Beauty & care

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.

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.

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.

Split payment is a service that enables dividing one transaction between different bank accounts via the payment terminal and providing additional details. Split payments are processed in the eService settlement systems.

Charity donations can be made thanks to split payments. While paying for a product or a service the consumer can transfer additional funds to an account belonging to an orgaznization chosen by the business-owner.

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.