A payment terminal for 0 zł for one year

Costs depend on the model and transaction volume. As part of the “Cashless Poland” program, you pay nothing for 12 months. Check out a detailed analysis of the costs and prices of payment terminals.

The commission charged by the payment processor is usually a fraction of the transaction amount. The standard commission rate for a card terminal ranges from 0.5% to 1%. For large companies, commissions can be negotiated on a case-by-case basis. It is worth noting, however, that the “Cashless Poland” program allows users to use a terminal commission-free for the first 12 months or until a specified transaction volume limit is reached (e.g., 100,000 PLN).

Yes—but under certain conditions. Most often, a free terminal is offered to new customers who have not previously used the company’s payment services. As part of this program or promotional offers, you can expect to use the terminal for free for 5 to 12 months, and sometimes also enjoy no transaction fees up to a certain limit.

However, it’s worth checking the contract details—after the promotional period ends, standard fees apply, which you should be aware of in advance.

“Cashless Poland” is a nationwide initiative aimed at increasing the number of payment terminals in the country and promoting cashless payments. Under the program, business owners can receive financial support that covers not only the equipment but also the costs associated with its use.

To participate in the program and receive a free payment card terminal, you must meet the following requirements:

1. You must not have accepted cashless payments at this location within the last 12 months.
2. You must have a registered business in Poland.
3. You must have a business bank account at a Polish bank.
4. You must have a cash register installed (if required for your business).
5. Not have previously received funding under the Program.
6. Sign a contract for a minimum of 24 months.

Once these conditions are met, you will receive a payment terminal with a full service package for 12 months at no charge, including installation and configuration of the equipment, processing of cashless payments up to 100,000 PLN in turnover, 24/7 technical support, and all necessary consumables.

You can receive 1 payment terminal free of charge.

• Payment terminal activation fee: 0 PLN
• Monthly terminal fee: 0 PLN for the first 12 months
• Transaction fees: 0 PLN (up to 100,000 in turnover) for the first 12 months
• Operating costs and technical support: 0 PLN

Our advisor will present you with a personalized, transparent offer tailored to the specific needs of your business. Once the support period under the Polska Bezgotówkowa program ends, you will receive a new, competitive offer for a payment terminal.Our advisor will present you with a personalized, transparent offer tailored to the specific needs of your business. Once the support period under the Polska Bezgotówkowa program ends, you will receive a new, competitive offer for a payment terminal.

If you or your company have accepted card payments within the last 12 months, or if you currently accept them through another provider, please fill out the form. One of our advisors will contact you and present you with a competitive offer.

Polskie ePłatności offers payment terminal contracts starting at 24 months. Knowing that flexibility is key in running a business, we put the well-being of our partners first.

The payment terminal will be installed at your location within 3 business days of signing the contract with PeP.

Yes—it is definitely possible to purchase a terminal. Prices vary depending on the features and manufacturer—ranging from about 600 to even several thousand zlotys for more advanced models. Purchasing a terminal can be cost-effective for businesses that process a large volume of transactions and want to avoid lease costs, although even in this case, you’ll still have to factor in transaction fees.

• Wi-Fi – uses a local wireless network to communicate with the authorization server. This solution ensures fast data transmission but requires a stable wireless network connection.
• LAN – a wired connection via a network cable. It guarantees the most stable connectivity, eliminating issues related to wireless signal interference. It is used primarily in stationary terminals.
• Bluetooth – enables short-range wireless communication, most often with an intermediary device (e.g., a smartphone or tablet). This solution is common in smaller, mobile terminals.
• GPRS/LTE – uses a cellular network (SIM card) for communication. It ensures independence from local network infrastructure, which is particularly valuable when working in the field. A GSM module can be implemented in both stationary and mobile terminals.

PeP payment terminals integrate with all popular point-of-sale (POS) systems and accounting software. We’ll integrate the terminal with your existing system. Thanks to our extensive experience and partnerships with over 80 integrators, the entire process is quick and easy.

Yes, you can find more information about integrating a payment terminal with a point-of-sale system on this page.

Funds from transactions made using the terminal are typically available on the next business day after the transaction is made.

Yes, some payment terminals allow for offline transactions, also known as “store-and-forward” transactions. These transactions are processed when the terminal cannot connect to the network to authorize a payment. In such cases, the terminal stores the transaction information and then submits it for authorization once the connection is restored.

Yes, absolutely. In this situation, the payment terminal automatically converts the transaction amount into the selected foreign currency at the current exchange rate. The customer sees the final amount due, along with the exchange rate used, even before authorization. Once the transaction is approved, the funds are converted back into the local currency and transferred to your bank account.

Payment terminals are equipped with various security measures to prevent fraud and ensure the protection of customer and merchant data. First and foremost, all payment card and transaction data is encrypted during transmission between the terminal, the PSP system, and the bank, making it difficult for third parties to intercept and misuse the data. Before a transaction is processed, the terminal must obtain authorization from the customer’s bank, which effectively prevents potential losses for the merchant.

If your Internet connection is stable and resetting the device does not help, please contact our Merchant Service Center at +48 17 859 69 69. .

Pursuant to Article 19a, paragraphs 1 and 2, of the Entrepreneurs Act (Journal of Laws of 2021, item 162): “An entrepreneur shall ensure the possibility of making payments at any location where business activity is actually carried out, in particular on the business premises, off the business premises, or in a vehicle used to provide passenger transportation services, using a payment instrument as defined in the Act of August 19, 2011, on Payment Services.” These provisions are effective as of January 1, 2022.

In theory, the aforementioned payment instrument could also be a BLIK code or a bank transfer; however, practice shows that the most convenient and reliable way to comply with the law is to use a POS payment terminal.

As an exception, businesses that are not required to use cash registers to keep sales records (because they benefit from a subjective or objective exemption) are exempt from the requirement to offer cashless payments.

A business owner who does not accept cashless payments risks losing the right to expedited VAT refunds and quarterly filings. If a lack of integration between the cash register and the payment terminal is detected, the tax office may impose a fine of 5,000 PLN.

No, there is no requirement to register a payment terminal with the tax office. It is a device that works in conjunction with a cash register, but it does not require separate registration.

Yes, virtually any business owner can have a payment terminal, regardless of the size of the business or the industry in which it operates. The only requirement is to have a cash register. Currently, however, payment terminals are not available to private individuals.

Of course! The only restriction applies to the “Cashless Poland” program, where you can receive one free terminal.