PrestaShop payment methods: Stripe, Apple Pay and BLIK for Poland

Which PrestaShop payment methods should your store offer? For most European stores the core set is card payments with Apple Pay and Google Pay, handled by a provider such as Stripe, plus bank transfer for business customers. If you sell to Poland, add BLIK and instant bank transfers (for example Przelewy24), because that is how Polish shoppers prefer to pay. Below you will find a comparison of the methods, practical notes on fees and refunds, and the legal basics.

Which payment methods should a PrestaShop store offer?

There is no single set that suits every store, but this mix covers most customers:

• Card payments — Visa, Mastercard and other networks; essential for international sales.
• Apple Pay and Google Pay — the card stored in the phone, no card number to type.
• Local methods for your markets — for Poland that means BLIK and instant transfers; other countries have their own favourites.
• Bank transfer — slower, but valued by businesses paying against an invoice.

A missing payment method is one of the reasons shoppers abandon their carts. We cover the other reasons in our post on PrestaShop abandoned cart recovery.

Card payments with Stripe

Stripe is an international payment provider that accepts Visa, Mastercard and other card networks, as well as the Apple Pay and Google Pay wallets. It offers an official PrestaShop module ("Stripe payment module"), and further methods — such as BLIK, Przelewy24 or Klarna — are switched on in the Stripe Dashboard, depending on your account country and currency. We use Stripe in our own store, addonspresta.com.

Its strengths are international customers and multiple currencies, built-in fraud tools and a clear dashboard with reports. If you sell only to Poland, it is still worth comparing it with Polish providers that specialise in BLIK and instant transfers. If you sell across borders, cards and wallets are a must, and Stripe handles them in one place.

In the European Economic Area, online card payments usually require strong customer authentication (3-D Secure), for example a confirmation in the customer's banking app. A good provider handles this automatically, but always place a test order with a real card after setup.

Apple Pay and Google Pay in PrestaShop

Apple Pay and Google Pay are wallets that hold the customer's payment cards. Instead of typing a card number, the customer confirms with a fingerprint, face or phone passcode. On mobile this is often the fastest way to pay by card.

A few practical points:

• the button only appears on devices and browsers that support the wallet,
• Apple Pay requires your store domain to be verified with the payment provider,
• fees and refunds work as for a normal card payment, because underneath it is a card transaction,
• wallets usually come from the same provider that accepts your cards, such as Stripe.

Bank transfer: still worth offering?

Yes, as an extra option. PrestaShop includes the ps_wirepayment module ("Wire payment"), which shows the customer your bank details and a payment reference. The order gets the Awaiting bank wire payment status, and you change it by hand once the money arrives. There is no provider commission, but you have to match payments manually and orders take longer to ship. Businesses paying against an invoice and customers who avoid payment gateways tend to like it.

Selling to Poland: BLIK and Przelewy24

If you sell to Polish customers, card payments alone are not enough. Polish shoppers widely use two local methods.

How does BLIK work?

The customer generates a six-digit code in their banking app, enters it in your checkout and confirms the payment on their phone. The code is valid for 2 minutes and the whole payment usually takes seconds. BLIK works in Polish złoty and needs an account at a bank that supports it, so it is mainly a method for customers in Poland.

There are two ways to integrate it:

• with a redirect — the customer goes to the payment provider's page and enters the code there,
• directly in the store (known as BLIK level 0) — the code field appears on your checkout page, so the customer never leaves your store.

What is Przelewy24?

Przelewy24 is a Polish payment provider that combines instant bank transfers from many banks, BLIK and card payments. With an instant transfer the customer picks their bank, logs in to online banking and approves a transfer with the amount, recipient and reference already filled in. Your store receives the confirmation automatically, so the order is marked as paid straight away. It suits customers who pay from a computer and larger amounts that may exceed the BLIK limit set by their bank.

Payment methods compared

How much do online payment methods cost?

Fees differ between providers and depend on your contract, the payment method, the country where the card was issued and your volume. Usually there is a commission per transaction (a percentage, a fixed amount or both), sometimes with extra charges for refunds or disputes. When you compare offers, check:

• the commission for each method separately, since cards, transfers and BLIK are often priced differently,
• the cost of a refund and of a card dispute (chargeback),
• how often and how fast payouts reach your bank account,
• the documents needed and how long the business verification takes,
• whether rates can be negotiated as your volume grows.

We do not quote specific rates here, because they change and depend on your individual agreement. Current pricing is on each provider's website.

What are the legal requirements for online payments?

A few basics to keep in mind (this is not legal advice):

• No card surcharges. In the European Union, under the PSD2 directive, merchants may not charge consumers an extra fee for paying with a consumer card; the UK has a similar ban. Build the provider's fee into your prices instead of adding it to one payment method.
• Information before the order. Customers must know the payment options and the total price before they place the order. Describe them in your terms and show them in checkout.
• Card data security. Never store card numbers in your store. Use the payment forms provided by your provider, which process card details on its side. Malicious code that replaces the payment form is a common attack; read our post on PrestaShop security for the warning signs and how to protect your store.

Tip: your payment provider will review your business and website before activating payments. Have your terms, returns policy and contact details ready before you apply.

How do refunds work with online payments?

In the EU, a consumer who withdraws from a distance contract must get their money back within 14 days of the store receiving the withdrawal notice. The refund should use the same payment method the customer used, unless they expressly agree to another one. You may hold the refund until you receive the goods or proof that they were sent back.

One thing to remember in PrestaShop: the Partial refund and Standard refund buttons on the order page record the refund in the store and can generate a credit slip, but they do not move any money by themselves. You return the funds in the provider's dashboard, or directly from the order if the payment module supports it.

How do you set up payments in PrestaShop?

1. Install the payment modules in Modules → Module Manager and configure them with the keys from your provider's dashboard, starting in test (sandbox) mode.
2. Check which methods are active under Payment → Payment Methods.
3. Under Payment → Preferences, set currency, country, group and carrier restrictions — for example, show BLIK only for payments in złoty.
4. Place a test order with each method, on a phone too, and check order statuses and customer emails.
5. Switch the modules to live mode and make one real payment followed by a refund.

If your payment setup needs theme changes or a custom integration, our hourly development work can help.

Frequently asked questions

Need help adding BLIK, Przelewy24 or Stripe to your store? Order development work or contact us.

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