# 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. Payment method family: Bank Redirects Usability: Single-use Access type: Instant provisional access Payment confirmation timing: Immediate Settlement timing: Up to 2 business days (T+2) Pricing: https://stripe.com/pl/pricing/local-payment-methods#przelewy24 ## Eligibility and availability ### Account eligibility Business location: AT, AU, BE, BG, CA, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GI, GR, HK, HR, HU, IE, IT, JP, LI, LT, LU, LV, MT, MX, NL, NO, NZ, PL, PT, RO, SE, SG, SI, SK, US Account type: ✓ Merchant, ✓ Platform or marketplace (Connect) Business model: ✓ B2B, ✓ B2C Business category: View list of prohibited and restricted business categories 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](https://support.stripe.com/questions/business-website-for-account-activation-faq): - 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](https://support.stripe.com/) to appeal any P24 capability restrictions. Review the list of *merchant category codes* (A Merchant Category Code (MCC) is a four-digit number that classifies the type of goods or services a business offers) that are prohibited or restricted for P24. - **Prohibited** MCCs are not supported by this payment method. - **Restricted** MCCs may be supported, but require additional information at account creation. | MCC | Description | Type | | --- | --- | --- | | 3000-3350 | Software | Prohibited | | 3501-3999 | Software | Prohibited | | 4011 | Railroads | Prohibited | | 4111 | Commuter Transport, Ferries | Prohibited | | 4112 | Passenger Railways | Prohibited | | 4121 | Taxicabs/Limousines | Prohibited | | 4131 | Bus Lines | Prohibited | | 4411 | Cruise Lines | Prohibited | | 4457 | Boat Rentals and Leases | Prohibited | | 4511 | Airlines, Air Carriers | Prohibited | | 4722 | Travel Agencies, Tour Operators | Prohibited | | 4723 | TUI Travel - Germany | Prohibited | | 4789 | Transportation Services (Not Elsewhere Classified) | Prohibited | | 4829 | Money Orders - Wire Transfers | Prohibited | | 5262 | Marketplaces | Prohibited | | 5521 | Car and Truck Dealers (Used Only) | Prohibited | | 5723 | Software | Prohibited | | 5813 | Drinking Places | Prohibited | | 5912 | Drug Stores and Pharmacies | Prohibited | | 5921 | Package Stores-Beer, Wine, and Liquor | Prohibited | | 5932 | Antique Shops | Prohibited | | 5960 | Direct Marketing - Insurance Services | Prohibited | | 5962 | Direct Marketing - Travel | Prohibited | | 5963 | Door-To-Door Sales | Prohibited | | 5965 | Direct Marketing - Combination Catalog and Retail Merchant | Prohibited | | 5966 | Direct Marketing - Outbound Telemarketing | Prohibited | | 5967 | Adult Content and Services | Prohibited | | 5968 | Direct Marketing - Subscription | Prohibited | | 5969 | Direct Marketing - Other | Prohibited | | 5993 | Cigar Stores and Stands | Prohibited | | 6010 | Manual Cash Disburse | Prohibited | | 6012 | Financial Institutions | Prohibited | | 6050 | Software | Prohibited | | 6051 | Cryptocurrency exchanges and wallets | Prohibited | | 6211 | Security Brokers/Dealers | Prohibited | | 6300 | Insurance Underwriting, Premiums | Prohibited | | 6513 | Real Estate Agents and Managers - Rentals | Prohibited | | 6532 | Software | Prohibited | | 6533 | Software | Prohibited | | 6536 | Software | Prohibited | | 6537 | Software | Prohibited | | 6538 | Software | Prohibited | | 6540 | Non-FI, Stored Value Card Purchase/Load | Prohibited | | 7011 | Hotels, Motels, and Resorts | Prohibited | | 7012 | Timeshares | Prohibited | | 7033 | Trailer Parks, Campgrounds | Prohibited | | 7273 | Dating/Escort Services | Prohibited | | 7311 | Advertising Services | Prohibited | | 7322 | Financial Service | Prohibited | | 7512 | Car Rental Agencies | Prohibited | | 7513 | Truck/Utility Trailer Rentals | Prohibited | | 7519 | Recreational Vehicle Rentals | Prohibited | | 7800 | Government-Owned Lotteries (US Region only) | Prohibited | | 7801 | Government Licensed On-line Casinos (On-Line Gambling) | Prohibited | | 7802 | Government-Licensed Horse/Dog Racing | Prohibited | | 7841 | Video Tape Rental Stores | Prohibited | | 7995 | Betting/Casino Gambling | Prohibited | | 7996 | Amusement Parks/Carnivals | Prohibited | | 8011 | Doctors | Prohibited | | 8021 | Dentists and Orthodontists | Prohibited | | 8031 | Osteopaths | Prohibited | | 8041 | Chiropractors | Prohibited | | 8042 | Optometrists, Ophthalmologist | Prohibited | | 8049 | Chiropodists, Podiatrists | Prohibited | | 8062 | Hospitals | Prohibited | | 8071 | Medical and Dental Labs | Prohibited | | 8111 | Legal Services, Attorneys | Prohibited | | 8220 | Colleges, Universities | Prohibited | | 8241 | Correspondence Schools | Prohibited | | 8244 | Business/Secretarial Schools | Prohibited | | 8249 | Vocational/Trade Schools | Prohibited | | 8398 | Charitable and Social Service Organizations - Fundraising | Prohibited | | 8651 | Political Organizations | Prohibited | | 8661 | Religious Organizations | Prohibited | | 9311 | Tax Payments - Government Agencies | Prohibited | | 9399 | Government Services (Not Elsewhere Classified) | Prohibited | | 9406 | Government-Owned Lotteries (Non-US region) | Prohibited | | 4816 | Computer Network Services | Restricted | | 4899 | Cable, Satellite, and Other Pay Television and Radio | Restricted | | 5045 | Computers, Peripherals, and Software | Restricted | | 5047 | Medical, Dental, Ophthalmic, and Hospital Equipment and Supplies | Restricted | | 5094 | Precious Stones and Metals, Watches and Jewelry | Restricted | | 5099 | Durable Goods (Not Elsewhere Classified) | Restricted | | 5122 | Drugs, Drug Proprietaries, and Druggist Sundries | Restricted | | 5499 | Miscellaneous Food Stores | Restricted | | 5511 | Car and Truck Dealers (New & Used) | Restricted | | 5551 | Boat Dealers | Restricted | | 5561 | Motorcycle Shops, Dealers | Restricted | | 5571 | Motorcycle Shops and Dealers | Restricted | | 5592 | Motor Homes Dealers | Restricted | | 5598 | Snowmobile Dealers | Restricted | | 5712 | Furniture, Home Furnishings, and Equipment Stores, Except Appliances | Restricted | | 5734 | Computer Software Stores | Restricted | | 5815 | Digital Goods Media – Books, Movies, Music | Restricted | | 5816 | Digital Goods – Games | Restricted | | 5817 | Digital Goods – Applications (Excludes Games) | Restricted | | 5818 | Digital Goods – Large Digital Goods Merchant | Restricted | | 5933 | Pawn Shops | Restricted | | 5944 | Jewelry Stores, Watches, Clocks, and Silverware Stores | Restricted | | 5971 | Art Dealers and Galleries | Restricted | | 5973 | Religious Goods Stores | Restricted | | 5977 | Cosmetic Stores | Restricted | | 5995 | Pet Shops, Pet Food, and Supplies | Restricted | | 5999 | Miscellaneous Specialty Retail | Restricted | | 7299 | Miscellaneous General Services | Restricted | | 7333 | Commercial Photography, Art and Graphics | Restricted | | 7372 | Computer Programming | Restricted | | 7379 | Computer Repair | Restricted | | 7399 | Miscellaneous Business Services | Restricted | | 7641 | Furniture Repair, Refinishing | Restricted | | 7922 | Theatrical Ticket Agencies | Restricted | | 7929 | Bands, Orchestras | Restricted | | 7941 | Sports Clubs/Fields | Restricted | | 7991 | Tourist Attractions and Exhibits | Restricted | | 7994 | Video Game Arcades | Restricted | | 8043 | Opticians, Eyeglasses | Restricted | | 8099 | Medical Services | Restricted | | 8299 | Educational Services | Restricted | | 8734 | Testing Laboratories | Restricted | | 8999 | Professional Services | Restricted | Stripe accounts in the following countries can accept P24 payments with local currency settlement. AMER: CA, MX, US EMEA: AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GI, GR, HR, HU, IE, IT, LI, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI, SK APAC: AU, HK, JP, NZ, SG Customers in the following countries can use P24. EMEA: PL ### Payment support Buyer location: PL Presentment currency: EUR, PLN Geographic coverage: ✓ Domestic, ✓ Crossborder Transaction limits: Minimum amount: 0.50 EUR In addition to the industry and business categories listed in Stripe’s [Prohibited and restricted businesses](https://stripe.com/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 Recurring payments: ✗ Not supported Payment authorizations: ✗ Extended authorizations ✗ Flexible extended authorizations ✗ Incremental authorizations ✗ Decremental authorizations ✗ Re-authorizations Payment captures: ✗ Manual capture ✗ Partial capture ✗ Multi-capture ✗ Over-capture Refunds: ✓ Partial refunds ✓ Full refunds Submission window: 180 days Processing time: 3 business days Disputes: ✗ Partial disputes ✗ Full disputes ### Refunds You have up to 180 days from the original payment to submit a refund using the [Dashboard](https://dashboard.stripe.com/payments) or [Refunds API.](https://docs.stripe.com/api/refunds/create.md) 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](https://dashboard.stripe.com/payments). Open the payment and click **View Details** on the refund entry, or [retrieve the Refund object](https://docs.stripe.com/api/refunds/retrieve.md) and check its `status` field. Stripe also notifies you of the final refund status using the `refund.updated` or `refund.failed` *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) event. When a refund succeeds, the status of the [Refund](https://docs.stripe.com/api/refunds/object.md) 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 Products: ✓ Checkout ✓ Payment Links ✓ Payment Element ✗ Express Checkout Element ✓ Mobile Payment Element ✗ Managed Payments ✓ Billing ✓ Invoicing ✓ Adaptive Pricing ✗ Customer Portal ✗ Radar ✗ Terminal ✓ Connect APIs: ✓ PaymentIntents ✗ PaymentIntents with setup_future_usage ✗ SetupIntents ✓ CheckoutSessions 1. Only supports 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](https://docs.stripe.com/payments/payment-intents.md#dynamic-statement-descriptor) on the PaymentIntent before confirming the payment. If you don’t set one, the descriptor defaults to the [account level statement descriptor](https://docs.stripe.com/get-started/account/statement-descriptors.md). For connect scenarios, learn more on how [statement descriptors are set with Connect](https://docs.stripe.com/connect/statement-descriptors.md). 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](https://dashboard.stripe.com/settings/payment_methods). 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](https://docs.stripe.com/payments/p24/accept-a-payment.md).