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When you make a Pay Later purchase, your available spending limit must be enough to cover the full purchase value.

The first instalment (one-third of the purchase value) is charged from your PLN account at the moment of purchase.

If you don't have enough money in your account, you'll be asked to top up your account, or to pay in full. If your Pay Later spending limit is insufficient, you'll first need to repay any existing plans to free up more of your spending limit.

A Pay Later purchase can't be made for an amount less than 10zł. Transactions below this amount will be charged to your current Pocket as normal card payment transactions.

Applications for Pay Later are currently paused in Poland.