What?
Modern online payment systems are becoming a key element of the shopping experience in the digital world. In 2025, customers will still choose solutions that provide speed, convenience, and security – led by BLIK, cash on delivery, and online transfers.
Why?
Choosing the right payment methods directly impacts conversion rates, customer loyalty, and reducing cart abandonment. Online stores must consider customer preferences and provide them with real choices to remain competitive in the marketplace.
Who is it for?
For online store owners, development managers, marketers, and anyone responsible for payments strategy in the digital world.
Background:
The online payments market is developing dynamically, keeping pace with rising user expectations and rapid technological advancements. Customers are increasingly eager to use fast, mobile, and automated payment methods such as BLIK, digital wallets, and deferred payments. Adapting online store offerings to these trends not only increases sales but also strengthens customer trust and satisfaction. This article analyzes which payment systems will dominate 2025 and how digital companies should respond to these changes.
Modern online payment systems – what will customers choose in 2025?
Modern online payment systems are becoming a key element of the shopping experience in the digital world.
What will customers choose in 2025? In 2025, customers will still most often choose BLIK as their preferred payment method, due to its speed, convenience, and lack of the need to provide card details (simplicity, ease, speed). Cash on delivery , especially popular among those who value transaction security (100% transaction security). Fast online transfers Deferred payments , such as PayPo are also gaining popularity, allowing customers to flexibly manage their budgets (here, postponing payments to "after payday" is particularly popular).
Why is this important? Choosing the right payment methods influences sales conversion, reduces cart abandonment, and builds customer trust in your online store. It's crucial that your online store not only offers popular payment methods but also offers customers a choice.
Who is this article for? For online store owners and business development specialists who want to keep up with the dynamic changes in the digital world and adapt their stores to the expectations of modern consumers.
How is the online payments market changing?
The online payments market is evolving towards greater personalization and automation. We're seeing the growing dominance of BLIK , which, thanks to its simplicity and availability on most mobile devices, has become the preferred payment method in Poland. Cash on delivery remains popular, especially in the higher-value shopping sector, where customers prefer to collect their goods before making payment.
At the same time, the importance of instant payments , which allow funds to be transferred in real time, regardless of the time or day of the week, is growing. Fast online transfers remain an indispensable element of the payments landscape, especially among those who value immediate transaction confirmation. Furthermore, the dynamic growth in popularity of deferred payments stems from the need for financial flexibility – more and more consumers are taking advantage of the option to pay later, which increases the value of their shopping carts.
In Scandinavian countries and Asia, this trend has already become standard, and in 2025 it is predicted that similar solutions will dominate in other regions of Europe, including Poland.
It should be added that the popularity of payments using the so-called Apple and Google "wallets" will also naturally grow, due to the growing share of the mobile channel in the overall statistics (traffic, conversions generated using smartphones).
The benefits of modern payment systems for the digital world
Modern payment systems bring a number of benefits to both customers and online store owners:
- Convenience and speed of transactions – one-click payments shorten the time it takes to finalize purchases, which reduces the number of abandoned carts.
- Security – advanced encryption technologies, two-step verification and biometrics effectively protect user data from cyber threats.
- Increased conversion – Flexible payment methods like BNPL encourage customers to make larger purchases, increasing their average basket value.
- Adapting to the needs of global customers – support for multiple currencies and payment methods supports international expansion, enabling sales in foreign markets.
- Better data analysis – integration with CRM systems enables monitoring of purchasing behavior, which allows for the personalization of offers and a better understanding of customer needs.
- Increasing customer loyalty – offering customers their preferred payment methods influences their satisfaction and willingness to return to the store.
How to adapt your online store to new trends?
To keep up with the dynamic changes in the digital world, it is worth implementing several key solutions:
- Integration with popular payment systems – choose providers that offer a variety of payment methods, including mobile wallets and instant payments.
- Mobile payment optimization – adapt your website to smartphone and tablet users, ensuring fast loading and an intuitive interface.
- Data security – use SSL certificates, regularly update software and implement advanced authentication mechanisms.
- Implementing deferred payment systems – enable customers to pay in installments at no additional cost, which increases their financial flexibility.
- Analyze customer preferences – regularly monitor which payment methods are most popular and adapt your offering to changing market needs.
- Collaboration with fintechs – consider integrating with innovative fintech solutions that can offer new sales support features.
- “Last but not least: give your customer payment choices.
What technologies will dominate payments in the future?
The future of online payments lies in the continued development of solutions based on artificial intelligence, biometrics, and blockchain. We can expect greater integration with IoT technologies, which will enable even more automated and transparent payments. The expansion of voice payments and the development of digital wallets will only accelerate these changes.
Additionally, the development of biometric payment technologies (e.g., face scanning, fingerprints) will make the payment process even more secure and convenient. The role of central bank digital currencies , potentially becoming the standard in many countries, offering new opportunities for online commerce.
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Marcin Stadnik
e-commerce advisor
The author is a manager with extensive experience in e-commerce, sales strategy, and content marketing. He is a digital practitioner and consultant with over 15 years of experience in e-commerce projects, sales strategy, and online business development, as well as 25 years of experience in broadly defined distribution (offline and online). He specializes in creating and implementing effective solutions for online stores, supporting companies in developing their digital presence. He co-creates appropriate strategies for e-businesses, conducts audits, and oversees marketing activities—always combining analytical knowledge with market practice. He is the author and co-author of content published on the swiatcyfrowy.pl website—based on his many years of consulting, analytical, and operational experience. The materials created are intended to provide reliable, valuable knowledge that truly supports the development of online businesses. The content here is designed to address the real challenges and needs of companies operating in the e-commerce environment (the digital world).
