Which BNPL providers are used in Poland?
PayPo and Allegro Pay lead the market, joined by BLIK Pay Later, PayU's deferred payment hub, Klarna and Twisto. PayPo alone handled 22.5 million transactions in 2025. A new consumer credit act transposing the EU CCD2 directive is expected to apply from November 20, 2026.
In detail
PayPo and Allegro Pay lead the market. PayPo, the pioneer, processed 22.5 million transactions worth PLN 6.6 billion in 2025 and serves more than 2.5 million users at over 66,000 merchants. On the Allegro marketplace, Allegro Pay already finances more than 15% of gross merchandise value.
Other options
- BLIK Pay Later, the banks' answer, with 235,500 transactions in 2025 at four banks.
- Deferred payment hubs inside gateways such as PayU and Przelewy24, which bundle partners like PayPo.
- International players such as Klarna and Twisto.
Poland has one of the most active buy now, pay later markets in Central Europe, and local players lead it.
New rules
Poland's new consumer credit act, which transposes the EU CCD2 directive, is expected to apply from November 20, 2026. It will tighten consumer credit rules, including a ban on some 0% installment advertising with long deferrals.
What it means for payment operators
For operators serving Polish merchants, deferred payment is an expected option, often reached through the same gateways that provide BLIK and pay-by-link. Connecting providers once, activating them per merchant and preparing checkout flows for new credit rules keeps the offer compliant.