Przelewy24 payments

Accept payments from customers in Poland using their preferred bank.

Przelewy24 is a Poland-based payment method aggregator that allows customers to complete transactions online using bank transfers and other methods.

Eligibility and availability

Account eligibility

Your account might be reviewed after activation to confirm eligibility. In addition to meeting the criteria above, you must also provide a website that meets the following requirements in addition to the Stripe account activation requirements:

• Must clearly display the business address.
• Must display the tax identification number.
• Must display the business registration number.
• Must clearly indicate the return and refund policy.
• Must display a privacy policy.
• Must display terms of service.

You can contact Stripe support to appeal any P24 capability restrictions.

Payment support

In addition to the industry and business categories listed in Stripe’s Prohibited and restricted businesses list, the following categories are prohibited from using P24:

• Dropshipping businesses
• Automotive sales, services, and rentals
• Specialty food retail
• Pawn shops
• Higher education and vocational training services
• Healthcare providers and medical services
• Entertainment and event promotion services
• Information technology and telecommunications services
• Advertising agencies and marketing services
• Real estate management and brokerage services

Capabilities

Refunds

You have up to 180 days from the original payment to submit a refund using the Dashboard or Refunds API. This is the maximum the payment method allows-your return policy determines what you offer customers.

Refunds for P24 payments are asynchronous and take up to 3 business days to complete. P24 refunds can’t be canceled.

Refund process

P24 refunds are always processed as a separate credit to the customer’s bank account. Unlike card payments, they’re never issued as a reversal. The refund won’t be explicitly labeled as a refund on the customer’s bank statement. Instead, it appears as a credit referencing the original payment’s statement descriptor. We recommend notifying your customer when you issue a refund so they can identify the incoming credit.

Tracking refunds

You can view refund status in the Dashboard. Open the payment and click View Details on the refund entry, or retrieve the Refund object and check its status field. Stripe also notifies you of the final refund status using the refund.updated or refund.failed webhook event. When a refund succeeds, the status of the Refund object transitions to succeeded. If a refund fails, the status transitions to failed, Stripe returns the amount to your Stripe balance, and you must arrange an alternative way to provide your customer with a refund.

Disputes

The risk of fraud or unrecognized payments is low because the customer must authenticate the payment with their bank. As a result, you won’t have disputes that turn into chargebacks, with funds withdrawn from your Stripe account.

Stripe product support

1. Only supports the send_invoice collection method.

Customer experience

1. Select payment method The customer selects Przelewy24 at checkout.
2. Choose bank The customer is redirected to Przelewy24 and chooses a bank.
3. Enter credentials The customer enters their account credentials.
4. Authorize payment The customer completes the authorization process within one hour of checkout.
5. Payment complete The customer is notified that payment is complete.
6. Return to site The customer returns to the business's site for payment confirmation.

Transaction Identifiers

After a customer completes a P24 payment, the transaction appears on their bank statement. The statement entry includes a unique P24 reference number followed by your statement descriptor, in the format:

/OPT/X/////P24-XXX-XXX-XXX {your statement descriptor}

Set a custom statement descriptor on the PaymentIntent before confirming the payment. If you don’t set one, the descriptor defaults to the account level statement descriptor. For connect scenarios, learn more on how statement descriptors are set with Connect.

After the payment completes, expand latest_charge on the PaymentIntent to retrieve the P24 reference number from latest_charge.payment_method_details.p24.reference. Share it with customers to help them locate the payment on their bank statement.

Enable P24

If you use our front-end products, you can enable P24 directly from your payment method settings. Stripe then automatically determines the most relevant payment methods to display to your customers.

If your integration requires manually listing payment methods, learn how to manually configure P24 as a payment.