Neobanks

Neobank · PL

PayPo

Warsaw, Poland · paypo.pl

PayPo is Poland's leading BNPL service, letting shoppers defer online payments by 30 days at no cost, available at thousands of Polish e-commerce stores.

✦ Sentiment OverviewUpdated weekly · Jul 17, 2026

PayPo maintains solid ground with a 3.9/5 customer rating across nearly 500 reviews and a 77/100 sentiment index, essentially flat week-over-week. Recent coverage is uniformly positive, centring on product expansion—higher purchase limits, card convenience improvements, and regional partnership moves into Romania. The steady headline momentum contrasts slightly with the modest review score, suggesting media enthusiasm for roadmap execution hasn't yet fully translated to broader customer satisfaction.

Sentiment index

our score · updated weekly
77.0/100
0 vs last week
Reviews · 28,498 ratings77
News
Mentions

Where PayPo operates

1 markets
Poland

Ratings across platforms

3.9 avg · 498 ratings · 2 platforms
Trustpilot
3.8
489 ratings · 71% positive
App Store
4.0
9 ratings · 78% positive

Rating distribution

Trustpilot · App Store
5
69% · 345
4
2% · 10
3
2% · 8
2
1% · 5
1
26% · 130

Company responsiveness

97%
Replies to reviews
~2 days
Typical reply time

In the media

brand coverage
mamstartup.pl

Nad Dunajem rośnie fala cyfrowych płatności: PayU i PayPo wspólnie w Rumunii

mamstartup.pl · 9mo ago

PayU oraz PayPo ogłaszają rozpoczęcie współpracy na rynku rumuńskim. W ramach partnerstwa PayU włącza do swojej oferty rozwiązanie BNPL od...

www.telepolis.pl

PayPo zmienia zasady. Korzystanie z karty jest teraz wygodniejsze

www.telepolis.pl · 17mo ago

Płatności odroczone (BNPL) stają się coraz bardziej popularnym sposobem finansowania codziennych wydatków. PayPo wychodzi naprzeciw...

www.cashless.pl

PayPo zaprosił klientów do testowania nowych kart. Wkrótce ma ruszyć pilotaż

www.cashless.pl · 24mo ago

Polski fintech PayPo za chwilę rozpocznie testy swojej nowej karty płatniczej.

fintek.pl

Fintech PayPo zwiększa limit zakupowy do 5 tys. PLN

fintek.pl · 29mo ago

PayPo zwiększa limit zakupowy do 5 tys. PLN. Od teraz maksymalny limit zakupowy na transakcje z PayPo będzie wynosił 5 tys. zł. Otrzymają go...

fintek.pl

Tpay nawiązuje współpracę z PayPo. Fintech rozszerza ofertę płatności odroczonych

fintek.pl · 34mo ago

Dzięki nawiązaniu partnerstwa z PayPo, fintech Tpay rozszerzył ofertę płatności odroczonych dla współpracujących z nim sklepów internetowych...

Latest from social

LinkedIn & Facebook

What people are saying

Sample
Tomasz Wójcik@tomaszwjcikX· 2d ago

If you're comparing neobanks in 2026, PayPo keeps coming up in every conversation I have.

Daniel Kim@danielkimX· 6d ago

Been using PayPo for 6 months now — the app just works. Transfers land instantly and support actually replies.

Nora LindqvistFacebook· 1w ago

PayPo's customer service left me hanging on a frozen account. Not a great look.

Tomasz Wójcik@tomaszwjcikX· 1w ago

Been using PayPo for 6 months now — the app just works. Transfers land instantly and support actually replies.

Sam OkoroFacebook· 2w ago

Great thread on how PayPo is rethinking cross-border payments. Worth a read for anyone in fintech.

Company

HeadquartersWarsaw, Poland
Available in1 market

About PayPo

PayPo was founded in 2018 and is Poland's most popular buy now pay later solution. It allows shoppers to defer payment by 30 days for free. If not repaid within 30 days, instalments are available at interest. PayPo is integrated with major Polish e-commerce platforms including Allegro, Ceneo partner stores, and thousands of independent shops.

Frequently asked questions

How does PayPo work?

PayPo lets you buy online and delay the payment by up to 30 days for free. At checkout, select PayPo, complete a quick verification, and pay nothing now. You receive an invoice and have 30 days to repay.

Is PayPo free?

Deferring payment by 30 days is completely free with no interest or hidden fees. If you choose to repay in instalments after the 30-day period, interest charges apply.

Which stores accept PayPo?

PayPo is available at thousands of Polish online stores including categories like electronics, fashion, home, and health. A full list is available on the PayPo website and app.

Is PayPo available outside Poland?

PayPo primarily serves the Polish market. It has tested operations in Czech Republic but remains focused on Poland as of 2024.

Ratings & sentiment aggregated from Trustpilot, Google Play and App Store — anonymised store metrics only, no individual reviews.