The entrepreneur has not accepted cashless payments in the last 12 months (he did not have a contract with an acquirer).
The entrepreneur undertakes not to use surcharge (additional fees from customers paying with cards).
The entrepreneur undertakes to label his retail outlet with stickers with The logo of payment organizations and the Polska Bezgotówkowa logo.
An entrepreneur may join the Program only once during its duration.
From May 1, 2020, the Cashless Poland Program has been extended to the vending equipment sector. The co-financing covers the use of the device, without the cost of transaction commission.
From May 1, 2020, the restrictions on participation in the Cashless Poland Program were lifted for entities that operate under franchises and service and commercial networks with more than 5 points.
Partners of acquirers that offer entrepreneurs participation in the Program
Does the 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 42,000 over 5 months. When the turnover exceeds this amount, the entrepreneur will be charged in accordance with the contract with the acquirer.
With whom 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.
What terms and conditions will apply after the 5 free months?
Each institution participating in the Cashless Poland Program may offer different terms and conditions after 5 free months.
For details of cooperation, the entrepreneur should contact the acquirer or bank of their choice.
How many 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 5 months is counted from the installation.
Only entrepreneurs in the passenger transport sector can receive 20 payment terminals.
What are the benefits for the entrepreneur?
Within the Cashless Poland Program the entrepreneur does not bear costs related to the installation of payment terminal for 5 months and cashless payments handling for 5 months or until a turnover of PLN 42,000 is reached.
What 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 organizations.
The goal of the Program is to release entrepreneurs from the costs of payment terminal installation and use for the first 5 months from the installation or until a turnover of PLN 42,000 is reached.
Key terms
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.
Entrepreneurs who would like to obtain a payment terminal within the Cashless Poland Program should contact the acquirer of their choice. A list of acquirers is available at https://polskabezgotowkowa.pl/#wybierz-agenta.
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