What factors are behind BLIK's success?

BLIK gained popularity thanks to its accessibility – integrated with banking applications, it requires no additional tools. It is supported by over 20 banks, and the number of acceptance points is constantly growing. New features were also introduced in 2024, including international payments and expanded payment options at POS terminals.

Online shopping also had a significant impact on growth – online stores in Poland and abroad are massively adopting BLIK as their default payment method. Consumers are eager to use it, which translates into higher conversion rates.

Growth that makes an impression

In 2024, users completed 2.4 billion BLIK transactions. For comparison, in 2023, the figure was 1.5 billion. This represents an increase of over 60% year-on-year. In total, Poles have used BLIK over 7 billion times since 2015. The value of transactions in 2024 exceeded PLN 300 billion – it's no longer just a convenience, but a significant part of the digital economy.

What does this mean for the digital world?

Online stores and other online businesses benefit from BLIK's speedy shopping process, reduced cart abandonment, and increased user confidence. For consumers lower purchasing barriers, ease of use, and no need to enter card details or log in to a bank account.

This system raises the bar for the payments market , which is becoming increasingly integrated, modern, and secure. This also influences customer expectations for other services – simplicity and speed are becoming the norm.

How can you implement BLIK in your online store?

• Integrate BLIK with your payment operator , e.g. via Przelewy24, PayU or Tpay – most of them offer simple implementation.
• Promote BLIK as the default payment method – display it in your shopping cart to increase the chance of completing the transaction.
• Communicate security and convenience – many customers choose BLIK for these reasons.
• Analyze conversions – observe how BLIK affects sales and compare its effectiveness with other payment methods.
• Make recurring payments easier – BLIK is developing a subscription model that can be an interesting alternative to payment cards.

BLIK and mobile shopping – how do they drive each other?

The increasing share of mobile traffic in online shopping is driving users to seek fast, secure, and hassle-free solutions. BLIK fits perfectly into this reality – just a few clicks in the banking app, without the need to use cards or log in to bank accounts. For online store owners, this translates into a higher level of user experience (UX) and a higher number of completed transactions.

It's also significant that BLIK has become the foundation for so-called one-click purchasing. Thanks to mobile authentication, users can purchase a product almost immediately after finding it, significantly shortening the purchasing process.

BLIK in the offline world – not just the Internet

While BLIK has gained popularity as a payment method in online stores, its importance in the offline world is also growing rapidly. Cardless ATM withdrawals, payments at POS terminals, and mobile transfers are features that make BLIK a universal financial solution. For merchants, this means omnichannel thinking—that is, consistent customer service across all channels.

It's also a clear signal that the future of payments isn't just online—it's about fully integrating digital solutions into consumers' everyday lives. Online stores can capitalize on this by implementing cross-channel solutions that allow customers to choose the most convenient payment method, regardless of where they shop.

Poland could become a leader in digital payments in Europe

If this growth dynamic continues in the coming years, Poland will become a pioneer in modern payment solutions on the European market. Many countries are already admiring the development of BLIK – not just as a technical system, but as a civilizational change. The digital world is gaining a tool that meets the needs of the modern consumer: mobility, immediacy, and simplicity.

BLIK FAQ – frequently asked questions and answers

What is BLIK?

BLIK is a Polish mobile payment system that enables fast and secure transactions without the need for a card. It works in banking apps and allows payments both online and in brick-and-mortar stores. Its popularity stems from its simplicity and widespread availability in mobile banking.

How does BLIK payment work?

To pay with BLIK, the user generates a six-digit code in the banking app and enters it at the checkout. The transaction is then confirmed in the mobile app. The process takes just seconds and does not require entering card details or logging in to a bank account.

Is using BLIK safe?

Yes, BLIK is one of the most secure payment systems in Poland. Each transaction is authorized in the banking app, and the BLIK code is valid for only two minutes. Additionally, banks use advanced fraud protection mechanisms.

Where can I pay with BLIK?

BLIK can be used to pay in most online and brick-and-mortar stores that support mobile payments. The system also works with POS terminals, mobile apps, and ATMs for cash withdrawals and deposits. A growing number of international services also accept BLIK.

Can I pay with BLIK abroad?

Yes, BLIK is developing a cross-border payment feature in partnership with international operators. Currently, the service is available in select countries and through a limited number of partners. Ultimately, the system aims to enable payments across Europe.

How to make a BLIK phone transfer?

To send money using BLIK, simply select the "Mobile Transfer" option in your banking app and select the recipient from your contacts list. The transfer is instantly credited to your account, without the need to enter an account number. It's a fast and convenient way to transfer money between users.

Can I withdraw cash from an ATM using BLIK?

Yes, BLIK allows you to withdraw cash without using a card. Simply select the "BLIK Withdrawal" option at an ATM, enter the code generated in the app, and confirm the transaction on your phone. The entire transaction takes just seconds and is completely secure.

What are the benefits of using BLIK?

BLIK offers speed, security, and convenience – all transactions take place in real time. Users don't need to carry a wallet, and payments can be made anywhere. Furthermore, integration with banking apps makes the process simple and intuitive.

Is BLIK free?

Using BLIK is free for individual users. Some banks may charge fees for ATM withdrawals or other transactions, but standard online and in-store payments are free. However, it's worth checking your bank's terms and conditions.

Which banks support BLIK?

BLIK is available at most Polish banks, including PKO BP, mBank, ING, Santander, Pekao, Alior, Millennium, BNP Paribas, and many others. The system already has over 25 million users. The list of supported institutions is constantly expanding as the service expands.