Przelewy24 is a Poland-based real-time online bank transfer payment method, often referred to as P24. Bank transfers are the most popular payment method in Poland where there is only 19% card penetration and P24 is one of the most popular payment methods. Learn more about Przelewy24.

Payment method properties

Consumer bank selection

In the Przelewy24 payment flow, the consumer selects their online bank or payment method and is then redirected to their bank's online environment to approve the payment.

Przelewy24 supports providing the consumer’s preferred bank by including the bankCode in the request. This allows you to bypass the Przelewy24 bank selection page.

Make a Przelewy24 payment

Przelewy24 payments follow our standardized REDIRECT payment flow. However, we recommend including all relevant settings for any authentication methods you support.

To make a Przelewy24 payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges API:

Request

POST /v1/payment-charges

{
  "paymentMethod": "P24",
  "amount": {
    "value": 1000,
    "currency": "PLN"
  },
  "consumer": {
    "name": "John Smith",
    "country": "PL",
    "email": "[email protected]"
  },
  "instrument": {
    "type": "BANK_ACCOUNT",
    "details": {
      "bankCode": "25" //optional
    }
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response (see potential responses in the API Reference)

{
  "id": "charge_X0O78tadFHrZCbGhkycPk",
  "status": "AUTHENTICATION_PENDING",
  
  // ...
  
  "authenticationMethods": [
    {
      "type": "REDIRECT",
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      }
    }
  ]
}

Pick the desired authentication method

REDIRECT

1. Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
   For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
2. The consumer will finalize the payment process on the redirected page.

Handling the payment result

REDIRECT

1. Once the consumer has confirmed the payment, they are redirected to the returnUrl provided in the initial payment charge creation request.
2. After the consumer is redirected back to your site, check the payment status by making a GET /v1/payment-charges/{paymentChargeId}. Use the Status that you received to display the payment outcome to the consumer.
3. Webhooks are also sent to inform you of the payment outcome. If the shopper closes the browser and doesn't return to your website, you can rely on webhooks to receive the payment result.

Payment instrument

An instrument of type BANK_ACCOUNT will be created for Przelewy24 payments where the consumers chosen bank will be returned.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
  "id": "instr_LlSIQh8ddrKUF1ohX9bZT",
  "details": {
    "bankName": "BLIK",
    "bankCode": "154"
  },
  "type": "BANK_ACCOUNT"
}

Account on file

To streamline future Przelewy24 transactions, include the instrumentId in your requests. This allows for bypassing of the bank selection step and route the payment directly using the associated bankCode.