Today, the number of online transactions is growing at a dizzying pace, with as many as 93% Internet users regularly shopping online in the Polish e-commerce market. These customers, however, have increasing cyber security requirements. Not only do they want to have how to pay online, they also want to be able to do so without worrying about their own data or money. Thinking about setting up an online store? Check it out, what online payment methods are worth implementingto make life easier for customers and increase the chance that they will close the transactions they have started. After all, convenient online payment is one of the elements through which orders are more likely to be finalized.
What will you learn from this article?
Offering customers only card payments for online purchases is not enough these days. A variety of methods - including making deferred or installment payments available - gives you a better chance for sales success. Customers are also paying more and more attention to the protection of their data, which is why it is so important to offer them secure online payments. In this article we write:
- What are main online payment methods offered in e-commerce to customers?
- What are the most popular payment methods chosen by customers in Poland?
- What to keep in mind when deciding on payments in the e-commerce industry?
- What are deferred payments, virtual wallets, Google Pay and Apple Pay?
- Like safely pay on the internet?
What is an online payment?
Before you find out what payment methods are worth considering in the online store, it is worth answering the question -. what online payment means? Online payment is the payment of fees for products or services over the Internet. They are carried out via online banking from your bank account, mobile app, and also via modern solutions. Which ones?
- Quick transfers (pay-by-link)
- Card payments (Visa, Mastercard)
- Electronic wallets (e.g., Google Pay, PayPal)
- Deferred payments
- BLIK
In most cases, the process is handled by payment gateways offered by the payment provider, which provide fast online transfers, security and convenience of transactions.
The most popular online payment methods
To meet customers' expectations, you need to offer them a variety of online payment options in your online store. According to the Chamber of Electronic Commerce's 2025 report "Omni commerce. Buying Conveniently" (2025), the most popular online payment methods are still BLIK and fast transfers. Deferred payments, as well as digital wallets such as Google Pay, are now increasingly popular. At the same time, paying with cash, including cash on delivery, which is popular in e-commerce, has fallen to 22% overall. Care about your customers' comfort? Offer them in your e-store not only the most fashionable, but most importantly a variety of ways to pay for goods or services. This is because choosing the right payment methods has an impact on order processing time and overall buyer satisfaction.
Online transfers
Online transfers are a convenient option offered to customers in most online stores. How to pay by online transfer? After placing the order, the buyer selects his bank and confirms the transaction in the app or online banking. The recipient's data and the amount are completed automatically, which reduces processing time and eliminates the risk of mistakes. Before choosing an online transfer operator, it's worth learning about the differences between them - PayU, for example, allows international payments, while Tpay offers integration with loyalty programs, which can increase conversions.
Quick transfer
Fast electronic payments are particularly popular in the online store. Payment method fast transfer PayU - what it consists of? The customer clicks "order and pay", chooses a bank and confirms the data. How to pay with PayU ? The form is filled out automatically, so the transaction takes a while, and the seller receives the funds almost immediately. Different systems have different commissions - PayU 2.3%, Przelewy24 1.9%, Tpay 1.59% + 0.30 PLN. This also affects the decision of which operator to choose for your online store.
Payment cards
Payment cards are a proven payment method in Polish e-commerce. Which card can be used to pay on the Internet? The most commonly accepted are Visa and Mastercard. To make an online credit card transfer, the customer enters the card number, expiration date and CVV code. An order by card can be paid by debit or credit card. How to pay by card for online purchases? All you need to do is enter your data and approve the transaction with an SMS code or in the bank's app. In addition, 3D Secure provides protection for the transaction, and daily card limits can affect the amount of an order in Polish e-commerce.
Traditional transfer
Traditional transfer is a payment method familiar to everyone. After the purchase, the customer receives the transfer details and enters them in the appropriate field of the form. Although the e-commerce industry is moving away from this payment method, it still finds supporters. How to pay by wire transfer? All you need to do is fill in the title and account number. However, the form of payment by wire transfer requires longer posting. Dotpay traditional transfer - how to do? The same as a regular bank transfer. It is worth knowing that you can easily integrate Dotpay traditional transfer into your e-store, which will enable automatic confirmation of the payment and speed up order processing.
BLIK
Among online payment methods in Polish online stores, BLIK holds a special place. These are fast mobile payments in which the customer enters a code during the transaction and validates it in the bank app. This makes e-commerce payments simple, convenient and instant. The BLIK system is supported by almost all banks, which makes it it is used by a wide range of users. The BLIK system has amount limits that can be set in the app, and transactions above the limit require additional authorization. It supports almost all banks in Poland, which increases customer reach and convenience.
Google Pay / Apple Pay
Google Pay and Apple Pay are payment methods that are growing in popularity. In the online store, customers can quickly pay with a card linked to the app - Without entering data manually. It is worth implementing these solutions in your store, as customers are increasingly making purchases on mobile devices, and security and convenience are becoming key. Apple Pay additionally uses biometric authorization, which reduces the risk of unauthorized transactions.
Cash on delivery
Although cash on delivery is not the most modern of online payment methods, it still has its supporters. The customer pays the amount due only upon receipt of the package, which increases the feeling of security of transactions. This form works especially well for those who don't want to provide card details or log into online banking. For you, as a merchant, courier costs and possible amount limits are important, and this method works especially well for small e-shops and new brands.
Deferred payments
Deferred payment is a payment method that allows buyers to finalize an order today and pay later - For example, within 30 days. This solution is offered by PayPo, Klarna or Twisto, among others. For the customer, it's convenience and flexibility, and for the store - a greater chance of higher shopping cart value. Not surprisingly Deferred payments are becoming one of the pillars of modern e-commerce. The important thing is that the deferred payment works like a short-term credit 0%, and the order is paid by the operator, allowing the order to be processed immediately.
Installments
Installment payments are an increasingly popular method of payment in an online store. Installment payments make it possible to spread the cost of an order over several convenient parts, making it easier to purchase more expensive products, such as electronics or household appliances. The customer signs a loan agreement with the bank and pays back the installments every month, while the The store receives the entire amount right away. The customer has to undergo creditworthiness verification, and the bank handling the transaction calculates the repayment schedule. As a result, the store receives the funds right away, despite the payment being spread out in installments.
Virtual wallets (PayPal and others)
Virtual wallets, such as PayPal, are modern payment methods for an online store. Enable quick transactions without having to enter card details for every purchase. For customers who especially value security and foreign purchases, e-wallets offer freedom and convenience. It is a practical addition to any e-store's online payment offerings. PayPal offers instant posting and the ability to pay in different currencies, which is important for international sales.
Impact of payment methods on the purchase process
Choosing the right payment methods is the key to success in the e-commerce industry. As you can see, each method has its advantages and disadvantages, and the final choice depends on your target audience and the specifics of your business. Whether you opt for the popular BLIK mobile payment, credit card payments, quick transfers, deferred payments or installment payments, remember that with these convenient and secure options:
- You increase the chance of finalizing a deal,
- You build trust in your brand,
- The image of a modern store.
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