entrepreneur bear any costs associated with participation in the Program?
Participation in the Cashless Poland Program is free. The entrepreneur does not bear any costs
until the turnover at the terminal reaches PLN 100,000 over 12 months. When the turnover exceeds
this amount, the entrepreneur will be charged in accordance with the contract with the
does the entrepreneur sign a contract to join the Program?
The entrepreneur signs a contract with the selected payment terminal provider participating in
the Program. All institutions (acquirers and banks) with which you can start cooperation are
listed on the website https://polskabezgotowkowa.pl/#wybierz-agenta.
and conditions will apply after the 12 free months?
Each institution participating in the Cashless Poland Program may offer different terms and
conditions after 12 free months.
For details of cooperation, the entrepreneur should contact the acquirer or bank of their
payment terminals may an entrepreneur receive under the Cashless Poland Program?
The entrepreneur can receive a maximum of 1 payment terminal within cooperation with one
acquirer. The subsidy period of 12 months is counted from the installation.
Only entrepreneurs in the passenger transport sector can receive 20 payment terminals.
the benefits for the entrepreneur?
Within the Cashless Poland Program the entrepreneur does not bear costs related to the
installation of payment terminal for 12 months and cashless payments handling for 12 months or
until a turnover of PLN 100,000 is reached.
conditions must be met by an entrepreneur to join the Program?
The Cashless Poland Program can be joined by entrepreneurs who did not have a payment terminal
(contract with an acquirer) in the last 12 months.
What is the
“Cashless Poland” Cashless Payment Support Program?
It is a joint initiative of the payment services market participants — the Polish Bank
Association, acquirers, banks, the Ministry of Finance, and Visa and Mastercard payment
The goal of the Program is to release entrepreneurs from the costs of payment terminal
installation and use for the first 12 months from the installation or until a turnover of PLN
100,000 is reached.
Acquirer — service provider participating in the Cashless Poland Program who offers
entrepreneurs services related to accepting card payments (checking and settling transactions,
providing payment terminals).
Merchant — entrepreneur who has already installed a cashless payment terminal at their
retail or service outlet.