BLIK – the future now for digital payments in Poland

What is BLIK?

BLIK is a Polish mobile payment system that allows users to make quick and convenient transactions without the need for a payment card. The system operates using one-time codes generated in the user's bank's mobile app. BLIK payments are available in online and offline stores, as well as at ATMs.

The history and development of the BLIK system

BLIK was launched in February 2015 by the Polish Payment Standard (PSP) , an organization founded by six of Poland's largest banks. Since then, the system has been developing dynamically, gaining increasing popularity among consumers and businesses. Key milestones in BLIK's development include:

• 2015 – official launch of BLIK by PSP,
• 2018 – implementation of contactless payments,
• 2021 – introduction of instant transfers to the phone,
• 2023 – exceeding 1 billion transactions per year .

Popularity and statistics

BLIK is currently one of the most popular payment methods in Poland. Statistics indicate that:

• Over 14 million active users use BLIK,
• In 2023, 1.2 billion transactions worth over PLN 150 billion ,
• Every second online payment in Poland is made using BLIK,
• 90% of users appreciate the simplicity and speed of transactions.

Ten years of dynamic development

Since its launch in February 2015 by the Polish Payment Standard (PSP) , BLIK has been constantly evolving. Over the past decade, users have completed a total of 7 billion transactions , with a total value approaching PLN 1 trillion . In 2024 alone, over 2.4 billion transactions , representing a 37% increase compared to the previous year, reaching PLN 347.3 billion (a 43% increase year-on-year).

The BLIK system has become the foundation of payments in Polish e-commerce. In 2024, users made 1.2 billion online payments (27% increase year-on-year) for a total of PLN 172.6 billion . The average value of a single transaction was PLN 148. BLIK contactless payments are also gaining popularity – in 2024, 576.8 million transactions were completed at POS terminals (58% increase year-on-year), of which 46% were contactless. The number of these transactions increased by 101% year-on-year, reaching 263.1 million , with a total value of PLN 11.7 billion .

If you run an online store , integrating with BLIK can significantly increase customer satisfaction and improve sales. Implementing BLIK is possible through partnerships with payment service providers who offer ready-made integration modules.

Telephone transfers and ATM operations

Transfers to BLIK phones are becoming increasingly popular. In 2024, 604.8 million such transfers (a 46% increase year-on-year), meaning that every fourth BLIK transaction was a P2P transfer. The average transfer amount was PLN 158. ATM transactions totaled 70.4 million (a 15% increase year-on-year), with cash withdrawals dominating (61.9 million). The average withdrawal amount was PLN 705 .

BLIK in the digital world

The BLIK system has become the foundation of payments in the digital world, offering numerous benefits to both customers and merchants:

• Immediate completion of purchases – no need to provide a card number,
• Security – the code is one-time use and the transaction is confirmed in the banking application,
• Availability – works on most digital platforms in Poland,
• Reducing the abandoned cart rate – users are more likely to complete transactions thanks to quick payments.

How does BLIK influence the development of the digital world?

The BLIK system is constantly evolving, and the future looks promising. Plans include:

• International expansion – implementation of BLIK payments abroad,
• Development of P2P transactions – even faster transfers between users,
• Integration with global platforms of the digital world – enabling BLIK payments on foreign marketplaces.

Is it worth implementing BLIK payments in an online store?

If you run an online store , implementing BLIK can significantly improve conversions and customer experience. To integrate BLIK, it's worth using online payment providers that offer ready-to-implement modules.

BLIK Pay Later – a modern online payment method

BLIK Pay Later is an innovative solution that allows users to make online purchases with deferred payment. The service works based on a credit limit granted by the bank and allows payments to be made without immediate debit to the bank account.

How does BLIK Pay Later work?

• When finalizing the purchase, the user selects the BLIK Pay Later .
• The bank assesses creditworthiness and grants a funds limit.
• The transaction is approved and the customer is given a specified period of time to repay.
• Depending on the bank, you can repay the loan in full or by instalments.

What are the benefits of BLIK Pay Later?

• Convenience – shopping without having to pay immediately.
• No additional costs if the debt is settled on time.
• Security – the BLIK system ensures a high level of transaction protection.
• Flexibility – possibility of repayment at a convenient time or in installments.

With the BLIK Pay Later , customers can flexibly manage their finances and don't have to cancel purchases, even if they don't have enough funds in their account. This is an ideal solution for those who value convenience and modern online payment methods.

BLIK is expanding its services, and Pay Later is another step toward making online shopping easier for users. Will this payment method become the standard in the digital world? Judging by BLIK's popularity, it seems only a matter of time.

BLIK FAQ – frequently asked questions and answers

What is BLIK?

BLIK is a mobile payment system that allows for cardless transactions. Users generate a one-time code in their bank's mobile app and use it to make payments.

Which banks support BLIK?

BLIK is available at most Polish banks, such as PKO BP, mBank, ING Bank Śląski, Santander, Bank Millennium, and others. A full list is available on the BLIK website.

How to pay with BLIK in an online store?

When finalizing your purchase in the online store, select the BLIK payment option, enter the code generated in the bank application and confirm the transaction in the application.

Does BLIK work abroad?

Currently, BLIK operates primarily in Poland, but work is underway to implement it in international markets. However, BLIK payments can be made on e-commerce platforms that accept this payment method.

Is BLIK safe?

Yes, BLIK is very secure. The code is single-use and valid for only 2 minutes, and each transaction must be confirmed in the user's banking app.

How to make a BLIK phone transfer?

To send a BLIK transfer, simply select the "transfer to phone" option in the bank application, enter the recipient's number and confirm the transaction.

Can I withdraw cash from a BLIK ATM?

Yes, just select the "BLIK withdrawal" option at the ATM, enter the BLIK code and confirm the transaction in the bank's mobile application.

What are the BLIK transaction limits?

Transaction limits depend on the settings of your bank. You can adjust them in your banking app or by contacting your bank.

Can a BLIK payment be reversed?

BLIK payments are instantaneous and cannot be reversed. In the event of an incorrect transaction, please contact the recipient or your bank.

How much does it cost to use BLIK?

Using BLIK is usually free, but some banks may charge fees for certain operations, such as cash withdrawals from ATMs.

Can I use BLIK for contactless payments?

Yes, from 2021 BLIK supports contactless payments at POS terminals, provided that the user has activated this function in the bank's application.

How to activate BLIK in the bank app?

BLIK is automatically available in most banking apps. Simply log in and find the BLIK option in the payments section.

What to do if the BLIK code does not work?

If the BLIK code isn't working, make sure it was entered correctly and that it was generated within 2 minutes. If the problem persists, contact your bank.

How to check BLIK transaction history?

BLIK transaction history is available in the banking application, in the transactions or payment history section.

Can I use BLIK on foreign e-commerce platforms?

Yes, if the platform accepts BLIK as a payment method. More and more foreign stores are introducing this option to Polish customers.

What is BLIK Pay Later?

BLIK Pay Later is a new feature that allows you to defer payment for purchases. Users can make a transaction now and then pay within a specified timeframe, in accordance with the bank's terms and conditions.

How does BLIK Pay Later work?

When making a payment, the user selects the "BLIK Pay Later" option, and the system approves the transaction, allowing for future payment. The repayment period depends on the bank and may be, for example, 30 days.

How to activate BLIK Pay Later?

To use the BLIK Pay Later function, check in your banking application whether the option is available and activate it according to the bank's instructions.

What are the conditions for using BLIK Pay Later?

Terms of use vary depending on the specific bank offering this feature. They typically include a specific payment deadline and any deferral fees.

Is BLIK Pay Later available in all banks?

Not all banks offer this feature. It's worth checking your banking app to see if BLIK Pay Later is available.

What are the amount limits in BLIK Pay Later?

Transaction limits depend on individual bank arrangements. Typically, the bank specifies the maximum amount that can be deferred during a given period.

Does using BLIK Pay Later involve additional costs?

Some banks may offer BLIK Pay Later at no additional cost for a specified period, but may charge interest or other fees after the deadline.

Can I use BLIK Pay Later in any online store?

The service is available in online stores and e-commerce platforms that support BLIK payments. The list of merchants that accept BLIK depends on the banks' integration with BLIK.

What happens if I don't repay the debt on time?

Failure to repay within the specified timeframe may result in interest charges or restricted access to the service. It's worth checking your bank's terms and conditions regarding deferred payments.

Can I cancel a BLIK Pay Later transaction?

If the store allows returns, the transaction may be canceled and the funds will not be debited. Refund details depend on the store's and bank's policies.

Write to us and find out how to implement BLIK payments in your online store.

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