PayPo
Country: Poland (PL) | Payment Rail: closed_loop_wallet
BNPL
Market Adoption: 5%
PayPo is the leading native Buy Now Pay Later fintech service in Poland, featuring 30-day interest-free deferred payments and flexible installments and widely used for online fashion, beauty, and consumer electronics.
🔄 User Payment Flow
- Customer selects PayPo (Pay in 30 days) at merchant checkout
- Customer enters mobile phone number and national ID (PESEL)
- PayPo conducts instant credit check via SMS OTP
- Order is approved immediately and customer receives 30 days to pay without extra fees
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant triggers PayPo checkout session via API or PSP gateway
- PayPo assumes 100% credit risk and guarantees full payout to merchant
- Merchant receives settlement callback and ships goods
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Adyen