When it comes to the most preferred online payment methods in Poland, bank transfer stands out as the top choice among active online shoppers, selected by of heavy users and of medium users — reflecting the strong adoption of domestic instant transfer systems such as BLIK. Cash on delivery, by contrast, dominates among non-users at , underscoring how trust barriers and habit shape payment preferences for those less engaged with e-commerce.
Heavy online users display a notably more diversified payment profile. Credit card usage reaches in this group versus just among non-users, and Buy Now, Pay Later services attract of heavy users compared to virtually none among non-users. This suggests that deeper e-commerce engagement correlates with openness to newer, credit-based payment models.
Debit card and PayPal or similar services show relatively consistent appeal across all segments, ranging between 15– and 17– respectively, indicating broad baseline acceptance regardless of online activity level. E-wallets and super-app payments remain modest across all groups, peaking at just among medium users, pointing to limited mainstream penetration in the Polish market as of 2026.
