Przelewy24 Kalkulator Prowizji BLIK
Oblicz prowizje transakcyjne BLIK (1.20% + 0.30 PLN), szybkich przelewów oraz kwoty brutto na fakturach w PLN.
Generator Notatki do Klienta / Faktury (PLN) ▼
Fee Wealth Leakage Radar & Profit Drag
Multi-Rail Arbitrage ("Switch & Save")
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
Recent Calculations (Click to Restore)
Często Zadawane Pytania (Przelewy24 & BLIK)
Jakie są prowizje za płatności BLIK w Przelewy24 w 2026 roku? ▼
Standardowa prowizja Przelewy24 za transakcje kodem BLIK wynosi 1,20% + 0,30 PLN za każdą udaną płatność bez ukrytych opłat abonamentowych.
How do Przelewy24 BLIK fees compare to credit card processing? ▼
BLIK transactions cost 1.20% + 0.30 PLN, which is identical to standard domestic e-transfers and significantly cheaper than international card merchant accounts.
What is the Gross-Up formula for BLIK / Przelewy24 in PLN? ▼
To receive exactly 500.00 PLN net on a BLIK transaction: Gross = (500 + 0.30) / (1 - 0.012) = 506.38 PLN. Invoicing 506.38 PLN covers all P24 operator commissions.
Jak szybko Przelewy24 wypłaca środki na konto bankowe? ▼
Środki zebrane przez Przelewy24 są wypłacane automatycznie w kolejnym dniu roboczym (T+1) lub na żądanie bezpośrednio na polskie konto bankowe w PLN.
Frequently Asked Questions
What are official Przelewy24 (P24) payment processing rates in Poland in 2026? ▼
In Poland, Przelewy24 charges a standard 1.20% to 1.50% per transaction for BLIK mobile payments and Pay-By-Link (PBL) online bank transfers, and 1.20% to 1.90% + 0.25 PLN for domestic credit and debit cards.
Why is BLIK the dominant payment method in Polish e-commerce? ▼
Over 70% of online shopping in Poland is paid via BLIK. Consumers generate a 6-digit dynamic code in their mobile banking app and confirm the payment with biometric PIN approval, delivering conversion rates exceeding 90%.
How do Polish Pay-By-Link (PBL) bank transfers work on Przelewy24? ▼
Przelewy24 integrates automated fast transfers across all major Polish banks (mBank, PKO BP, Santander, ING, Pekao). The buyer is redirected to their bank login with payment details pre-filled, confirming payment in seconds with zero chargeback risk.
Are Przelewy24 transaction fees subject to Polish VAT (PTU)? ▼
Payment settlement services in Poland are financial services exempt from 23% VAT under Article 43(1)(40) of the Polish VAT Act (Ustawa o VAT).
Does Przelewy24 support Polish Buy Now Pay Later (P24NOW) installment options? ▼
Yes. P24NOW and integrated PayPo services allow Polish consumers to purchase with delayed payment (up to 30 days) or split orders into monthly installments while the merchant receives full funds upfront.
How do I calculate a Gross-Up invoice in Polish Złoty (PLN)? ▼
To receive an exact 1,000 PLN net on a 1.20% BLIK transaction: Gross = 1,000 / (1 - 0.012) = 1,012.15 PLN. Invoicing 1,012.15 PLN guarantees full net payment.
What payout schedules and deposit options does Przelewy24 offer? ▼
Merchants can configure automated daily or scheduled payouts to Polish IBAN commercial bank accounts in PLN or EUR with next business day settlement.
How does Przelewy24 compare to PayU and Stripe in Poland? ▼
Przelewy24 and PayU are the traditional leaders in Poland with deeply integrated BLIK switches, offering lower domestic card and BLIK rates than Stripe's standard 1.50% + 1.00 PLN.