Automotive services

Card payments (Visa, MasterCard, Maestro, Diners Club, Discover, UnionPay, JCB and American Express) are processed via payment terminals, which are stationary or mobile electronic devices with specialized software, enabling payments with cards with chips (EMV chip & PIN), magnetic strips, or NFC modules for contactless payments.

The BLIK mobile payment system enables payments for shopping and services, payment processing via terminals and mobile transfers — all verified with 6-digit codes generated in the banking app by the PSP system, each one per bank's request.

Contactless payments with mobile devices, like smartphones and smartwatches, make for quick and convenient payments for products and services. These transactions require a specific app, like Google Pay or Apple Pay, and NFC-enabled mobile device.

Topping up your mobile phone balance can be done by adding funds to the account linked with the prepaid card via the payment terminal. It can be completed online (TopUp) by providing the phone number in the terminal, or offline (eVoucher) by using the unique code printed from the terminal.

Gift cards of the electronic variety combine gift certificates and bank cards. They are equipped with a magnetic strip which stores identification data, and they are compatible with payment terminals. A card with a specific value can be used to pay for shopping at a specific store chain (single or multiple payments, the amount equal to or exceeding the card's value, settling the difference with the use of a payment card or cash). Gift cards make for a popular and efficient way of gaining new customers.

Dynamic Currency Conversion (DCC) enables paying with the foreign card's primary currency for the products and services purchased in Poland. The conversion is calculated in real time according to the same-day exchange rate. The final total payment is visible in the payment terminal.

The Visa Direct service enables transferring money to the payment card via the terminal. The money from the payer's account is wired safely to the receiver's account-linked card in real time.

Tips are considered to belong to points of service, shops and restaurant services. This feature enables separating a tip from the transaction as a different entity, making it possible to leave one.

Mobile payment terminals can accept payments in different locations thanks to GPRS, Wi-Fi and Bluetooth technologies, paired with long-lasting batteries. These terminals are great for a variety of applications, including restaurant, delivery and transport services.

Payment gateway enables payments directly on the web platform's website. It's the last stage of the online shopping process, making the customer choose their payment method and fill in the transaction details or redirecting them to their bank's website.

PayByLink is a fast electronic transfer. In order to make a payment, the customers choose their banks, after which they're redirected to the respective bank website to complete the payment. The transfer details are all automatically filled-in.

Electronic wallets are an e-commerce solution that enables saving debit and credit cards and using them in payment gateways.

PayPal payment is processed with the use of a credit or debit card, or with the PayPal account balance. It can be topped up with bank transfers or PayPal account transfers.

m-commerce stands for the payment solutions enabling unobstructed shopping experience, including transaction processing, within the applications on mobile devices based on the iOs or Android systems.

SafeLink is a fast and safe link to e-payments, sent to an e-mail address, which redirects users to e-commerce payment gateways. The payments don't have to be made right away, but each link is time-limited.

OneClick stands for solutions enabling fast payments that are especially crucial in mobile applications — including payments for delivery and restaurant services. Transactions are made via the payment methods available in specific applications.

Within the framework of the Polska Bezgotówkowa programme, we are supporting the business owners who wish to join the initiative of enabling cashless payments. We are doing this by providing up to three free payment terminals and 0% fees for transactions with select payment cards.