Mastercard announced a new smartphone payment acceptance pilot in Poland on Wednesday.

The solution does not require the purchase of any POS equipment. Users will only need to download a mobile app and create a merchant account to begin accepting payments, making the process simpler and more cost-effective for small and micro-merchants.

The company expects that payment facilitators will be critical in bringing solutions like this to scale once they extend beyond the pilot stage, a Mastercard spokesperson told

The initiative supports Mastercard’s continuing drive to enable digital payments for small businesses, furthering its goal of bringing 40 million new merchants into the system by 2021.

The card network is conducting the pilot in conjunction with mobile app provider Mobeewave and acquiring banks Elavon and Polskie ePłatności. It will initially include 200 merchants from across Poland. Transactions will adhere to the current amount limit in Poland for contactless transactions without a PIN – about USD $14.

“Mastercard is committed to enable every connected device to accept payments – and I am delighted that Poland is the first country where this latest innovation in payment technologies is being tested. Poles have proven many times that they are open to innovations in trade and finance, and Poland needs such solutions on its way to become a cash-lite economy,” Bartosz Ciołkowski, country manager, Poland, for Mastercard, said in a press release.

“Over the next years, this will have an influence on the roadmap leading to supply Polish retailers with cashless payment acceptance supporting the government’s plan to fully digitalize the country,” Janusz Diemko, president, Polskie ePłatności, said.

According to Mastercard, more than two-thirds of the transactions from Poland that travel on its network are already contactless.

The company cited research from the National Bank of Poland that said Poles currently carry 29.4 million contactless payment cards, 78% of the cards issued there.