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Cash register in instalments with Polcard – PLN 0 upfront, repaid from terminal turnover
You get your online fiscal cash register straight away and pay nothing at the start. With the Polcard from Fiserv instalment programme you repay it in 120 small daily instalments, taken automatically from card payments accepted on the terminal. No transfers, no due dates to remember and no visit to the bank.
We will work out the instalment for the model you choose and check whether you qualify for the cash register tax relief. Call: +48 81 744 10 91.
How it works, step by step
1. You choose the set
An online fiscal cash register from our range and a Polcard payment terminal. We help you pick a model for your business.
2. We set everything up
Fiscalisation, product programming and staff training are on our side. You receive a register that is ready to work.
3. 14 days with no repayments
The first instalment is taken only two weeks after the set goes live, giving you time to get sales going.
4. The instalment comes off the terminal
For 120 days a small, fixed amount is deducted daily from cashless transactions accepted on the terminal.
5. It all happens automatically
No bank transfers and no deadlines to track. Settlement is fully automatic.
6. The register is yours
After four months the device is fully paid off and belongs to your company.
Cash register – nothing to pay upfront
Buying a register outright means a one-off expense of a few thousand zloty, often at the worst possible moment – when the business is just starting. Here the cash stays in the company and the device pays for itself out of current sales.
- PLN 0 upfront – you use the register from day one.
- 14-day grace period from the moment the set goes live.
- 120 daily instalments taken from terminal turnover.
- No bank paperwork – a quick decision and no credit procedure.
- Once repaid, the register is owned by your company.
Payment terminal – combined with the Cashless Poland programme
The instalments work together with a Polcard terminal, because repayment is taken from its turnover. If you meet the conditions of the Cashless Poland programme, the terminal itself costs you nothing either.
- Terminal for PLN 0 for the first 12 months.
- 0% commission on transactions until you reach PLN 100,000 in turnover.
- Visa and Mastercard cards, BLIK, Google Pay and Apple Pay.
- In practice, the savings on rental and commission cover a good part of the register instalment.
What the package includes
| Item | Terms | What you gain |
|---|---|---|
| Online fiscal cash register | repaid in 120 daily instalments from terminal turnover, the first after 14 days | PLN 0 upfront, cash stays in the business |
| Payment terminal | PLN 0 for the first 12 months (Cashless Poland) | no device rental cost |
| Transaction commission | 0% up to PLN 100,000 in turnover | the full amount of each card payment is yours |
| Cash register tax relief | refund of 90% of the net price, up to PLN 700 – for businesses starting to record sales on an online register | lower real cost of the device; the relief can be combined with instalments |
| Set-up | fiscalisation, programming and training by our service team | a register ready to work from day one |
How much is the instalment – examples
The financing cost is currently 12.9% of the register value, spread over 120 days. For a register priced at PLN 1,750 net this is just over PLN 16 a day – a few card payments are enough for the instalment to pay for itself.
| Register model | Net price | Daily instalment (net) |
|---|---|---|
| ACLAS KOS_OL LAN + WiFi ext. | PLN 1,299.00 | PLN 12.22 |
| NOVITUS LINK ONLINE | PLN 1,690.00 | PLN 15.90 |
| NOVITUS NANO II ONLINE | PLN 1,750.00 | PLN 16.46 |
| ELZAB K10 Online WiFi | PLN 1,790.00 | PLN 16.84 |
| NOVITUS ONE PRO | PLN 2,090.00 | PLN 19.66 |
Indicative figures based on prices in our shop. The exact instalment for the chosen model is given in our quotation. Final financing terms are set out in the agreement with Polcard from Fiserv.
What you gain
PLN 0 upfront
You do not tie up several thousand zloty on the day of purchase. The money stays available for stock and running costs.
No transfers, no deadlines
The instalment is deducted automatically from terminal turnover. Nothing to track and nothing to forget.
No bank involved
No loan application and no waiting for a decision. The paperwork is limited to the agreement with Polcard.
Company account untouched
Repayment comes from current sales, not from the balance of your business account.
Terminal for PLN 0 for a year
Under Cashless Poland you pay neither for the terminal nor commission up to PLN 100,000 in turnover.
Relief of up to PLN 700
When you start recording sales on an online register, you can recover up to PLN 700 per device from the tax office.
Who it is for
New businesses
You are just starting and every equipment expense counts. The register and terminal work from day one and you pay out of what you earn.
Replacing an old register
You need to move to an online register and do not want to pay the whole amount at once. The cost is spread over four months.
Any industry
Retail, services, food service, practices. All you need is to accept card payments on a Polcard terminal.
Frequently asked questions
When do I start repaying the register?
Do I need to make bank transfers?
Is the register mine straight away?
Can I use the cash register tax relief?
Which registers can I get in instalments?
Is a Polcard terminal required?
I already have a payment terminal. Can I still apply?
Want a fiscal cash register in instalments?
Tell us what you do – we will choose the register and terminal, work out the daily instalment and take care of the set-up.
tel. +48 81 744 10 91 · +48 534 883 677 · biuro@alfasystem.lublin.pl
Ask about instalments