Integrate Card payments for global reach

Leverage the universal appeal of card payments to expand your customer base globally

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Card payments are currently the third most popular payment method in Poland.

They are chosen by 28% of women and 39% of men who shop online.1

1 Source: Finance in Times of Inflation: A Study of the Attitudes and Behaviors of Polish Women and Men in the Financial Sector from 2017 to 2023. Autopay

Introduction to Card payments

Card payments are a fundamental method of transaction that revolutionize shopping both online and in physical stores across Poland and globally.

Card payments are securely processed with advanced encryption and fraud prevention technologies, ensuring that every transaction is safe and private.

With widespread acceptance at millions of locations worldwide, card payments not only facilitate everyday purchases but also empower consumers with a reliable and swift means of managing their spending across diverse platforms.

How Card payment works

1. Selection at checkout

As customers conclude their shopping, they select 'Card payment' as their preferred method at the checkout page.

2. Card information entry

Customers can either enter their card details manually for one-time use or select a previously saved card from their account for convenience.

3. Security verification

To ensure the transaction's integrity, several security checks are conducted: CVV Verification, One-Time Password (OTP) or real-time scanning.

4. Authorization by card issuer

The card issuer reviews the transaction request to confirm the availability of funds and the validity of the card details.

5. Payment confirmation

Once authorized, the payment is processed, and both the merchant and customer receive confirmation of the successful transaction.

Benefits of integrating Card payments

Increased conversion rates

By offering a familiar and trusted payment method, businesses can significantly lower the instances of cart abandonment. The ease and speed of card transactions encourage customers to complete purchases without hesitation.

Secure and reliable payment options assure customers of their safety, prompting higher completion rates at checkout.

Enhanced security

Implement state-of-the-art security measures such as end-to-end encryption, tokenization, and continuous monitoring to safeguard customer data and prevent fraudulent activities.

Adhere to international security standards like PCI DSS, ensuring that your payment processes meet rigorous industry requirements, thus building trust and protecting against liability.

Wider customer reach

Card payments are universally accepted, allowing businesses to reach a broader audience. This accessibility makes it easier for international customers to make purchases, thus expanding your market presence.

Support for major credit and debit cards, including Visa and MasterCard, as well as digital wallet services like Apple Pay and Google Pay, meets the varied preferences of different customer segments.

Streamlined payments

Easily integrate card processing with your existing payment systems, ensuring a smooth transaction flow that does not disrupt your operational setup.

Automate payment processing to reduce manual entry and human error, speeding up transactions while reducing operational costs.

About Autopay


the year we entered the market


banks and institutions are our trusted partners

50 000

online stores have chosen our online payment solutions

>10 bn

the value of transactions handled by us in 2023

Your trusted partner

From October 1, 2013, we enjoy the status of a national payment institution supervised by the Polish Financial Supervision Authority

Since 2011, pursuant to the consent of the National Bank of Poland, we have been conducting clearing and settlement activities supervised by the NBP.

We have obtained the PCI DSS and PCI 3DS certificates, enabling the processing of card data in IT systems and payment gateways.

We are listed as official suppliers for Visa and Mastercard.

Frequently asked questions (FAQ)

To ensure the highest level of security for card transactions, our platform incorporates several robust protective measures:

  1. End-to-End Encryption (E2EE) – all card data entered by customers is encrypted from the moment it is input until it reaches our secure server. This means that sensitive information is never exposed during transmission, preventing unauthorized access.
  2. Tokenization – instead of storing card numbers directly, our system replaces them with unique identifiers or tokens. These tokens are useless outside of the specific transaction context, significantly reducing the risk of card data breaches.
  3. Secure Socket Layer (SSL) Certificates – our platform uses SSL certificates to establish a secure connection between the user's browser and our servers, ensuring that all data passed remains private and integral.
  4. Compliance with PCI DSS Standards –we adhere strictly to the Payment Card Industry Data Security Standard (PCI DSS), which sets the operational and technical standards to protect credit card data. Compliance with these standards is verified annually by a qualified security assessor.
  5. Fraud Detection Algorithms – our platform employs advanced algorithms to monitor transactions in real-time for any suspicious activity. This proactive fraud management helps prevent fraudulent transactions before they occur.
  6. Multi-Factor Authentication (MFA) – for transactions that require higher security, such as large purchases or changes to account information, we implement multi-factor authentication. This requires users to provide multiple forms of verification, ensuring that they are the legitimate cardholders.

Absolutely. Our card payment integration solutions are designed to be flexible and adaptable, allowing customization to meet the specific requirements of different business models.

Our payment gateway interface can be tailored to align with your branding, including logos, color schemes, and overall design. This ensures a seamless look and feel that matches your business’s online presence.

We support a variety of payment methods and can enable or disable specific options based on your business requirements. Whether you need to accept international credit cards, local debit cards, or digital wallets like Apple Pay and Google Pay, our platform can accommodate.

Depending on your customer interaction model, we can adjust the payment flow to optimize the checkout process. For instance, if your business benefits from a quick checkout experience, we can simplify the payment steps to reduce friction.

Our payment system is designed to support a wide range of credit and debit card options, ensuring that you can cater to a diverse customer base.

Visa and MasterCard are the most widely used credit and debit card networks globally, and our system fully supports transactions using these cards. This ensures that the majority of your customers can easily make payments using their preferred card.

In addition to traditional card payments, our system integrates with digital wallets such as Apple Pay and Google Pay. These platforms allow users to store their card information securely and make payments quickly and conveniently using their mobile devices.

We recognize the importance of supporting local payment methods. Our platform is equipped to handle various regional card networks, ensuring that you can accommodate customers who prefer local payment options.

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Connect with us to learn more about our future-proof solutions designed for businesses looking to scale. Let's discuss how we can tailor our services to support your evolving needs.

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