eRaty Overview

eService offers a wide range of solutions for accepting cashless payments. Below is an overview of the Polish payment method eRaty.

eRaty is a Buy Now Pay Later (BNPL) payment method based in Poland. It is a type of installment loan provided by the largest Polish bank, PKO Bank Polski (PKO BP).

Your customer can choose to:

• purchase goods or services and split the payment into a fixed amount of either 3, 5, or 10 installments at 0% APR
• pay in a number (between 3 and 36) of installments at non-0% APR
• defer full payment until a later date

Minimum transaction value: 300 PLN.
Maximum transaction value: 30,000 PLN.

While the initialization of the service occurs on your side, PKO BP performs the rest of the process, using the hosted bank form. This includes customer data gathering, credit scoring, and identity verification.

eRaty is integrated into online checkouts, streamlining the purchasing process for your customer. We display eRaty as a payment option alongside other payment methods such as cards, PayPal or any other local payment methods.

eRaty presents the fees upfront, which makes it easier for your customer to understand the full cost of their purchase. The PKO BP form displays the remaining terms and conditions.

You can integrate eRaty using our no-code plugins.

Alternatively, you can integrate directly, following our eRaty guide.

eRaty payment activity is available via our Settlement APIs and transaction status GET requests.