cards and payments industry.
- Detailed analysis of strategies adopted by banks and other institutions to market debit, credit and charge cards.
- Comprehensive analysis of consumer attitudes and buying preferences for cards.
- The competitive landscape of the Polish cards and payments industry.
Key Highlights
- Global Payments is the leading acquirer in the Polish merchant acquiring market. In August 2022, Global Payments announced acquisition of EVO Payments; a transaction that was completed in March 2023. The company provides a diverse selection of POS terminals, including mobile POS systems. Furthermore, it offers Dynamic Currency Conversion (DCC) services which allows merchants to accept payments from international card holders in over 36 different currencies.
- The Polish mobile wallet landscape is led by BLIK; a homegrown solution integrated into over 20 major banks in the country. It allows users to make both in-store and online payments. In Q1 2025, BLIK users completed a total of 665 million transactions (including ecommerce, POS, ATM, and P2P)-up from 28% in comparison to the previous year. As of December 2024, BLIK has nearly 18.5 million users in Poland. To capitalize on this, BLIK introduced the deferred payment option BLIK Pay Later, initially available for Millennium and Velo Bank customers. However, in June and July 2025, this service was expanded to Alior Bank and Bank Polski bank customers. As of June 2025, the pay later service is available at over 20,000 online stores.
- Poland is among the advanced contactless payment markets in the world, with the majority of consumers embracing this payment method. In June 2025, the Polish fintech company Autopay introduced HandGo, a palm-authentication shopping solution, which made Poland the first European country piloting palm vein biometric transactions. This solution enables consumers to pay with nothing more than the palm of their hand-eliminating the need for smartphones, cards or wearable devices. Users need to register their palm vein pattern via the Autopay app and link it to a payment card. At the checkout, instead of swiping a card or tapping a phone, the user just places their hand over a special scanner for making payments.
Scope
- Card market size in terms of number of cards, value and volume of transactions in Poland along with detailed card segmentation of debit, credit and charge cards available in the country.
- Market sizing and analysis of major payment instruments including cards, cash, credit transfers, direct debits and cheques.
- Payment market trends and growth for both historical and forecast period.
- Competitor analysis with detailed insights into leading card issuers and schemes.
- Comprehensive analysis of consumer attitudes and buying preferences for cards.
- A detailed snapshot of country's key alternative payment brands.
Reasons to Buy
- Make strategic business decisions, using top-level historic and forecast market data, related to the Poland cards and payments industry and each market within it.
- Understand the key market trends and growth opportunities in the Poland cards and payments industry.
- Assess the competitive dynamics in the Poland cards and payments industry.
- Gain insights into marketing strategies used for various card types in Poland.
- Gain insights into key regulations governing the Poland cards and payments industry.
Table of Contents
1. Executive Summary2. Market Overview
3. Payment Instruments
4. Card-Based Payments
5. Merchant Acquiring
6. Ecommerce Payments
7. In-Store Payments
8. Buy Now Pay Later
9. Mobile Payments
10. P2P Payments
11. Bill Payments
12. Alternative Payments
13. Payment Innovation
14. Job Analysis
15. Payment Infrastructure and Regulation
16. Appendix
List of Tables
- Key facts, 2025
- Benchmarking of payment cards, 2025
- Payment instrument transaction values (LCU), 2021-29f
- Payment instrument transaction values ($), 2021-29f
- Payment instrument transaction volumes (units), 2021-29f
- Payment cards in circulation by type (units), 2021-29f
- Volume of payment card transactions (units), 2021-29f
- Value of payment card transactions (LCU),2021-29f
- Value of payment card transactions ($), 2021-29f
- Debit cards in circulation (units), 2021-29f
- Debit card transaction volumes, 2021-29f
- Debit card transaction values (LCU), 2021-29f
- Debit card transaction values ($),2021-29f
- Debit cards in circulation by scheme (units), 2021-25e
- Debit card transaction values by scheme (LCU), 2021-25e
- Debit card transaction values by scheme ($), 2021-25e
- Debit cards in circulation by issuer (units), 2021-25e
- Debit cards transaction value by issuer (LCU), 2021-25e
- Debit cards transaction value by issuer ($), 2021-25e
- Credit cards in circulation (units), 2021-29f
- Credit card transaction volumes, 2021-29f
- Credit card transaction values (LCU), 2021-29f
- Credit card transaction values ($), 2021-29f
- Credit cards in circulation by scheme (units), 2021-25e
- Credit card transaction values by scheme (LCU), 2021-25e
- Credit card transaction values by scheme ($), 2021-25e
- Credit cards in circulation by issuer (units), 2021-25e
- Credit cards transaction value by issuer (LCU), 2021-25e
- Credit cards transaction value by issuer ($), 2021-25e
- Merchant acquiring transaction volumes (units),2021-29f
- Merchant acquiring transaction values (LCU),2021-29f
- Merchant acquiring transaction values ($), 2021-29f
- Acquirers’ transaction volumes (units), 2021-25e
- Acquirers’ transaction values (LCU), 2021-25e
- Acquirers’ transaction values ($), 2021-25e
- Retail outlets and card-accepting merchants (units), 2021-29f
- Debit card average interchange fees (%), 2021-25e
- Credit and charge card average interchange fees (%), 2021-25e
- Debit card merchant service charge and interchange fee (%), 2021-29fs
- Credit and charge card merchant service charge and interchange fee (%), 2021-29f
- Retail market by product categories (LCU), 2021-29f
- Retail market by product categories ($), 2021-29f
- Retail market by service categories (LCU), 2019-23
- Retail market by service categories ($), 2019-23
- Inflation rate
- GDP growth rate
- Payment instruments transaction value and volume
- Instant payments transaction value and volume
- Card penetration
- Card payments by value
- Debit card frequency of payments and average transaction value
- Debit card schemes transaction value and volume
- Debit card issuers by number of cards and transaction value
- Credit and charge card frequency of payments and average transaction value
- Credit and charge card schemes transaction value and volume
- Credit and charge card issuers by number of cards and transaction value
- Credit and charge card debt
- Contactless card holding and usage in detail
- Merchant acquiring of payment card transaction value and volume
- Merchant acquiring of payment card transaction value and volume by company type
- Retail product by catagories transaction value and year-on-year grouth
- Retail services by catagories transaction value and year-on-year grouth
- E-commerce transaction value and ecommerce breakdown by mobile vs. desktop/laptop
- Ecommerce market by product and services
- Ecommerce market by payment tools
- Factors driving in-store payments and In-store transaction value by payment method
- In-store transaction value by products and services
- BNPL service used in the last six months and Preferred BNPL brand/tool for in-store payments
- BNPL online transaction value and transaction volume
- BNPL share of overall ecommerce transaction value and preferred BNPL brand/tool for online payments
- Mobile wallet holding and use by demographic
- Mobile wallet funding methods, mobile wallet preference by product/service and mobile wallet ownership by brand
- Domestic and international P2P money transfers
- Payment tool preference for bill payment and bill payment frequency
- Active jobs intensity in the country
- Number of POS terminals and ATMs
Companies Mentioned (Partial List)
A selection of companies mentioned in this report includes, but is not limited to:
- Narodowy Bank Polski
- Mastercard
- Empik
- PayEye
- BLIK
- PKO
- Poczta Polska
- Visa
- Google Pay
- Bank Pekao
- Santander
- Millennium Bank
- Credit Agricole
- Express Elixir
- BlueCash
- Bank Pocztowy
- Aion Bank
- Citi Handlowy
- Citibank
- H&M
- Multikino
- Douglas
- Bank Millennium
- BNP Paribas
- American Express
- Pluxee
- EVO
- Fiserv
- Elavon
- Kaufland
- Wolt
- VeloBank
- PayPal
- Klarna
- PayPo
- Parcela Ja
- Twisto
- Santander Bank Polska
- Alior
- BillBird
- Carrefour
- Ruch
- Zabaka
- Rachuneo
- Przelewy24
- paysafecard
- Click to Pay
- Empik
- Autopay
- ING
- PepPay
