Black Friday 2025 falls on November 28, but many companies and businesses start their promotional campaigns earlier, organizing Black Week(s). Their goal is to spread out shopping traffic over a longer period, increase visibility of their offers, and maximize sales throughout the holiday season. Attractive prices alone, however, are not enough to fully leverage the potential of this period. It's also worth ensuring convenient and flexible payment methods that make it easier for customers to complete purchases and increase basket value. This is a great time to introduce solutions such as deferred or installment payments.

This article will detail which industries are better suited for deferred payments and which benefit more from installment sales. You’ll learn what to consider when selecting payment methods to best fit your business profile and your customers' expectations.

Table of contents:

  • Installments or deferred payment? Key differences
  • Black Week purchases using deferred payments
  • How do deferred payments work?
  • Which industries benefit most from deferred payments?
  • Is it worth offering installment payments during Black Week?
  • How do Przelewy24's installment payments work?
  • Black Week installment purchases. Which industries find them especially appealing?
  • Frequently Asked Questions (FAQ)

Key takeaways:

  • Deferred payments allow customers to buy now and pay later, typically within 30 days without extra charges;
  • Installment payments break the purchase cost into monthly payments, making it easier to finance higher-priced products or services;
  • Flexible payment methods improve conversion rates and reduce cart abandonment;
  • Before implementing deferred or installment payments in your store, it's worth analyzing your target group and tailoring the methods to customer expectations and average cart value;

Installments or deferred payment? Key differences

Installment and deferred payments work in different ways (though there are exceptions, which we’ll cover shortly), and the choice should be tailored to your customer profile and the nature of your products. Purchases with deferred payment—through services like PayPo and BLIK Pay Later—allow customers to use goods and services immediately after placing an order and receiving the shipment. The payment, however, is made later—typically within 30 days.

Installments also offer immediate access to the product, but the payment is spread over a longer period—from several to dozens of months. Depending on the chosen option, this method may involve interest from the first installment. Still, installment payments help relieve the customer’s household budget.

Black Week 2025 purchases using deferred payments

According to the PayPo report “Poles Shopping with BNPL”, nearly one in three respondents uses deferred payments during sales or promotions. It becomes especially useful when time is of the essence and special offers have limited availability. For almost half of the respondents, it's also a good solution for unplanned expenses when they don’t want to give up the purchase. Interestingly, the study also revealed that 52% of respondents abandoned their purchase due to the lack of a deferred payment option in the chosen store.

How do deferred payments work?

Let’s see how deferred payments work from the customer’s side and how they operate on the merchant’s end:

  • the customer adds products or services to their cart;
  • during checkout, they select “Installments and deferred payments” from available payment methods via Przelewy24 (available for transactions between PLN 10 and PLN 5,000);
  • the customer fills out the form with their personal data and must read and accept the terms for deferred payment purchases;
  • once the customer places the order, you as the seller immediately receive the funds;
  • the customer then has 30 days to complete the payment (without additional costs) or opt for installment repayment (typically with interest).

Which industries benefit most from deferred payments?

Deferred payments let customers try out goods before paying for them. This method is especially popular in clothing, footwear, and sports stores. Customers also prefer deferred payments for higher-priced electronics and home appliances when they want to test a product first.

It’s also important to note that the majority of customers using deferred payments repay the amount within 30 days—during the no-interest period (according to BIK data, this applies to 74.1% of people). This suggests that the value of their purchases is manageable enough that extended repayment isn't necessary.

When planning to implement deferred payments, take a closer look at your store's most active target group. BIK data shows that 55% of new BNPL users in the credit market are under the age of 24.

Explore the benefits of Przelewy24 payment solutions

Is it worth offering installment payments during Black Week 2025?

Enabling installment payments not just during Black Week or Black Friday campaigns but also as a permanent option can be a smart move. First, flexible payment terms increase the chance of quick purchase decisions and reduce cart abandonment.

Second, reports like “E-commerce in Poland 2025” and BIK statistics show a rapid rise in the popularity of “buy now, pay later” options in Polish e-commerce. However, BNPL services generally come with purchase limits of just a few thousand PLN (for example, PayPo sets initial purchase limits between PLN 200 and PLN 800, increasing up to PLN 6,000 over time). This means that for larger purchases exceeding those limits, customers look for alternative solutions such as Przelewy24 Installments.

How do Przelewy24's installment payments work?

To use installment payments, the customer should:

  • add products or services to their cart;
  • select “Przelewy24 Installments” at checkout as their payment method;
  • fill out the financing form, e.g. set the monthly payment amount and number of installments;
  • await the bank’s credit decision and, if required, undergo identity verification;
  • if the credit is approved, the funds are immediately transferred to you as the seller;
  • the customer then pays monthly installments according to the agreed schedule.

Black Week 2025 installment purchases: Which industries find them especially appealing?

Installments make it easier to spread the cost of expensive purchases over time. This is particularly important for higher-priced products, such as premium electronics and appliances, furniture, home improvement solutions, medical devices, etc. Online installments also perform well in industries like travel and automotive.

Przelewy24 offers payment methods tailored to your customers

Frequently Asked Questions (FAQ)

What’s the difference between deferred payments and installment payments?

Deferred payments (also called “buy now, pay later” or BNPL) let customers receive goods immediately, while postponing payment for about 30 days. This is often a no-interest period. If payment is not made on time, the amount may then be converted into installments, usually with added charges.

Installment payments allow the purchase amount to be split into several or many monthly payments. These may (but don’t always) include interest or processing fees, but they enable customers to manage their spending over time.

Can I offer promotional 0% installments during Black Week 2025?

Yes, 0% interest installments work well for short-term promotions. Just make sure to clearly communicate the offer details—such as the number of installments, purchase amount limits, and promotion duration—on product pages or within the shopping cart.

How should I choose between deferred and installment payments for my store?

You don't have to choose—you can offer both methods to your customers. However, if you decide to implement only one, consider your customer profile and analyze average cart value. Deferred payments work best for lower-priced items and products that customers want to try first. Installments are better for expensive purchases that are difficult to pay for all at once or when customers are encouraged to buy more.

Sources:

  • 1. PayPo Report “Poles Shopping with BNPL”, online source: https://raport.paypo.pl/polak-na-zakupach-z-bnpl, accessed: November 12, 2025
  • 2. BLIK Pay Later for Stores, online source: https://www.blik.com/place-pozniej-dla-sklepow, accessed: October 29, 2025
  • 3. PayPo for Stores. How it works?, online source: https://paypo.pl/biznes#how-it-works, accessed: October 29, 2025
  • 4. “E-commerce in Poland 2025”, online source: https://gemius.com/documents/81/RAPORT_E-COMMERCE_2025.pdf, accessed: November 12, 2025
  • 5. BIK: BNPL, Loans & Cash Credits in H1; Revival in Mortgage Lending, online source: https://media.bik.pl/informacje-prasowe/855684/, accessed: October 29, 2025
  • 6. Spending limits in PayPo – what is it and how does it work?, online source: https://paypo.pl/blog/limit-zakupowy-w-paypo-co-to-jest-i-jak-dziala/, accessed: October 29, 2025
  • 7. Online Installment Purchasing: Procedures, Rules, Customer Benefits, online source: https://www.przelewy24.pl/blog/zakup-ratalny-przez-internet-procedury-zasady-korzysci-dla-klientow, accessed: October 29, 2025