Free payment terminal for your business

Polskie ePłatności concludes the agreement for the period of 12 months, i.e. for the grant period. Knowing, that flexibility is important in running a business, we put our Partners’ good in the first place. We do not trick you with a longer period of free use of the service (e.g. 18 months), tying your hands for the next few years or imposing high penalties for the termination of the agreement.

You can receive up to 3 free terminals.

If you or your Company have accepted card payments in the last 12 months or are currently accepting with another provider, please contact us by clicking here. Our Consultant will contact you and provide you with a competitive quote.

Our Consultant will always provide you with an individual offer, tailored to your needs and possibilities.

Yes. When you accept a payment in a foreign currency, the terminal automatically converts the transaction amount at the current exchange rate. The cardholder sees both the exchange rate and the final amount to be paid before the transaction is authorised. After authorisation, the amount is reconverted into the merchant’s local currency and the funds are credited to the merchant’s account.

Transactions on Polish ePłatności terminals are usually processed very quickly. Contactless payments are typically authorised in just a few–dozen seconds. Processing time can vary depending on the payment type and the terminal’s internet connection.

The funds are transferred to the merchant’s account within 48 hours.

Terminals employ multiple security features to prevent fraud and protect both customer and merchant data. Card and transaction details are encrypted as they travel between the terminal, the payment-service provider (PSP) and the bank, making interception almost impossible. Before completing a sale, the terminal must receive authorisation from the cardholder’s bank, effectively preventing potential losses for the merchant.

That depends on the nature of your business. Terminals differ in processor speed, connectivity options and add-on features. Choose a model that fits your specific needs.

• Large grocery or general-merchandise stores should opt for a high-performance terminal that processes encryption quickly, integrates seamlessly with the cash register and supports promotions, loyalty schemes, apps and gift cards.

• Mobile terminals are ideal for transport services (e.g., taxis), sales reps and couriers—look for a model with a robust battery.

• Hair and beauty salons can use a less expensive terminal; ultra-fast processors are unnecessary when transactions are infrequent.

• Small retailers such as news-stands, bookshops or florists might consider a card reader that also handles bill payments and prepaid mobile top-ups to boost revenue.

A stable internet connection is essential for transaction processing and communication with the PSP or bank. A bandwidth of a few hundred kilobits per second is usually sufficient.

Terminals can connect via wired Ethernet, Wi-Fi or cellular networks (3G, 4G, 5G). Choose the option that best suits your location, network availability and business preferences. To avoid downtime, use a reliable internet provider and keep a cellular backup in case your primary connection fails.

Cashless payments are growing every year. Customers increasingly visit only those businesses where they can pay by card or mobile app. A payment terminal is therefore essential for boosting sales.

Key advantages include:

• Customer convenience — faster checkout, no issues with change.

• Support for promotions — gift cards, discounts and loyalty programmes.

• Extra services — cash-back withdrawals and prepaid mobile top-ups.

• Higher basket value — card payers spend about 20 % more than cash customers (Foundation for Cashless Payments, 2020).

• Broader customer base — card, BLIK and additional services attract especially younger shoppers.

• Improved security — less cash on site.

• Table-side payments — mobile terminals enhance restaurant service and prestige.

• Tourist friendly — acceptance of international cards and currencies expands your reach.

Yes, in most cases. Under Article 19a(1–2) of the Entrepreneurs’ Law (Journal of Laws 2021, item 162), since 1 January 2022 every business must accept payments by an “instrument of payment”, such as a POS terminal, wherever it operates (on-site, off-site or in passenger transport).

In practice, a POS terminal is the simplest and most reliable way to comply. Businesses exempt from issuing fiscal receipts (due to personal or subject-related exemptions) are not required to offer cashless payments.

If a business cannot accept cashless payments, it risks losing the right to accelerated VAT refunds and quarterly settlements. If a cash register is not integrated with a compliant terminal, the tax office may impose a fine of PLN 5,000.

Virtually any business—regardless of size or sector—can obtain a terminal, provided it uses a fiscal cash register. Terminals are not yet available to private individuals.

• Device activation fee: PLN 0

• Monthly terminal fee: PLN 0 for the first 12 months

• Transaction fees: PLN 0 (up to PLN 100,000 turnover) for the first 12 months

• Operating costs and service support: PLN 0

Contracts start from 24 months, balancing flexibility with partner benefits.

Your PeP adviser will offer a clear, customised proposal. After the “Polska Bezgotówkowa” grant ends, you will receive a new, competitive terminal offer.

Your terminal will be installed within three business days of signing the agreement.

You can receive one terminal free of charge.

If you accepted card payments within the past 12 months—or currently use another provider—fill in the form. Our adviser will contact you with a competitive offer.

If the internet connection is stable and a reboot doesn’t help, contact our Merchant Support Centre at +48 17 859 69 69.

No. A payment terminal does not need to be reported to the tax office.

Yes. Some terminals support “store-and-forward” transactions when no network is available. The terminal stores the transaction and submits it for authorisation once the connection is restored.

No. You can install as many terminals as your business requires.

No. Terminals are configured for a specific location and must meet card-scheme rules (e.g., Visa/Mastercard). To relocate a terminal, contact your sales representative or Merchant Support Centre at +48 17 859 69 69.

Keeping your terminal up to date is vital for security and new features. Update frequency varies by model; some require updates every few months, others more often.

PeP terminals integrate with all popular POS systems and accounting packages. Thanks to partnerships with more than 80 integrators, the process is quick and straightforward.

Only existing PeP clients can access financing under the “moja pożyczka” product.

“Polska Bezgotówkowa” is a nationwide initiative that aims to increase the number of payment terminals in Poland and promote cashless payments. The programme subsidises both equipment and its operating costs.

You must:

1. Have accepted no cashless payments at the location in the last 12 months.

2. Operate a registered business in Poland.

3. Hold a business account with a Polish bank.

4. Use a fiscal cash register, if required for your activity.

5. Not have previously received “Polska Bezgotówkowa” funding.

6. Sign a contract for at least 24 months.

Meeting these conditions entitles you to a terminal with full services free for 12 months: installation and setup, cashless processing up to PLN 100,000 turnover, 24/7 technical support and all consumables.

Prices depend on the model (countertop, portable, wireless, soft-POS), payment operator and service package. Monthly rental is typically PL N 30–100+, plus transaction fees of about 0.5–1 %. Businesses eligible for “Polska Bezgotówkowa” or promotional offers may pay no rental or fees for a set period, effectively getting the terminal for free.

Yes—under certain conditions. New clients who have not previously used payment-service providers can often use a terminal free for 5–12 months, sometimes with zero transaction fees up to a set limit. Check the contract details: standard charges apply after the promotional period.

The operator’s commission is a percentage of each transaction, usually between 0.5 % and 1 %. Large enterprises can negotiate lower rates. Under “Polska Bezgotówkowa”, no commission is charged for the first 12 months or up to a specified turnover (e.g., PLN 100,000).

Yes. Instead of renting, you can buy a terminal outright—prices range from about PLN 600 to several thousand for advanced models. Ownership suits high-volume businesses that want to avoid monthly rental, but you will still pay transaction commissions and need a contract with a payment operator.

Absolutely. Device prices vary by features and brand. Purchasing may be economical for high-transaction businesses seeking freedom from rental fees, though transaction commissions still apply.