P24

Przelewy24 (P24) is a payment method available in Poland that enables instant fund transfers from customers to merchants, bypassing interbank processing sessions. The buyer logs in to his Pay By Bank, but doesn’t have to enter transfer details – the form is completed automatically.

#➡️ Key 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

#How it works

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

Merchants do not need to have an account with P24

• 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

• 0% Cashback: Not supported

• MOTO: Not supported

• Cancellation: Supports cancellation

• Disputes: Supported

• DCC: Not supported

• Surcharge: Not supported

• Tipping: Not supported

• Installments: Not supported

• Tokenization: No

• Restricted MCC: Some Merchant Categories are not eligible to have P24 activated. Check below the respective table.

• 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

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.

#➡️Merchant Categories

Some merchant categories 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:

#Mcc

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

#➡️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!