Published: June 12, 2025 | Last updated: June 12, 2025
In 2025, the most effective e-commerce payment methods are BLIK, fast transfers, and payment cards, which help stores increase conversion, reduce cart abandonment, and build customer loyalty.
Many online store owners view the payment system as a mandatory step at the end of the purchasing process. Meanwhile, data from the "Omni-commerce. Shopping conveniently 2025" report shows something completely different: it is payment technology, checkout UX, and the customer's digital identity that determine whether a transaction will be successful.
In this article, we will look at current trends in online payments, their impact on conversion, and provide practical recommendations for e-sellers in the SME sector operating in Poland and abroad. Regardless of whether you run a clothing store, sell electronics, or provide B2B services, knowing effective payment solutions can genuinely boost your sales.
You will learn:
- which payment methods dominate in Poland and Europe,
- how the role of checkout and customer digital identity is changing,
- how technology helps in optimizing payments,
- how to choose payment systems for the needs of customers and foreign markets.
This is a practical guide that will help you not only increase conversion but also build a lasting competitive advantage for your store.
Table of Contents
- Payments in e-commerce: no longer a function, but an advantage
- Checkout and conversion: how UX changes sales
- BLIK as a leader in mobile payments
- Fast transfers still at the forefront
- Payment cards in the world of subscriptions and exports
- BNPL – How to increase the cart without risk
- Technology, artificial intelligence, and digital identity in payments
- How to personalize payment methods and the order of their presentation?
- Frequently Asked Questions (FAQ)
- Modern forms of payment: a summary in a nutshell
- BLIK, fast transfers, and cards are the most popular payment methods in Poland in 2025.
- A checkout with intelligent personalization and UX tailored to the device can increase conversion by up to 30%.
- Technology and digital identity allow for a better understanding and prediction of user needs.
- BNPL and subscription payments increase the value of the cart and attract new groups of customers.
Payments in e-commerce: no longer a function, but an advantage
The modern user expects payments to be not only fast and secure but also intuitive and adapted to their lifestyle. The time when e-stores could only offer a traditional bank transfer or a card is long gone. Today's consumer expects choice and flexibility – from BLIK, through instant transfers, to mobile and deferred payments.
As many as 93% of internet users in Poland have made an online purchase in the last 6 months, and 65% of them prefer mobile payments. This is no coincidence – consumers consider them more convenient, faster, and more reliable than traditional forms.
Checkout and conversion: how UX changes sales
The payment process is one of the last, but absolutely key, stages of the customer journey. Neglecting UX at the checkout stage can result in cart abandonment, loss of trust, and ultimately – loss of a customer.
According to e-Izba, improving checkout UX can increase conversion by as much as 20–30%. How to achieve this?
- Implementing one-tap pay and data saving – reduces the number of steps.
- Personalizing payment methods based on purchase history, location, or device.
- Biometric authentication – e.g., with a face or fingerprint.
"Click-free" checkout is a goal that more and more platforms are striving for. By using artificial intelligence and machine learning technology, the system can suggest the most probable, effective, and preferred payment method to the user – before they even choose it themselves.
BLIK as a leader in mobile payments
BLIK has become the undisputed leader among mobile payment methods in Poland. Developed by Polski Standard Płatności, this system offers:
- BLIK code payments in the banking app,
- Contactless payments (NFC),
- One-click support,
- Payments in BNPL and subscription models.
In 2025, over 15 million users are already using BLIK. For stores, this means instant crediting of payments, greater security, and a lower cost of transaction processing compared to payment cards.
BLIK is also gaining popularity in foreign transactions. More and more Polish stores are offering this method to customers from abroad – for example, in Germany or the UK.
Fast transfers still at the forefront
Pay-by-link – or fast electronic transfers – is a classic of Polish e-commerce. They consistently enjoy enormous trust from users.
Why do customers still eagerly use this form of payment?
- They know the process – logging into the bank, authorization, confirmation.
- New open banking implementations allow for automated service and a shorter authorization time.
- Personalization – systems can automatically detect the user's bank and offer a tailored interface.
Fast transfers are also stable and secure – which is why they are most often used in B2B transactions.
Convenient payment processing? Check out payment solutions from Przelewy24
Payment cards in the world of subscriptions and exports
Payment cards (debit and credit) are the foundation of e-commerce in Western countries – especially in subscription models and foreign purchases. Thanks to modern technologies such as tokenization and 3DS2, cards are much more secure today than they were a few years ago.
Benefits for e-sellers:
- Uninterrupted subscription renewals (e.g., in SaaS, box subscription models),
- Serving foreign markets without the need for local payments,
- Integration with loyalty programs and shopping apps.
If you want to acquire premium customers, handle one-time payments above the average cart value, or sell outside Poland – a card must be one of the basic methods in your store.
BNPL – How to increase the cart without risk
Buy Now, Pay Later (BNPL) is a form of payment that allows customers to pay... later. Thanks to it, they can finalize larger purchases without an immediate budget burden. The popularity of solutions like:
- Allegro Pay,
- Twisto,
- PayPo
According to Allegro data, BNPL can increase the cart value by up to 40%. This is an ideal solution for segments such as home & living, electronics, or e-health. The gain for the store? A higher average cart, more returning customers, and much greater competitiveness of the offer.
Technology, artificial intelligence, and digital identity in payments
In 2025, payment is no longer just a click. It's an entire ecosystem of actions based on data analysis and digital customer identification.
What does artificial intelligence (AI) offer?
- Prediction of payment preferences based on behavioral history, location, and demographic data.
- Fraud prevention thanks to systems that learn fraud patterns.
- Adapting the payment interface to the device, sales channel, and user type.
Thus, the customer's digital identity becomes key to payment optimization. Your system knows who the customer is, what they bought before, and which payment method will work best at that specific moment. The result? Higher conversion and a lower abandonment rate.
How to personalize payment methods and the order of their presentation?
Research shows that the order in which payment methods are displayed is just as important as the choice itself. Users most often click on one of the first three options, regardless of which one would actually be "best" for them.
What can you do?
- Dynamic sorting of payment methods depending on user behavior.
- Implementing A/B checkout tests – different scenarios for devices, entry channels, or customer types.
- Optimizing icons, descriptions, and CTA colors.
Frequently Asked Questions (FAQ)
1. Does BLIK work outside of Poland?
Yes. More and more stores are extending BLIK's operation to foreign markets, mainly in EU countries, by integrating it with operators like Przelewy24 or Open Banking systems.
2. What is the most secure payment method?
All of the mentioned methods (BLIK, fast transfers, cards, or BNPL) meet high security standards. Additional protection includes 3DS2 verification for cards or biometric BLIK authorizations.
3. Why is it worth using BNPL in a store?
BNPL increases the cart value, lowers purchasing barriers, and allows you to reach new customers, especially younger generations who prefer flexible forms of financing.
4. How does AI help with payments?
AI predicts the best payment method, analyzes cart value, customer history, location, and entry channel – all to increase the chance of a purchase.
Modern forms of payment: a summary in a nutshell
There is no single, ideal payment method for everyone. Your success depends on matching the offer to the user's needs, their location, habits, and purchasing context. In 2025, the mandatory minimum is:
- BLIK for mobile customers,
- Cards for subscriptions and exports,
- Fast transfers for B2B transactions and users who value control,
- BNPL for younger users and larger carts.
With a well-configured payment system, "paying" becomes a natural thing – almost invisible to the user. And that's when it works best.
Don't forget: Convenient payment methods for your customers are an opportunity to grow your business.
Sources
- Report: Omni-commerce. Shopping conveniently 2025
- TPay, Przelewy24 – internal data
- Allegro Pay, Twisto – product data
- Mobile Institute, PayU – UX checkout studies
