“Can Poland's dominant pay-by-link PSP evolve into a full commerce platform spanning online, POS, cross-border FX and embedded SMB lending?”
Founded 2004 in Poznań as DialCom24, Przelewy24 grew into Poland's largest online payment operator, supporting pay-by-link transfers from all major Polish banks plus BLIK, cards, and wallets. Acquired by Nets in 2017 and subsequently rolled into Nexi Group, it consolidated Polish payments through the 2020 merger with Dotpay and eCard under holding entity PayPro S.A. Today it operates as a licensed Polish payment institution and is expanding beyond acquiring into embedded lending (Przelewy24 Finance with PragmaGO) and omnichannel POS via sister brand Polskie ePłatności.
Przelewy24 processes payments through Przelewy24 (self-operated), Fiserv, Worldline, Elavon, eService, Nets and Stripe.
Przelewy24's cards run on Visa and Mastercard.
Przelewy24's lending and capital products are provided by PragmaGO.
Przelewy24 uses Przelewy24 (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in Przelewy24's stack: Payments / PSP (Przelewy24 (self-operated), Fiserv, Worldline, Elavon and 3 others); Card network (Visa and Mastercard); Lending (PragmaGO, Przelewy24 Finance (up to PLN 1.2M) and Mistrzowski Kredyt Gotówkowy (consumer loan)); FX & payouts (Przelewy24 (self-operated)).
Przelewy24 is founded in 2004 and headquartered in Poznań, Poland.
Przelewy24's acquisitions include Dotpay (2020) and eCard (2020).
Get a read on where your own stack stands against Przelewy24 and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.