Comparison of payment systems for online stores 2025

Choosing the right payment system is one of the most important decisions when launching an online store. In this article we have prepared a comparison of payment systems for online stores available for platforms WordPress (WooCommerce) i PrestaShop, helping you choose the solution best suited to your business needs.

The most popular payment systems in Poland and around the world

1. PayU - leader on the Polish market

PayU is one of the most popular payment operators in Poland, owned by the Naspers group. The system offers a wide range of payment methods and is particularly appreciated for its simple integration.

PayU's main advantages:

• Comprehensive online payment service in Poland
• Support for BLIK, payment cards, bank transfers and installments
• Dedicated modules for PrestaShop and WooCommerce
• Quick account verification
• Merchant panel with clear statistics

Costs and commissions:

• Standard commission: from 1.9% + PLN 0.25 per transaction
• No subscription fees for basic packages
• Possibility to negotiate rates with higher turnover

2. Przelewy24 - polish alternative

Przelewy24 (part of the PayPro group) is another popular Polish operator that stands out for its wide selection of payment methods and competitive prices.

The main advantages of Przelewy24:

• Largest number of available banks in Poland
• Support for Apple Pay, Google Pay and BLIK
• Intuitive API and documentation
• Proven modules for both platforms
• Recursive system for recurring payments

Costs and commissions:

• Commission: from 1.9% + 0.25 PLN per transaction
• No upfront or monthly fees
• Competitive rates for larger retailers

3. Stripe - global player

Stripe is an international payment system valued for its advanced API and flexibility. Ideal for companies operating in multiple markets simultaneously.

Stripe's main advantages:

• Support for 135+ currencies and international payment methods
• Advanced features: subscriptions, invoices, payment link
• Excellent documentation and developer support
• Built-in anti-fraud protection
• Support for 3D Secure 2.0 payments

Costs and commissions:

• European cards: 1.4% + €0.25 per transaction
• International cards: 2.9% + €0.25 per transaction.
• No monthly fees
• Additional features may incur additional costs

4. PayPal - the world's most popular

PayPal is the most widely recognized brand in online payments, and is especially valued by shoppers for its buyer protection system.

PayPal's main advantages:

• Highest confidence of international customers
• Immediate account activation
• Seller and buyer protection system
• Easy integration with WooCommerce and PrestaShop
• Payment option without registration

Costs and commissions:

• Standard commission: 3.4% + PLN 0.35 per transaction in Poland
• International transactions: additional 1.5% for currency exchange
• Higher commissions than Polish operators

5. Tpay (National Payment Integrator)

Tpay is a Polish operator formed from the merger of Transferuj.pl and eCard, offering comprehensive payment solutions.

Tpay's main advantages:

• A wide range of local payment methods
• Competitive commissions
• Support for card and BLIK payments
• Good technical support in Polish

Costs and commissions:

• Commission: from 1.8% + 0.25 PLN per transaction
• Negotiable for higher turnover

6. blue media (Autopay)

Blue Media is an experienced Polish payment operator offering a wide range of e-commerce solutions.

Blue Media's main advantages:

• A stable and proven solution
• Support for standard payment methods in Poland
• Good transaction security
• Professional technical support

Comparison of payment systems for online stores - table

Operator	Commission	Fixed fee	BLIK	Cards	Range
PayU	from 1.9%	PLN 0.25	✓	✓	Poland + CEE
Przelewy24	from 1.9%	PLN 0.25	✓	✓	Poland
Stripe	1,4-2,9%	0,25 €	✗	✓	Global
PayPal	3,4%	PLN 0.35	✗	✓	Global
Tpay	from 1.8%	PLN 0.25	✓	✓	Poland
Blue Media	from 1.9%	PLN 0.25	✓	✓	Poland

 

Professional installation and configuration - order from us

Although, in theory, you can install the payment module yourself, professional integration requires experience and technical expertise. Incorrect configuration can lead to:

• Transaction errors and lost orders
• Security problems
• Incorrect reporting of sales
• Poor conversion in the payment process
• Conflicts with other modules in the store

What does our payment system integration service include?

1. Consultation and selection of operator - We will help you choose the best solution for your business
2. Merchant account registration - We will assist in the verification process with the operator
3. Module installation - we will install an official or dedicated payment module
4. Full configuration - set all parameters, API keys and security options
5. Visual customization - we will match the look of the payment form to your store
6. Transaction tests - We will conduct full testing of the test and production environment
7. Conversion optimization - we will configure the payment process for maximum sales
8. Documentation - we will provide instructions for operation and administration
9. After-sales support - we will help you in case of any problems

Why should you outsource integration to professionals?

• Saving time - Integration will take us a few hours, while it could take you days
• Reliability - we guarantee correct configuration and security
• Optimization - we will configure the system for the best payment conversion
• Technical support - we are available if you have problems
• Regulatory compliance - We will ensure compliance with PSD2, RODO and other requirements
• One integration or multiple - we can install several payment systems simultaneously

Additional payment services:

• Integration of recurring payments and subscriptions
• Configuration of installment payments (PayPo, Twisto, Aion Bank)
• Implementation of Apple Pay and Google Pay
• Integration of payment systems for marketplace (split payment)
• Customization of transaction emails and payment confirmations
• Integration with accounting and invoicing systems
• Payment monitoring and analytics
• Security audit of payment processes

How much does professional integration cost?

The cost of integration depends on:

• The selected payment provider
• Platforms (WordPress/PrestaShop).
• Numbers of systems to be integrated
• Additional customizations and functionalities
• The specific requirements of your store

Ready for professional payment integration?

Contact us today - we will help you choose and implement the best payment solution for your store. We guarantee fast implementation, full security and technical support.

Order payment integration

Criteria for selecting a payment system

1. target market

• Sales only in Poland: PayU, Przelewy24, Tpay or Blue Media
• International Sales: Stripe or PayPal
• Central and Eastern Europe: PayU (presence in many countries of the region)

2. commission costs
When calculating costs, consider:

• Percentage commission
• Fixed fee per transaction
• Possible monthly fees
• Cost of withdrawals to bank account
• Additional charges for charge-backs or complaints

3. available payment methods
The most important payment methods in Poland (2025):

1. BLIK - the most popular mobile method
2. Fast bank transfers
3. Payment cards (Visa, Mastercard, Maestro)
4. Apple Pay and Google Pay - growing in popularity
5. Installment payments (PayPo, Twisto)
6. Deferred payments

4 Settlement time

• PayU, Przelewy24, Tpay: T+1 to T+2 (1-2 business days)
• Stripe: usually 2-7 working days
• PayPal: immediate, but possible blockages

5. quality of technical support

• Polish operators: Polish language support, knowledge of the local market
• Stripe: excellent documentation, support in English
• PayPal: Multilingual support, but sometimes less flexible

Safety and regulatory compliance

PCI DSS Compliance
All listed operators are certified according to the PCI DSS standard, which means:

• Payment card data is securely processed
• Store does not store sensitive card data
• Transactions are encrypted

3D Secure 2.0
All operators support the 3D Secure 2.0 protocol, which:

• Enhances transaction security
• Reduces the number of charge-backs
• Is required by PSD2 regulations
• Improves user experience (fewer verification steps)

Optimize payment conversion

Best practices:

1. Offer multiple payment methods - each customer has their own preferences
2. Place payment systems logo on homepage and products
3. Simplified forms - the fewer steps, the better
4. Express payment - options like Apple Pay or Google Pay
5. Payment without registration for new customers
6. Mobile optimization - More than 60% transactions are mobile devices

Solutions for specific needs

Subscriptions and recurring payments

Best options:

• Stripe - the most advanced API for subscriptions
• PayU - support for tokenization and recurring payments
• Przelewy24 - recurring payment system

Marketplace and split payments

For marketplace platforms (multiple vendors):

• Stripe Connect - dedicated solution for marketplace
• PayU - the possibility of splitting payments (split payment)

International payments

For global sales:

• Stripe - 135+ currencies, local payment methods
• PayPal - brand recognition around the world
• PayU - presence in CEE and Latin American countries

Hidden costs and additional charges

Possible additional costs:

• Charge-back: PLN 15-30 per complaint
• Payouts: Some operators charge a transfer fee to your account
• Currency exchange: 1-3% margin on international transactions
• Account inactivity: Fees when there are no transactions (rare)
• Premium support: additional technical support

How to change the payment system?

Migration between payment operators requires:

1. Create an account with a new operator
2. Business verification (2-5 working days)
3. Module installation and configuration
4. Transaction tests
5. Activations for customers

Summary

Choosing the right payment system has a key impact on the conversion and profitability of your online store. There is no one-size-fits-all solution - the best choice depends on the specifics of your business.

Our main recommendations:

• For Polish B2C market: PayU or Przelewy24
• For international sales: Stripe + PayPal
• For Startups with limited budgets: Tpay or Przelewy24
• For advanced solutions: Stripe

Need help integrating your payment system?

We will help you choose and configure the optimal payment solution for your WordPress or PrestaShop store. We take care of comprehensive integration, testing and optimization of the payment process.

Contact us