name: Przelewy24 FinOps
description: >-
  Financial operations guidance for Przelewy24 API integration. Covers
  transaction costs, settlement timing, currency handling, refund windows,
  and cost optimization strategies for merchants using the Przelewy24
  payment gateway.
costs:
  activation:
    amount: 59.00
    currency: PLN
    refundable: true
    refundCondition: At least 10 transactions completed within the first two months

  monthlySubscription:
    amount: 0.00
    currency: PLN
    note: No monthly or annual subscription fees

  integration:
    amount: 0.00
    currency: PLN
    note: No integration or setup fees beyond the activation fee

  perTransactionFees:
    - paymentMethod: Online bank transfer
      commissionRate: '1.90%'
      minimumFee: null
      currency: PLN

    - paymentMethod: Card payments (Visa, Mastercard)
      commissionRate: '1.29%'
      fixedFee: 0.30
      currency: PLN

    - paymentMethod: BLIK
      commissionRate: '1.90%'
      currency: PLN

    - paymentMethod: Google Pay
      commissionRate: '1.90%'
      currency: PLN

    - paymentMethod: Prepaid cards
      commissionRate: Variable
      note: Contact Przelewy24 for prepaid card fee schedule

  withdrawalFees:
    - tier: First 4 per month
      amount: 0.00
      currency: PLN
    - tier: Each additional beyond 4 per month
      amount: 0.99
      currency: PLN

  refunds:
    fee: No explicit refund fee documented publicly
    window: Up to 180 days post-transaction
    settlement: Immediate upon processing
    note: >-
      Original transaction commission is typically not returned on refunds.
      Verify current refund commission policy with Przelewy24 support.

settlement:
  options:
    - type: Daily
      description: Funds settled to merchant bank account daily
    - type: Weekly
      description: Funds settled to merchant bank account weekly
  currencies:
    - PLN
    - EUR
  note: >-
    Settlement currency and schedule can be configured in the Przelewy24
    merchant administration panel.

costOptimization:
  - strategy: Card Payment Promo
    description: >-
      New merchants may qualify for 0% commission on Visa and Mastercard
      payments for 12 months or up to PLN 50,000 turnover through the
      Polska Bezgotówkowa program.
    url: https://www.przelewy24.pl/en/offer/commissions-and-fees

  - strategy: Minimize Extra Withdrawals
    description: >-
      Keep monthly bank withdrawals to 4 or fewer to avoid the PLN 0.99
      fee per additional withdrawal.

  - strategy: Volume Negotiation
    description: >-
      High-volume merchants should contact Przelewy24 sales to negotiate
      lower per-transaction commission rates.
    url: https://www.przelewy24.pl/en/start-cooperation

  - strategy: Cache Payment Methods
    description: >-
      Cache the /api/v1/payment/methods response locally for at least
      one hour to reduce API call volume and latency.

  - strategy: Refund Timing
    description: >-
      Process refunds promptly; the 180-day window provides flexibility
      but refunds tied to disputed transactions should be handled within
      chargeback timeframes.

monitoring:
  adminPanel: https://panel.przelewy24.pl/
  sandboxPanel: https://sandbox.przelewy24.pl/panel
  reportingAPI: https://developers.przelewy24.pl/extended/
  statusPage: https://status.przelewy24.pl/