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Learn more about PayU and its payment workflow.

PayU is an online bank transfer. It is one of the most popular payment methods amongst Polish consumers. Offering real-time bank transfer payments, PayU allows consumers to make payments for e-commerce purchases directly from their bank account. The consumer selects their preferred online bank and logs into their account to confirm the payment.

Supported banks in Poland include Alior Bank, Banki Spółdzielcze, BNP Paribas, BOŚ Bank, Citibank, Credit Agricole, Getin Bank, Idea Bank, ING, Inteligo, iPKO, mbank, Millennium Bank, Nest Bank, Noble Bank, Bank Nowy BFG S.A, Bank Pekao, Plus Bank, Santander Bank Polska and in Czech Republic include Česká Spořitelna, Komerční bank, Raiffeisen bank, Moneta Money bank, and Fio Bank, mBank.

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Poland, Czech RepublicPLN


  • Payment security: The customer authenticates on their bank site, so there is no confidential data shared between the merchant and the customer.
  • Increased customer confidence: The customer does not need to go to any unknown portal to make the payment and hence the possibility for a successful transaction is higher.
  • Supported by all banks in Poland and Czech republic

Payment workflow

The following diagram explains workflow for PayU payments.

PayU workflow

Step 1: Create a payu payment type resource and get the ID of the resource back.

Step 2: Create a charge with create/v1/payment/charges and receive back a pending transaction with a redirect URL for the customer.

Step 3: Now forward the end customer to the PayU checkout page.

Step 4: On the checkout page of PayU, the customer selects the bank for making the payment (bank transfer). After a successful selection, the payment has to be confirmed before the customer gets redirected to the merchant shop.

Step 5: After the return to the merchant’s shop, fetch the latest transaction information from the payment API.

Integration options

Use pre-built, configurable all-in-one pages with your own mix of payment methods

Use pre-built forms and quickly integrate with minimum work on the client side

Integrate with Unzer using your own payment form