Online payments and subscriptions
Payments go through the first time. Fraud gets blocked automatically. Subscriptions renew themselves.
The customer pays the first time, by card, BLIK or bank transfer. Money and order status land automatically where your team already looks. No more manual checks of who has paid.
- Highest security standard
- Card data never touches your systems
- Card, BLIK, bank transfer and mobile payment
- Automatic retry for failed payments
- Invoices issued automatically
Where money leaks from checkout
Three places where a customer with card in hand gives up or recurring revenue quietly drops.
- 01
Checkout loses 30% of customers at the final step
A slow form, no one-tap mobile payment, clunky bank confirmation and no retry after a temporary decline. A customer with card in hand gives up because the process takes 2 minutes instead of 8 seconds.
- 02
Fraud eats margin and puts your account at risk
Stolen cards, chargebacks and honest customers rejected by mistake. Without AI-assisted risk scoring, you are running on 2015 rules: either letting fraud through or blocking real buyers.
- 03
Subscriptions leak revenue through failed payments
The card expired, funds were missing or the bank declined the payment. The customer does not know, you do not know, and revenue quietly drops. Without reminders, payment retries and automated emails, part of your revenue disappears every month.
Your receipt: what you actually get
Four things that make payments go through, fraud attempts bounce off and subscriptions keep renewing.
Payment in 8 seconds, on every device
One-tap mobile payment, card, BLIK or fast bank transfer. One click, one screen, zero page reloads. We measure which step customers abandon and improve checkout completion on data.
AI-assisted risk scoring blocks fraud and lets customers through
Automatic protection plus rules tailored to your business. Every transaction receives a risk score. High-risk payments go to extra bank confirmation or manual review, low-risk ones pass without friction. Fewer chargebacks, fewer false declines.
Subscriptions, trials, 6 and 12 month plans, however you want
Trials, monthly subscriptions, 6 and 12-month plans, one-time purchases and many options. Payments can support many models, and we build the system around yours. Smart retries, automatic card updates after bank replacement, Polish and English email reminders and a panel where customers manage payments themselves.
Multiple currencies, money splitting and VAT invoices on demand
You sell in 15 currencies, and customers pay in theirs. Running a multi-vendor platform? Money is split automatically between the platform and the provider. VAT invoices are generated automatically under Polish requirements, connected to your invoicing system or built custom.
- Payment in secondsby phone, BLIK or card
- Triale i subskrypcjealso yearly and 6 month plans
- Fraud protectionsuspicious payments blocked automatically
- Failed payment retriesrevenue comes back
- Invoices and settlementsissued automatically
Trials, monthly subscriptions, 6 and 12 month plans, one-time purchases and packages. There are many options, and payments can support a lot. We will build a system fully tailored to your model.
Numbers before and after implementation
The same three metrics before we clean up payments and after checkout starts working for you.
How we implement it, step by step
A gradual switch with no sales interruption. First we map where you are losing money, then we fix it.
- 01
Audit of the current payment path
Week 1We inspect how many customers reach each stage, why payments are declined, how many are charged back and how much revenue you lose to failed payments. We map exactly where money is leaking.
- 02
Payment and fraud protection implementation
Weeks 2-3Payment form, event-driven system behavior, protection rules tailored to your business, bank authentication and multi-currency sales. We test in sandbox mode across scenarios: decline, fraud, refund and chargeback.
- 03
Subscription management and reminders
Weeks 4-5Recurring billing, smart retries, reminder email sequences and a customer portal for subscription self-service. VAT invoices, accounting reports and exports to invoicing and accounting systems.
- 04
Rollout, monitoring and optimization
Months 2-6Gradual rollout (10% traffic, then 50%, then 100%). A dashboard shows completed payments at each step, decline reasons and recovered revenue. Every month, we report and tune protection rules to your patterns.
Which model we tailor it to
We shape it differently for subscriptions, for a multi-vendor platform and for a multi-currency store. We tailor the setup to your case.
Revenue that stops leaking
Recurring payments with trials, prorations on plan changes, smart retries after failed payments and automatic card updates after bank replacement. Customer portal: users change plans, cancel and download invoices themselves. Failed-payment recovery around 70%, technical churn close to zero.
Automatic money splitting for providers
The customer pays the full amount, the platform takes its commission and the provider receives the rest directly. Seller onboarding includes identity and document verification. Payouts run daily or weekly, with invoices and tax reports ready immediately.
Sales in 15 currencies without accounting pain
A customer in the UK sees pounds, one in Germany sees euros, one in Poland sees zloty. Real exchange rates, no mental conversion. Under the hood: multi-currency handling, automatic EU VAT settlement and invoices in the customer's currency plus PLN for accounting. Zero manual bookkeeping.
Frequently asked questions
By default we use Stripe because it has strong fraud protection, one-tap phone payments, subscriptions and global reach. But any other payment operator is fine too, domestic options like BLIK, fast bank transfers and Polish gateways, or international ones. We choose what actually fits your business, not our habits.
The payment operator has the highest level of card security. Card numbers never touch your server, they go only to the operator. Data-protection compliance is complete, with a data processing agreement signed. Your responsibility is minimal.
Usually about 1-2 weeks. We connect the payment form, system reactions to events, fraud protection and test scenarios such as decline, fraud, refund and chargeback. More complex models, subscriptions, split payouts and multiple currencies, take a bit longer, but the foundation is quick.
We support money splitting between platform and providers, holding funds until a condition is met and seller verification. We recommend the right path and implement it with full end-to-end testing.
Let's see where payments are costing you money
Free 30 minutes: we show the specific places where money leaks and what can be recovered. No commitment.