name: Przelewy24 Plans
description: >-
  Przelewy24 operates on a merchant account model with per-transaction pricing.
  There are no monthly subscription fees or integration fees. Merchants pay
  commissions on each transaction, with rates varying by payment method.
  A one-time refundable activation fee applies. Pricing is tailored via
  direct agreement for high-volume merchants.
plans:
  - name: Standard Merchant Account
    description: >-
      The default Przelewy24 merchant plan with per-transaction fees and no
      recurring subscription costs. Suitable for small to medium e-commerce
      businesses. API access is included with all merchant accounts.
    url: https://www.przelewy24.pl/en/offer/commissions-and-fees
    activationFee:
      amount: 59.00
      currency: PLN
      note: Refundable if at least 10 transactions are completed within the first two months
    monthlyFee:
      amount: 0.00
      currency: PLN
    integrationFee:
      amount: 0.00
      currency: PLN
    transactionFees:
      - method: Bank Transfer (online banking)
        rate: 1.9%
        currency: PLN
        note: Standard commission for online bank transfer payments
      - method: Card Payments (Visa/Mastercard)
        rate: 1.29%
        fixedFee: 0.30
        fixedFeeCurrency: PLN
        currency: PLN
        note: Per-transaction card processing fee
      - method: BLIK
        rate: 1.9%
        currency: PLN
        note: Polish mobile payment commission rate
      - method: Google Pay
        rate: 1.9%
        currency: PLN
        note: Digital wallet payment commission
    withdrawalFees:
      - description: First 4 withdrawals per month to bank account
        amount: 0.00
        currency: PLN
      - description: Each additional withdrawal beyond 4 per month
        amount: 0.99
        currency: PLN
    promotions:
      - name: Polska Bezgotówkowa Program
        description: 0% commission on Visa and Mastercard card payments for 12 months
        condition: Until 12 months pass or PLN 50,000 turnover is reached, whichever comes first
        eligibility: New merchants qualifying under the Polska Bezgotówkowa government program
    apiAccess: true
    sandboxAccess: true
    supportedCurrencies:
      - PLN
      - EUR
    supportedPaymentMethods:
      - Online bank transfers (165+ Polish banks)
      - Credit cards (Visa, Mastercard)
      - Debit cards
      - BLIK
      - Google Pay
      - Prepaid cards
      - Mobile banking transfers

  - name: Enterprise / Custom Volume
    description: >-
      High-volume merchants can negotiate custom commission rates directly
      with Przelewy24 sales. Rates may be lower than standard per-transaction
      fees for merchants with significant monthly turnover.
    url: https://www.przelewy24.pl/en/start-cooperation
    note: Contact Przelewy24 sales for custom pricing
    customPricing: true
    apiAccess: true
    sandboxAccess: true