PayPo

PayPo is the leading Buy Now Pay Later (BNPL) provider in Poland and Romania. Founded in 2016 and headquartered in Poland, PayPo established a local entity in Romania in 2022 to support its regional expansion. Through its partnership with Antom, PayPo offers flexible payment options, including "Pay in 30 days" The company collaborates with over 60,000 merchants across both markets and holds a BNPL market share exceeding 70% in Poland.

Properties

The following table lists the product properties supported by PayPo:
[1] Amount limit is for "Pay in 30 days" only.

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.
When buyers are redirected to the PayPo page and enter the email, PayPo checks whether they are a new or returning buyer.
The following figures show the journey of new buyers using PayPo for payment:
Web
App
WAP
  1. The buyer selects PayPo to pay.
  2. The buyer is redirected to the PayPo page and enters the email address.
  3. The buyer enters the mobile number and receives a verification code via SMS.
  4. The buyer fills in the personal data and verification code.
  5. PayPo evaluates the buyer's payment capability.
  6. The buyer receives the transaction confirmation via email.
  7. The buyer is redirected back to the merchant result page.
Notes:
  • Optimized flow for the returning buyer: Upon identifying a returning buyer, the "Email Entry," "Phone Number Entry," and "Personal Information Entry" pages are skipped automatically. The buyer only needs to complete SMS verification or select an account binding method, which significantly reduces the number of page redirections.
  • Importance of merchant-provided email: It is recommended that merchants provide the buyer's email address when initiating the payment. This allows new buyers to bypass the email entry step on the PayPo page, reducing page redirections.

Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method: