You are comparing the limits of a personal account, which is ment for personal payments, to a company which process payments on behalf of users, and has to stay below the limits for when it becomes a payment service according to various EU directives and Polish law.
So which is it now? They process payments, which makes them just that under EU law.
Depends on a lot of things. The directive is full of exceptions, pointers to other legislation and grey areas. I will have a look at it some day, but IANAL. I may be wrong. Feel free to get a professional opinion.
Edit: Norwegian law has the same exception as the Polish law, and aproximately the same monthly amount. It refers to the EEA, so I assume it is EU legislation made valid in the entire EEA. I can only find it in Norwegian:
http://www.finanstilsynet.no/no/Bank-og-finans/Betalingsforetak/tilsyn-og-overvakning/Krav-til-konsesjon/