POLAND Law and Practice Contributed by: Wojciech Ługowski, Lawarton Lugowski Kapica Spolka Komandytowa
12.3 Responsibility for Losses A fintech provider’s liability depends on its services and regulations. Under PSD2, fintechs offering pay - ment services must use SCA, report breaches and compensate for unauthorised transactions, unless proven otherwise. Polish consumer protection laws favour refunds, ensuring strong customer rights. For unregulated ser - vices, liability is based on contracts and consumer laws. Fintechs may still be responsible for fraud, neg - ligence or security failures, with regulators imposing sanctions for non-compliance.
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