# Przelewy24 — Payment

Przelewy24 by PayPro S.A. holds a panel rating of 1.5/5 from 6 AI judges (category median 2/5), as of 2026-10-15. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: PayPro S.A. (https://www.przelewy24.pl)
- Category: [Payment](https://whats-best.ai/software/payment.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/payment/przelewy24
- Alternatives: https://whats-best.ai/software/payment/przelewy24/alternatives ([markdown](https://whats-best.ai/software/payment/przelewy24/alternatives.md))
- Data as of: 2026-10-21 · evaluated 2026-10-15 · oldest source captured 2026-10-13

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: PayPro S.A.
- Headquarters: Not stated on the vendor’s pages as of 13 Oct 2026
- Data hosting: Not stated on the vendor’s pages as of 13 Oct 2026
- Free plan: Not stated on the vendor’s pages as of 13 Oct 2026

## The panel's verdict

Przelewy24, a payment service from PayPro S.A., scores best on checkout and strong customer authentication, 3-4: 3-D Secure 2.x meeting PSD2 requirements is stated, with four integration options and a demo store. Settlement and reconciliation and licence and account terms each span 2-4: reports ship in CSV, HTML and XML by email or FTP, with payout and refund reports over REST and SOAP, but the judges found no published payout frequency, supervisor or register number, against a stated 15-working-day complaint deadline. Payment methods run 1-2 and recurring billing 2-3: five card acquirers are named with traffic routed between them, but no public list of local methods with countries and currencies was found, and recurring evidence ends at an integration option aimed at subscription merchants. The genuine split is sovereignty, 0 to 3: the written findings list the same absences — no sovereignty attributes on record, no published data-location statement, no subprocessor list — and weigh them differently. Pricing is payer-side only: refunds at 2 PLN by transfer, 2.9% of a debit-card prepayment, 30 PLN to a foreign account.

**Speaks for it:**
- Checkout states 3-D Secure 2.x meeting the PSD2 requirements for strong customer authentication, with four integration options and a demo store for testing payments
- Reporting is documented: transactions, returns, payments and invoices in CSV, HTML and XML by email or FTP, plus transaction, payout and refund reports over REST and SOAP
- Five card acquirers are named — Fiserv, Worldline Financial Services, Elavon, Eservice and NETS DENMARK AS — with traffic routed between them
- The regulations publish a complaint deadline of 15 working days, extendable to 35 with additional information, and refund unused prepayments after 30 days minus the refund cost
- Onboarding is online, with contract acceptance at sign-up, data confirmed by a verification transfer, and sales possible the same day per the vendor's page

**Held against it:**
- No public list of local payment methods with their countries and currencies was found, and no public information on SEPA Direct Debit or wallets
- Recurring billing is evidenced only as an integration option aimed at subscription merchants, with no public information on mandate handling, retries, dunning or exporting stored credentials
- Payout timing is stated only as 'regular and timely payments to the Merchant's account', with no published frequency or delay
- No public information was found on the supervisor, register number or licence type behind PayPro, or on safeguarding of merchant funds, reserves or termination notice
- No sovereignty attributes are on record, and no published statement was found on where transaction and cardholder data are processed, or on subprocessors

**Best for:**
- You want a card checkout with 3-D Secure 2.x meeting PSD2 strong customer authentication that you can test in the demo store before signing up
- Your finance team builds its own reconciliation and values report delivery by email or FTP in CSV, HTML or XML, with payout and refund reports over REST and SOAP
- You want online registration with contract acceptance at sign-up and a published complaint deadline of 15 working days in the terms

**Avoid if:**
- You plan entry into several markets and need each local method's countries and currencies documented before committing
- You must show where payment and cardholder data are processed, or list subprocessors, for a buyer or auditor
- Your subscription model depends on documented mandate handling, retries, dunning or the ability to export stored credentials
- Your month-end close requires a stated payout frequency or delay, not 'regular and timely' payments

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price.

| Criterion | The Finance Lead | The E-Commerce Lead | The SaaS Founder | The Payments Engineer | The Compliance Officer | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Payment methods & local coverage | 1/5 | 1/5 | 0.5/5 | 0.5/5 | 1/5 | 1/5 |
| Checkout, SCA & fraud | 1.5/5 | 1.5/5 | 1.5/5 | 2/5 | 2/5 | 1.5/5 |
| Subscriptions & recurring payments | 1.5/5 | 1/5 | 1/5 | 1.5/5 | 1/5 | 1/5 |
| Settlement, reconciliation & API | 1.5/5 | 2/5 | 1.5/5 | 1/5 | 2/5 | 1.5/5 |
| Licence, risk & account terms | 1/5 | 1/5 | 1.5/5 | 1/5 | 2/5 | 1/5 |
| European sovereignty | 0.5/5 | 0/5 | 0/5 | 1/5 | 1.5/5 | 0/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **1/5** | **1.5/5** | **1/5** | **1.5/5** | **2/5** | **1/5** |

### The judges

- **The Finance Lead** (v1.0): Closes the month and owns the cash position. Wants payouts on a stated schedule, fees itemised per transaction rather than netted into a lump, reports that match the bank statement, and a rolling reserve written into the contract with a limit rather than discovered on a Tuesday.
- **The E-Commerce Lead** (v1.0): Sells to customers in eight EU countries and is measured on conversion. Wants the local methods each market actually uses named per country, a checkout that stays on her domain, and 3-D Secure that challenges only when it must. Reads "100+ payment methods" as a count, not a list.
- **The SaaS Founder** (v1.0): Runs a B2B subscription business where every failed renewal is churn nobody chose. Wants SEPA mandates as well as cards, dunning that recovers, proration that is correct, and the payment tokens exportable — because a provider that keeps the tokens keeps the customer base hostage.
- **The Payments Engineer** (v1.0): Integrates the provider and gets paged when webhooks stop arriving. Wants a versioned API with idempotency keys, a test mode that behaves like production, the PCI scope of each integration stated, and a status page that admits incidents rather than a green dot.
- **The Compliance Officer** (v1.0): Handles data protection and outsourcing risk, and wants the regulated entity named with its supervisor and register number, not "licensed in Europe". Asks where transaction and cardholder data are processed, who the subprocessors are, and where the provider acts as controller rather than processor.
- **The Skeptic** (v1.0): Knows the headline rate covers the cheapest card in the cheapest country. Reads for the currency conversion markup, the chargeback fee, the payout delay and the clause that lets the provider freeze funds without a reason — and treats a missing licence number as an answer.

## European sovereignty — proven facts

No sovereignty finding yet.

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Aml fraud: yes · yes [S6]
- GDPR processing: yes [S6]

**Integrations**
- Options: White Label · AJAX · Recurring Payment · Przelewy24 LVL0 Form [S3]

**Legal**
- Amendment rights: on the day of posting on the website · yes [S6]
- Controller: Poznań, ul. Pastelowa 8, 60-198 Poznań · PayPro S.A. [S6]
- Documents: yes · Regulamin · Reklamacje · Polityka plików cookies · Broszura dot. praw konsumentów · Informacja o realizowanej strategii podatkowej · RODO - akceptanci · RODO - płatnicy [S1]
- Entity: PayPro SA [S3]
- Entity: PayPro SA [S2]
- Entity: ©PayPro SA 2026 [S4]
- Entity: 0000347935 · 7792369887 · PayPro S.A. · Poznań, ul. Pastelowa 8 (60-198) · IP24/2014 · 4737100 [S6]
- Governing law: Polish law [S6]
- Not bank: no · no [S6]
- Prohibited uses: illegal goods or services · IP infringement · goods not admitted for trade in the EU · pornographic content [S6]
- Withdrawal period: 14 · not available if PayPro has fully performed the ITP Service at the consumer's request before the deadline [S6]

**Product**
- 3d secure 2: 2.x · yes [S3]
- Card acquirers: 5 · Fiserv · Worldline Financial Services · Elavon · Eservice · NETS DENMARK AS [S3]
- Demo store: Dostępny sklep demo do przetestowania płatności [S1]
- Itp free to payer: Payment Recipient may charge a fee for certain payment methods · yes [S6]
- Itp initiation time: 15 [S6]
- Itp service: one-time initiation of a payment order from the Account at the Payer's request [S6]
- Online onboarding: Rejestracja online, sprzedaż nawet tego samego dnia [S1]
- Payment statuses: Pending · Under verification · Prepaid · Complete · Error · Refunded [S6]
- Prepayment expiry: minus cost of refund; immediate refund on request · 30 [S6]
- Recurring benefit timely: Regular and timely payments to the Merchant's account [S4]
- Recurring target segments: VOD platforms, utilities providers, gyms and fitness clubs, insurance companies and other subscription-model Merchants [S4]
- Refund fees: plus Polish Post charge · 2 · 2.9 · 30 [S6]
- Report delivery email: yes [S5]
- Report delivery ftp: yes [S5]
- Reports panel formats: CSV · HTML · XML · transactions · returns · payments · invoices [S5]
- Reports rest API: Transaction reports by date, payouts, refunds via REST API [S5]
- Reports soap: Transaction reports by date, payouts, refunds via WebServices (SOAP) [S5]
- Split payment VAT: not possible with non-transfer-based payment methods (e.g. card payments) · yes [S6]
- Transaction status: Funkcja sprawdzania statusu transakcji [S1]

**Support**
- Complaint SLA: 15 · 35 [S6]
- Help center: Centrum pomocy · yes [S1]

## Questions

### Is Przelewy24 European?

Not determined: the vendor’s pages as captured do not say where Przelewy24 is based.

### Where does Przelewy24 store data?

Not stated on the vendor’s pages as of 13 Oct 2026.

### Does Przelewy24 have a free plan?

Not stated on the vendor’s pages as of 13 Oct 2026.

### What are the best alternatives to Przelewy24?

As of 21 Oct 2026, the panel rates [Adyen (3/5)](https://whats-best.ai/software/payment/adyen), [Mollie (3/5)](https://whats-best.ai/software/payment/mollie) and [Checkout.com (3/5)](https://whats-best.ai/software/payment/checkout-com) highest among the other 30 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Adyen](https://whats-best.ai/software/payment/adyen) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Przelewy24 alternatives](https://whats-best.ai/software/payment/przelewy24/alternatives).

## What this page leaves out

- We could not confirm any pricing information on the vendor’s own pages as captured, so this page shows none rather than a statement we cannot stand behind.
- 35 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 3 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 3 support facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement.

## Sources

- [S1] Vendor page: https://www.przelewy24.pl (checked 2026-10-13)
- [S2] Payment methods & local coverage — found from sitemap: https://www.przelewy24.pl/en/payment-methods (checked 2026-10-13)
- [S3] Payment methods & local coverage — found from sitemap: https://www.przelewy24.pl/en/payment-methods/card-payments (checked 2026-10-13)
- [S4] Subscriptions & recurring payments — found from sitemap: https://www.przelewy24.pl/en/payment-solutions/recurring-payments (checked 2026-10-13)
- [S5] Settlement, reconciliation & API — found from sitemap: https://www.przelewy24.pl/en/payment-solutions/reporting (checked 2026-10-13)
- [S6] Licence, risk & account terms — found from sitemap: https://www.przelewy24.pl/en/regulations (checked 2026-10-13)

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Cite as: whats-best.ai, "Przelewy24 — Payment", AI panel analysis, as of 2026-10-21. https://whats-best.ai/software/payment/przelewy24

Corrections: https://whats-best.ai/correct/812?target=page