Bank transfer leads preferred online payment methods in Poland, capturing nearly a quarter of respondents (), reflecting the country's strong tradition of direct banking infrastructure. Debit cards follow closely at , with PayPal or similar services ranking third at — together these three methods account for nearly two-thirds of all preferences.
Credit cards trail the leading options at , a notably lower share than in many Western European markets, where card penetration tends to dominate. Cash on delivery retains a meaningful share, indicating that a segment of Polish online shoppers still values payment upon receipt as a trust mechanism.
Newer financial instruments remain on the margins. Buy Now, Pay Later services account for just , and e-wallets or super-app payments reach , suggesting that while these formats are growing globally, mainstream adoption in Poland has yet to take hold among the broader online shopping population.
