Provider & methodATM, Bank TransferListed Mar 2026mbank.plWebsite
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mBank

mBank is a leading Polish digital bank that offers a wide range of payment solutions, including credit and debit cards, bank transfers, and online banking services.

mBank is a leading Polish digital bank that offers a wide range of payment solutions, including credit and debit cards, bank transfers, and online banking services. As a PSP, mBank enables secure payment processing for businesses and consumers, supporting both local and international transactions. mBank’s platform is designed to integrate seamlessly with e-commerce systems, making it ideal for merchants seeking efficient payment solutions in Poland and across Europe. It is trusted for its high-security measures and fast transaction speeds.

1

payment methods

mBank
3

markets

Czech RepublicCZPolandPLSlovakiaSK
5

currencies

CZKEURGBPPLNUSD
5

sectors served

CosmeticseCommerceFood & DrinkHealthcareSaaS
1

built on

APAPI
2

providers who accept it

NuveiOrca

What mBank costs

mBank quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.

What the last check found

mBank S.A. is a Polish universal bank at ul. Prosta 18, Warsaw, listed on the WSE as MBK with Commerzbank as majority shareholder. It is not a PSP, and there is no name collision to worry about here: mbank.pl's llms.txt explicitly scopes the mBank name to mBank S.A. operating in Poland, Czechia and Slovakia, and the CZ/SK sites carry that same entity's branch registrations.

Two distinct things sit behind this listing. First, mTransfer, the bank's own pay-by-link button, labelled "platební tlačítko" / "platobné tlačidlo" on the Czech and Slovak sites. A merchant with an mBank business account activates it in internet banking and integrates it directly: a form POST of base64-encoded JSON (ServiceId, Amount, Description, Properties, TransactionDate) to https://mtransfer.mbank.pl/api/mtransfer/initialize, signed RSA-SHA256 in OpenPGP ASCII armor, with an asynchronous JSON callback ("NPM") carrying PaymentStatus Succeeded/Failed. Two things stand out: there is no currency field anywhere in the spec — the amount is implicitly the merchant account's currency — and the signing public key is registered by emailing a named mBank employee ([email protected]), with a cap of three certificates per ServiceId.

Second, Paynow (docs.paynow.pl, footer "Paynow by mElements S.A.", part of mBank Group): a conventional gateway with REST v1/v3, method types APPLE_PAY, BLIK, CARD, ECOMMERCE, GOOGLE_PAY, PAYPO, PBL, payment links, card tokenization, marketplace boarding and multipayouts, plus WooCommerce, PrestaShop, Magento 2, Shopify and other plugins. Self-onboarding runs from mBank online banking; Apple Pay and PayPo require moving the contract from mBank to mElements.

Where it is silent: no acceptance-country list anywhere, and no currency for the CZ/SK mTransfer rails. Notably, the Polish site publishes no mTransfer merchant documentation at all — only account terms — and its business mTransfer page points the reader at PayU; the technical PDFs exist only on mbank.cz and mbank.sk.

Checked against mBank’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.

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Sources · 22

  1. Nuvei — APMs per currency and country (January 2026) · docs.nuvei.comcountriescurrenciesmethodscapabilitiesUsed for countries, currencies and whether the method supports deposits, refunds and withdrawals for mBank, as Nuvei documents itChecked 20 October 2026
  2. mBank S.A. — llms.txt (machine-readable site index) · mbank.plcountriesthe companyUsed for Identity and home country: Polish bank, Warsaw, KRS 0000025237, WSE ticker MBK, Commerzbank majority shareholder. The explicit scope statement that the mBank name here means mBank S.A. operating in Poland, Czechia and Slovakia (basis for countries PL/CZ/SK). Also lists Paynow and payment terminals in the business offer.Checked 20 October 2026
  3. Paynow — system płatności online (mBank business) · mbank.plcurrenciesmethodsintegrationsthe companyUsed for mBank's own statement of accepted currencies ("możesz przyjmować płatności w walutach: EUR, USD i GBP"); methods BLIK, card, online transfer, Apple Pay, Google Pay, PayPo; merchant self-activation from online banking; plugin list; the mBank-to-mElements contracting-entity change for Apple Pay and PayPo; existence of docs.paynow.pl.Checked 20 October 2026
  4. Paynow API v3 — create payment reference · docs.paynow.plcurrenciesintegrationsUsed for Currency enum [PLN, EUR, USD, GBP], default PLN, and the note that EUR/USD/GBP are card-only. Confirms a real public REST API (integrable_alone).Checked 20 October 2026
  5. Paynow API v3 — get payment methods · docs.paynow.plcurrenciesmethodsUsed for Payment method type enumeration APPLE_PAY, BLIK, CARD, ECOMMERCE, GOOGLE_PAY, PAYPO, PBL, and the currency query parameter values.Checked 20 October 2026
  6. Paynow developer documentation (home) · docs.paynow.plthe companyUsed for Operator attribution: "We are part of the mBank Group" and footer "Paynow by mElements S.A." — i.e. Paynow is run by an mBank Group company, not mBank S.A. directly.Checked 20 October 2026
  7. mTransfer for Czech businesses (mBank.cz) · mbank.czUsed for mTransfer described as mBank's own payment gateway for e-shops, activated in internet banking, with server transaction notifications and free merchant-customer payments; links to the technical documentation. Evidence for integrable_alone and for CZ coverage.Checked 20 October 2026
  8. mTransfer — Technická dokumentace pro externí partnery (PDF) · mbank.czcurrenciesintegrationsthe companyUsed for The integration spec: POST to https://mtransfer.mbank.pl/api/mtransfer/initialize, base64 JSON fields ServiceId/Amount/Description/Properties/TransactionDate, RSA-SHA256 OpenPGP ASCII-armor signature, public key registered by email to a named mBank address, max 3 certificates per ServiceId, certificate management in internet banking. Also the absence of any currency field. Also the Czech branch registration (mBank S.A., organizační složka, Prague 8, IČO 27943445).Checked 20 October 2026
  9. mTransfer — Okamžitá notifikace (NPM) documentation (PDF) · mbank.czUsed for The asynchronous merchant callback: POST JSON with TransferId, ServiceId, Properties, Amount, Description, TransactionDate, PaymentStatus (Succeeded/Failed), sent independently of the customer session.Checked 20 October 2026
  10. Platobná brána mTransfer (mBank.sk, business) · mbank.skUsed for Slovak coverage: mTransfer offered to Slovak e-shops as "Platobná brána mTransfer"; eligibility conditions (mBank client, active mKonto Biznis, active internet banking).Checked 20 October 2026
  11. mTransfer — Technická dokumentácia (Slovak, PDF) · mbank.skintegrationsUsed for Confirms the identical integration spec and endpoint is published for Slovakia, and the Slovak branch registration (mBank S.A., pobočka zahraničnej banky, Pribinova 10, Bratislava, IČO 36 819 638).Checked 20 October 2026
  12. Usługa mTransfer (mBank.pl, business section) · mbank.plintegrationsUsed for The Polish anomaly: this business-section page describes mTransfer from the buyer's side and names PayU as the acceptance route ("w dowolnym e-sklepie udostępniającym płatności kontem PayU"), giving no merchant onboarding or integration steps.Checked 20 October 2026
  13. mTransfer business documents (mBank.pl) · mbank.plintegrationsUsed for Evidence that the Polish site publishes only an account terms document for the mTransfer option, not technical/integration documentation — supporting "they do not publish it on the PL site" rather than "I could not find it".Checked 20 October 2026
  14. mBank.pl sitemap index (35 child sitemaps, 2,245 URLs crawled) · mbank.plmethodsUsed for Method check, not guessing: the full PL URL set contains only five mTransfer URLs (business service page, documents page, terms, consumer page, consumer FAQ) and no technical documentation, while mbank.cz and mbank.sk sitemaps do contain the mTransfer merchant docs. Also confirmed www.mbank.pl/llms.txt is a real 19.8 KB file.Checked 20 October 2026
  15. Paynow docs sitemap · docs.paynow.plcapabilitiesUsed for Enumerating the real documentation pages (v1 and v3 references, marketplace, multipayouts, card-tokenization, payment-links) instead of guessing paths. Note: www.paynow.pl/llms.txt returns HTTP 200 but is the SPA HTML fallback, not a real llms.txt.Checked 20 October 2026
  16. Przelewy24 — payment methods · przelewy24.plUsed for Third-party gateway corroboration that mBank is offered as a Polish pay-by-link bank: the bank appears under "Przelew online" via the asset .../metody-platnosci/banki/mbank.svg (logo only; the name is not in page text).Checked 20 October 2026
  17. mBank - Wikipedia · en.wikipedia.orgthe companyUsed for Ownership history used for the acquisition/rename check: BRE Bank renamed mBank in 2013, Commerzbank ~69% majority, Sept 2019 sale plan abandoned early 2020, no sale since; also lists mElements as a group subsidiary. Secondary source, cross-checked against mbank.pl/llms.txt which states the Commerzbank majority in the present tense.Checked 20 October 2026
  18. Paynow - bramka płatnicza dla e-commerce (mBank, MSP i korporacje) · mbank.plcountriescurrenciescapabilitiesintegrationsUsed for Page the researcher missed. Independent mBank-published confirmation of exactly the four recorded currencies: "Wypłaty możesz otrzymać w PLN, GBP, USD, EUR." Also states non-PLN payouts go to a matching mBank currency account without conversion ("Płatności walutowych nie przewalutowujemy"). Corroborates currencies from mBank's own site rather than only from the Paynow API reference. States no countries or markets.Checked 20 October 2026
  19. Ako prijímať platby prostredníctvom mTransferu? (mBank SK help) · mbank.skUsed for Closes the gap in the SK evidence chain: this is the page that actually links the Slovak technical documentation PDF ("Technická dokumentácia pre jednoduchú aktiváciu v internet bankingu a implementáciu na vašich stránkach" → /pdf-web/ine/mtransfer-technicka-dokumentacia.pdf), which is NOT listed in the SK sitemap. Confirms the SK merchant spec is genuinely published and not an orphan URL, so SK coverage stands despite the record's inaccurate sitemap claim.Checked 20 October 2026
  20. Przelewy24 payments | Stripe Documentation · docs.stripe.comcountriescurrenciesintegrationsUsed for Third-party gateway API-doc cross-check on over-claim. Stripe states the P24 pay-by-link route (through which mBank is reachable) is payer-side Poland only: "Customers in the following countries can use P24. EMEA: PL", "Customer location: PL", "Presentment currency: EUR, PLN". Adds no country and no currency beyond the record; confirms PL and shows no CZ/SK exposure via this route.Checked 20 October 2026
  21. Podmínky pro zakládání a vedení firemních účtů se službou mTransfer PRO (mBank CZ) · mbank.czcurrenciesmethodslicensinglimits & timingvolumesUsed for Evidence for why CZK cannot be sourced and was correctly omitted: the CZ mTransfer PRO terms defer currency to a list published elsewhere — accounts with the mTransfer service operate "v měnách, které mBank uveřejňuje na Internetových stránkách mBank" — rather than naming CZK. Confirms a Czech merchant-account product exists for mTransfer (mKonto Business se službou mTransfer) supporting CZ coverage. The only CZK/EUR figures in the document are an authorisation-limit default (0,- CZK) and the PSD2 50 EUR liability cap, neither a method currency.Checked 20 October 2026
  22. mBank PL child sitemap (firmy) — and the other 34 child sitemaps of sitemap.xml · mbank.plcountriesUsed for Corrects the record's methodology description: www.mbank.pl/sitemap.xml is an index of 35 child sitemaps containing no URLs itself. Walking the children (firmy, pomoc, indywidualny, msp-korporacje, business, help, o-nas, about-us, lp) yields exactly the 5 mTransfer URLs the record claims and no technical documentation, plus 3 Paynow URLs (one of which the record did not cite) and no supported-countries or coverage page. Verifies the record's conclusion while showing the stated basis was imprecise.Checked 20 October 2026

22 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with mBank before you sign anything. How we compile this · Suggest a correction ·