Information on the P24 payment method.


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:

User Experience


At the checkout page, the customer chooses P24 as their preferred payment method:

P24 - User Journey - 1

The customer is directed to a P24-hosted bank selector page where they choose their bank:

P24 - User Journey - 2

The customer is directed to their bank’s page where they login with their account credentials:

P24 - User Journey - 3

The transaction details are displayed for the customer to review. They then authorise the transaction via Secure Customer Authentication (such as SMS code):

P24 - User Journey - 4

The transaction is confirmed on the bank’s page and the merchant is notified of the successful payment:

P24 - User Journey - 5


Please also see our videos below, outlining the desktop and mobile use of P24:




Merchants do not need to have an account with P24

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, by simply clicking on the live chat icon in the bottom right-hand corner of this page.

*You may visit our Test Cards and Environments page for further information on how to make test payments with P24.

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:

Payment Method Icon - P24

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!