Physical or virtual card? Discover which payment method is safer, more convenient, and eco-friendly in 2025. Learn why virtual cards are the future of payments!

In Poland, the payment card market is experiencing dynamic growth, and the number of issued cards is steadily increasing year by year. Data from the past five years shows that Poles are using payment cards more and more frequently, which is the result of several key factors, including digitalization, changing consumer habits, and the development of payment technologies.

Among the various available payment methods, card payments stand out as the safest and most reliable option. In this article, we explain why card payments offer better fraud protection compared to bank transfers and mobile payment methods like BLIK, and how easy it is to recover funds in the case of fraud.

Nowadays, where cashless transactions are the norm, payment cards play a key role in managing personal and business finances. Among the most popular types of cards are credit cards, debit cards, and prepaid cards. Although each has its unique features and uses, they all aim to facilitate payments. Let's take a closer look at the characteristics of each type of card and the differences between them.