Solutions for your business
Sales equipment without a large upfront cost.
Finance a fiscal cash register or printer, POS system or sales software with a PolCard microloan.
Amount
up to PLN 12,000
repaid from terminal turnover
Repayment period
up to 120 days
first repayment after 14 days
Minimum paperwork
online
application and decision without own contribution
Not only for start-ups
for growing businesses
also when switching operator to Fiserv
A microloan for a fiscal cash register and sales system — up to PLN 12,000
A new cash register, POS computer or sales software is an expense incurred before the equipment starts earning for your company. The PolCard microloan spreads this cost over 120 days. Repayment is collected automatically from card payments accepted through the terminal. You know the full cost before signing: 12.9% of the borrowed amount.
How much does it cost?
| Loan amount | 12.9% fee | Total repayment | Daily average* |
|---|---|---|---|
| PLN 3,000 | PLN 387 | PLN 3,387 | approx. PLN 28 |
| PLN 6,000 | PLN 774 | PLN 6,774 | approx. PLN 56 |
| PLN 12,000 | PLN 1,548 | PLN 13,548 | approx. PLN 113 |
* Indicative value — the total amount divided by 120 days. The loan agreement defines how repayments are collected.
How repayment works
The loan is linked to a PolCard payment terminal. Repayments are settled from the terminal’s daily turnover, so you do not make transfers or track instalment dates. The first collection takes place 14 days after signing the agreement and activating the financing.
You have two weeks to install the equipment and begin selling before repayment starts. Repayment comes from transactions handled by the new system, so the company finances the purchase from current turnover without setting aside a large amount upfront. PolCard from Fiserv has operated in Poland for over 30 years.
PolCard from Fiserv
Check whether the microloan fits your business
What you can finance
You can use the funds to purchase and implement a sales solution:
- a fiscal cash register or fiscal printer
- a computer or POS terminal
- sales and inventory software
- peripherals — barcode scanner, scale, cash drawer or receipt printer
- a complete system made up of several connected devices
You can finance one device or an entire point of sale — up to a total of PLN 12,000.
Terms at a glance
- Amount: up to PLN 12,000
- Repayment period: 120 days
- Fee: 12.9% of the loan amount
- First collection: 14 days after financing starts
- Repayment: automatically from PolCard terminal turnover
- Verification: company check in the KRD and KRZ registers
The parameters are the same regardless of the selected equipment and financing amount.
Who can apply
Entrepreneurs opening or modernising a point of sale and signing a PolCard terminal agreement. The loan is available to Polish citizens and foreign nationals running a business in Poland who hold a valid residence card.
Documents
- loan agreement
- payment terminal agreement
- proof of home address issued no more than 3 months before submission
- copy of the invoice for the fiscal cash register or sales system
- handover protocol for the fiscal cash register or sales system
We prepare the invoice and handover protocol for you.
How it works
- 1Together we select a cash register, POS system or set of devices.
- 2We determine the financing amount — up to PLN 12,000.
- 3You sign the payment terminal and loan agreements.
- 4PolCard verifies the company in KRD and KRZ while we complete the documents.
- 5Once financing is activated, we deliver and install the equipment.
- 6After 14 days, automatic repayment from terminal turnover begins.
Relief for your first fiscal cash register — up to PLN 700
If this is your first fiscal cash register or printer, you may recover 90% of its price, up to PLN 700. The refund is made through a VAT deduction or a tax-office transfer, provided the statutory requirements are met, including notifying the tax office before recording sales begins. We will explain the required steps.
Fiskasy.pl support
We help select equipment for your business, prepare the documents, guide you through activating the loan and install the devices. We also provide technical service after implementation.
Frequently asked questions
Do I need to remember repayment dates?
No. Repayments are collected automatically from terminal turnover.
Can I borrow less than PLN 12,000?
Yes. We match the amount to the purchase value — PLN 12,000 is the upper limit.
What if I have no card payments on a given day?
If there is no terminal turnover on a given day, there are no funds from which to collect repayment. This does not cancel the repayment obligation; the loan agreement defines the exact settlement and subsequent schedule.
Can I repay the loan early?
The loan agreement defines whether and how early repayment is possible. Before signing, we will confirm with PolCard/Fiserv which terms apply to your case.
Who provides the loan?
The lender is Fiserv Polska S.A. ESC SA acts as an intermediary in the equipment purchase and document preparation.
Let’s discuss financing
Check whether the microloan fits your business
Call us or leave your number. We will call back, select the equipment and explain the terms with no obligation.
The information on this page is for information purposes only and does not constitute an offer within the meaning of Article 66 of the Polish Civil Code. Detailed terms are set out in the loan agreement.