P24
Information on the P24 payment method.
- Introduction
- User Experience
- Details
- How to activate P24
- Merchant Categories
- Payment method messaging
- Get Support
Introduction
Przelewy24 (P24) is a payment method available in Poland, which allows for the immediate transfer of funds from the customer to the Merchant, without interbank sessions. The buyer logs in to his Pay By Bank, but doesn’t have to enter transfer details – the form is completed automatically.
Some of the main benefits of offering P24 as a payment method are:
- Speed and ease of use: Communication between the merchant and the bank is efficient, requiring no transaction details to be entered by the customer
- Wide availability: A wide variety of banks support P24, making it a convenient option
- Get started quickly: There is no need for the merchant to have an account with P24
User Experience
Screenshots
At the checkout page, the customer chooses P24 as their preferred payment method:
The customer is directed to a P24-hosted bank selector page where they choose their bank:
The customer is directed to their bank’s page where they login with their account credentials:
The transaction details are displayed for the customer to review. They then authorise the transaction via Secure Customer Authentication (such as SMS code):
The transaction is confirmed on the bank’s page and the merchant is notified of the successful payment:
Videos
Please also see our videos below, outlining the desktop and mobile use of P24:
Desktop:
Mobile:
Details
Merchants do not need to have an account with P24
- How to activate: Please refer to the How to activate section below
- Payment method type: Asynchronous - payments are not confirmed immediately, it may take up to 1 hour to receive confirmation of payment. You need to set up webhooks in order to get notified for asynchronous payments
- Refunds: Supports partial and full refunds
- Recurring payments: Not yet supported
- Pre-authorizations: Not yet supported
- Restricted MCC: Some Merchant Categories are not eligible to have P24 activated
- Μerchant countries: Available for merchants registered in Poland only
- Customer countries: Available to customers in Poland only
- Pricing: Please refer to our pricing page under the main navigation for more information
- Settlement: Customer payments are deposited next day into your business account for confirmed payments / successful transactions (i.e. have statusId = F)
- Cross-currency payments: Not yet supported
- Additional notes: The Customer Name field within Smart Checkout is optional
How to activate P24
Merchants do not need to have an account with P24
| Environment | Activation details |
|---|---|
| Production | This payment method is available upon positive review of your request. For more information, please contact your Viva sales representative. Alternatively, you can contact us directly via our live chat facility(which can be found in your *Production* Viva self-care account). *You may visit our Test Cards and Environments page for further information on how to make test payments with P24. |
| Demo |
Merchant Categories
There are some merchant categories that are not eligible to have P24 activated. If your business is in one of these categories, you will not be able to accept payments through P24:
| Merchant Category (MCC) | Description |
|---|---|
| 5094 | Precious Stones and Metals, Watches and Jewelry |
| 5122 | Drugs, Drug Proprietors, and Druggist’s Sundries |
| 5499 | Misc. Food Stores – Convenience Stores and Specialty Markets |
| 5912 | Drug Stores and Pharmacies |
| 5962 | Direct Marketing – Travel Related Arrangements Services |
| 5966 | Direct Marketing- Outbound Telemarketing Merchant |
| 5967 | Direct Marketing – Inbound Teleservices Merchant |
| 5999 | Miscellaneous and Specialty Retail Stores |
| 7322 | Debt collection |
| 7996 | Amusement Parks, Carnivals, Circuses, Fortune Tellers |
| 9223 | Bail and Bond Payments |
Payment method messaging
It is important that the customer is aware of the payment methods you offer via Smart Checkout, as this will increase conversion and average order values. Please see our payment method messaging guide for more details on why and where we would recommend adding this information to your site.
If desired, you can download and use this icon on your site or online store, in order to show customers you offer P24 as a payment method:
Get Support
If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!