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One PIP decision can cost you PLN 190,000

PIP can reclassify your B2B contract as employment on its own — with no court ruling. In force since 8 July 2026.

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Legal act
Act amending the Act on the PIP
Passed
11 March 2026
In force since
8 July 2026

01 / RISK

The fine is the smallest line on the bill

The PIP fine is only the first item. Right after it, backdated contributions, interest and the contractor’s own claims can follow. Below is our approximate estimate for a negative outcome of the proceedings, based on law firm analysis: a developer working 4 years on B2B, a contract of PLN 18,000 net per month, reclassification with a three-year retroactive period.

Estimated cost of reclassifying a single contractor
Item Basis Amount
Backdated ZUS contributions ~PLN 22,000 per year × 3 years PLN 66,000
Late payment interest accrued on arrears PLN 12,000
Unused leave compensation 78 days × ~PLN 700 PLN 54,000
PIP fine up to PLN 60,000, up to PLN 90,000 on repeat PLN 60,000
Total for a single contractor PLN 192,000

Estimate based on law firm analysis (incl. RPMS). Does not include possible overtime, severance or litigation costs. With more contractors the amounts add up.

In proceedings, the burden of proof lies with you

It is not the inspector who has to prove that you have an employment relationship. It is you who has to show that the cooperation is genuinely independent.

The decision is made without a court

The district inspector issues an administrative decision. An appeal is possible, but you are the party that appeals.

The inspection can be remote

PIP does not have to come in person. Data exchange with ZUS and KAS works regardless of an on-site visit.

Work out your risk with an expert

02 / LEGAL STATUS

Four changes that shift the risk onto the company

  1. An administrative decision instead of a court ruling

    A district labour inspector can determine on their own that an employment relationship exists. Previously this required proceedings before a labour court. The procedure has two stages: first a request to remove the irregularities, then the decision.

  2. Doubled fines

    The maximum fines under the Labour Code have risen from PLN 30,000 and 45,000 to PLN 60,000 and 90,000. The higher rate applies to a violation repeated within two years.

  3. Reversed burden of proof

    After the amendment, it is the employer who defends against a finding of an employment relationship and shows that the relationship is genuinely independent B2B cooperation.

  4. Individual interpretations

    Since 8 July 2026, the Chief Labour Inspector issues individual interpretations on request — whether the described situation is an employment relationship. The request costs PLN 40, the answer comes within 30 days and is binding on PIP.

Check your contracting setup

03 / CRITERIA

What the inspector looks at

PIP does not judge the name of the contract, only the actual conditions of the cooperation. The more of the points below describe your situation, the higher the reclassification risk.

  1. The person works under the company’s direction — receives instructions, has a supervisor, is subject to appraisal.

  2. Works during hours set by the company, not at a time they choose themselves.

  3. Works at a location designated by the company.

  4. Performs the work personally — cannot appoint a substitute or a subcontractor.

  5. Receives regular, fixed remuneration for time worked, not for a result.

If you checked three or more — your contracting setup needs a review before an inspector does it.

Review the setup before an inspector does

04 / DEADLINE

8 July 2027

End of the protection period

By this date, companies that voluntarily convert faulty B2B contracts into employment contracts will avoid the fines provided for in the Labour Code.

The exemption applies only to PIP fines. It does not cover backdated ZUS contributions, tax arrears or the contractor’s claims. Voluntarily changing the form of cooperation does not close the assessment of past periods.

Discuss your deadline with an expert

05 / SELFWORK

Put your work with international contractors in order

Selfwork lets companies pay contractors in 140+ countries legally and in line with the rules. We take on the contracts, the documentation and the payouts — instead of hundreds of separate contracts you have one relationship and one invoice.

One contract
Selfwork acts as your contracting entity. Instead of hundreds of individual contracts with contractors, you settle one invoice.
Documentation
Contracts, invoices and acceptance protocols generated with every payout. A full set of documents, not bank transfers with no trail.
A Swiss entity
Selfwork GmbH, CHE-476.079.705, a licensed paying entity based in Baar. A jurisdiction you can show an auditor.
140+ countries
Payouts in fiat currencies and stablecoins, including to regions hard to reach for bank transfers.
Proof of income
Your contractors get documents accepted by banks, tax offices and for visa applications.
Instant payouts
SEPA, SWIFT, USDT/USDC. No week of waiting and no “where’s my money?” in the chat.

Put it in order with an expert

06 / ONBOARDING

Four steps to the first payout

  1. 01

    Account setup

    Intro call, KYB verification, signing the contract.

  2. 02

    Team onboarding

    Contractors join, pass KYC and set up how they receive payments.

  3. 03

    One invoice

    You fund the account with your chosen payment method — by bank transfer or in crypto.

  4. 04

    Global payouts

    A bank account, a card or a crypto wallet. Every payout with a full set of documents.

Start onboarding with an expert

07 / PRICING

3% to start. The rate drops as volume grows

  • No subscription
  • No setup fee
  • No per-contractor fee

Pay As You Go — you pay on the payout volume processed, not on the number of people on the team. The rate starts at 3% and falls as turnover grows. No hidden currency-rate markups.

Book a call with an expert

08 / QUESTIONS

Questions we hear most often

Does Selfwork protect me from a PIP decision?

No — no provider can guarantee how an authority will assess a specific relationship. Selfwork puts in order the layer you actually control: the structure of the contracts, the documentation of every payout and confirmations for both parties. A lawyer should be involved in assessing the legal risk of your contracting setup — we’re glad to point out what to look at.

How is this different from a large payroll platform?

Large payroll and HR platforms are usually built for companies with a separate HR department, predictable headcount growth and extensive corporate processes. Selfwork is built for companies working with international contractors that need a cleaner way to manage contracts, invoices, approvals, payouts and documentation — without adding operational weight.

How are the funds secured?

Selfwork GmbH is an entity registered in Switzerland (CHE-476.079.705) based in Baar, operating within Swiss legal frameworks. Funds are settled within a licensed paying entity, and every transaction has a full documentation trail.

How fast are the payouts?

SEPA and stablecoin payouts are made the same business day. SWIFT depends on the recipient’s country — usually 1–3 business days.

What if my team is small?

Pay As You Go has no minimum threshold and no per-person fee. You pay a percentage of the volume — with two contractors and with twenty the logic is the same.

Have another question? Ask an expert

Check your contracting setup before an inspector does

A 30-minute call with our expert. We go through your specific case — how many contractors you have, what the contracts look like and what can be put in order first.

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