About Przelewy24

Przelewy24 is a real-time bank transfer, offline or pre-payment payment method.

Shoppers based in Poland can use it to transfer funds directly to merchants from their bank accounts.

For integration advice, please visit Worldpay developers.

The following payment options are available to the shopper once they redirect to the Przelewy24 payment page:

Options	Notes	Authorisation
1. Online real-time bank transfer	The shopper selects their bank from a list of banks displayed. The shopper confirms payment and bank transfer instructions to action a bank transfer, they can also print out the bank transfer details. The shopper re-directs to their banks login page and logs in. They check that the bank transfer information matches that shown on the Przelewy24 payment page, and submits their payment. Payment is authorised in real-time, the shopper should return on the merchants supplied ‘successURL’.	Real time
2. Online delayed bank transfer	The shopper selects their bank from a list of three banks displayed. The shopper confirms payment and bank transfer instructions to action a bank transfer, they can also print out the bank transfer details. The shopper re-directs to their banks login page and logs in. They check that the bank transfer information matches that shown on the Przelewy24 payment page, and submits their payment. Delayed authorisation, the shopper should return on the merchants supplied ‘pendingURL’.	Offline
3. Offline bank transfer	The shopper selects ‘Traditional transfer/payment order’ option. The shopper prints out the bank transfer instructions from a list of local Przelewy24 banks. They either take this to their bank or logs into their online bank account and manually enters the bank transfer details to make the payment. The shopper must pay the exact amount of the order, otherwise the transaction will not be authorised. Once the shopper has made payment for the exact amount there will be a delayed authorisation. The shopper does not return on any of the merchants supplied result URLs.	Offline
4. Pre-Payment	Any under or over payment using option 3 will be classed as a pre-payment. Przelewy24 will send the shopper an email with a link along with a ‘transaction number’ and ‘password’, to make a correction to their under or over payment for the original order. The shopper selects on the link and corrects the payment amount to match that of the original order amount. They submit their payment. Authorisation will then be received for the original order. This pre-payment can also be used at a later date to pay for another order, only if the shopper chooses not to pay via the link provided to them in the email. For the shopper to use the pre-payment for another order, the shopper selects the Przelewy24 payment method and chooses ‘Use the prepayment’ option, from the Przelewy24 payment page. The shopper enters the ‘transaction number’ and ‘password’ sent to them in an email, to complete the payment. The payment of the order must match exactly the pre-payment amount for the transaction to be authorised. The payment may be authorised in real-time, the shopper will return on either the merchants supplied ‘successURL’ or ‘pendingURL’.	Offline
All the above options (1 to 4 inclusive) are removable.

Shopper journey overview

To use this method to make a real-time bank transfer payment:

1. On the payment page, the shopper selects the Przelewy24 payment method.

   The system automatically redirects the shopper to the Przelewy24 website.

2. On the Przelewy24 website, the shopper chooses their bank from the list of banks on the screen.

3. The shopper can print out the bank transfer instructions for reference.

   The shopper checks the payment details and selects the option to re-direct to their bank.

4. The shopper logs into their bank account and checks that the payment/recipient details match the one shown to them on the Przelewy24 website, and submits their payment.

Note:  The screenshots below are provided for guidance purposes only and are correct as of August 2013.  Przelewy24 may from time to time vary the wording and layout of the payment screens.

Przelewy24 Payment Page - Choose the bank/payment option

The banks highlighted in the orange boxes above are online banks, but the payment is not made in real-time.

Przelewy24 Payment Page - Confirm payment details/print out instructions

Przelewy24 Payment Page - After the shopper selects Transfer Parameters to print out bank transfer instructions

Shopper's Bank Login Page - Different for each bank

Shopper's Bank's Payment Details Page - Different for each bank

Shopper's Bank's Payment Confirmation page - Different for each bank

Integration considerations

It is important that merchants consider the following information when integrating with Przelewy24, in addition to the general integration recommendations provided in the Overview of Alternative Payment Methods section and XML Direct and Redirect Integration Models topic.

Payment options

Remember that Przelewy24 offer several payment options on their payment page. Merchants must decide if these payment options are suitable for any of the goods or services that they provide.

If merchants keep the offline bank transfer option, we recommend that merchants advise their shoppers to make the exact payment for the order. An exact payment amount prevents problems with transaction completion.

Time out

The shopper has 15 minutes to complete their payment from the moment they land on the Przelewy24 payment page. This 15 minutes includes the time to choose their bank and re-directing to their bank to complete the payment.

For the offline payment option the shopper has 15 minutes to choose the offline option on the Przelewy24 payment page and print out the bank transfer instructions.

We advise merchants to inform their shoppers to make the payment immediately; quick payment avoids any problems with time-out values.

Recipient

We recommend that merchants make their shoppers aware that:

• DialCom24 Sp. z o.o. appears as the payment recipient on the Przelewy24 payment pages, this is because the shopper pays into a Przelewy24 bank account.

• DIALCOM24 SP. Z O.O. appears as the payment recipient on the shopper’s bank account statement.

• DIALCOM24 SP. Z O.O. appears as the payer for refunds on the shopper’s bank account statement.

Making shoppers aware of the recipient’s name may reduce shopper abandonment, shopper queries and disputes.

Payment traceability

At present, Przelewy24 shows only its own transaction number to the shopper on its payment pages, this transaction number also appears on the shopper’s bank account statement.

Przelewy24’s transaction number does not appear in the merchant interface or in Worldpay’s back office system.

Therefore we recommend that merchants inform shoppers of the merchant’s order code, and ask their shoppers to save this code before they leave the merchants site. This is in case the shopper has any queries regarding the order at a later date. The order code can also be displayed once the shopper returns to the merchant’s site on any of the result URL’s, or in any email notifications.

A setting on the Merchant’s Worldpay account can enable Worldpay to email the shopper the order code once the payment has either been successfully authorised or refused.

Payment method properties

Property	Description/ Value
Payment Type	Real-time bank transfer, offline bank transfer, pre-payment
Countries	Poland
Acceptance Currencies	PLN
Settlement to Worldpay Currency	PLN
Minimum Amount for a Single Transaction	1 PLN
Maximum Amount for a Single Transaction (Individual banks may also impose their own limits)	50,000 PLN
Direct Refunds (Yes/No)	Yes See the WPG Refunds Capability table for any limitations
Direct Refund Period	See the WPG Refunds Capability table for any limitations
Bank Transfer Refunds (Yes/No)	Yes. See the WPG Refunds Capability table for any limitations
Bank Transfer Refund Period	See the Refunding Alternative Payments Guide for any limitations
Chargebacks (Yes/No)	Yes
Payment Method Mask	PRZELEWY-SSL
Supported Languages	PL (Polish), DE (German), ES (Spanish), IT (Italian) There is also an option to switch to EN (English) on the Przelewy24 payment page.
Statement Narrative (Yes/No)	No
Dynamic Descriptor (Yes/No)	No
Payment Traceability	Przelewy24 only shows its own transaction number. This number does not show in the merchant interface or in WorldPay’s back office system. See the Integration Considerations section above for more details
Direct Model (Yes/No)	Yes
Redirect Model (Yes/No)	Yes
Sandbox (Yes/No)	Yes
Service Level	M-Level
Sector restrictions	Przelewy24 will not accept gambling merchants; however, other sectors are supported.

Payment timetable

The payment status changes according to the following timetable.