Grocery & general stores

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.

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.

Cashback is a service that enables cash withdrawals from the shop's register while paying for products and services — all via the payment terminal. The terminals with the software providing cash withdrawals fill in the role of ATMs, letting the customers withdraw even some smaller sums of money.

PIN Pad is a programmable device connected with the cash register, that can be used by the retail chains using either their proprietary or third-party IT solutions. PIN Pad transactions do not require a cashier's ingerence, and the information from the cash register is sent automatically, which reduces the number of errors related to manual inputs.

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.

SIM cards are complementary to the available top-up offers. We're offering all available starter SIM cards from all major Polish mobile operators. The SIM cards are provided by direct shipment to retailers and to the Acceptor's Central Warehouse.

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.