BLIK

A fast and secure online payment method. Each transaction is controlled and confirmed by the user. BLIK allows you to set up recurring payments and, in selected online stores, pay with one click, without the BLIK code.

BLIK payment is a modern and convenient payment method that enables transactions in both online and physical stores using a smartphone, without the need for a physical payment card. BLIK operates through a mobile banking app, where a unique, one-time (6-digit) BLIK code is generated, which the user enters when making a payment. With BLIK, consumers can quickly and securely pay for purchases, withdraw cash from ATMs, and transfer money to a phone number. This innovative solution is gaining popularity in Poland, offering users a range of functions that make everyday transactions easier. 

Main features of BLIK:

Online store payments

With a BLIK code, users can quickly pay for online purchases without needing to enter payment card details.

In-store payments

The BLIK code can be entered into a payment terminal at the store to complete the transaction.

ATM withdrawals

Users can withdraw cash from an ATM by entering the generated BLIK code instead of using a card.

Phone number transfers

Allows users to quickly send money to a recipient’s phone number, who is also using BLIK, without needing to enter a bank account number.

Deposits at ATMs

BLIK also enables users to deposit money into their bank account using the mobile app.

Availability of BLIK:

BLIK payments are available at many Polish banks, making it a widely accessible payment method. Here are some of the banks that offer this service: 

  • Alior Bank
  • Mbank
  • Bank PKO
  • ING
  • WBK
  • Milennium Bank
  • City handlowy
  • GetIn Noble

 

Thanks to broad support from banks, BLIK payments are becoming increasingly common and convenient for users. It’s an ideal solution for people who value fast and secure payment methods in today’s e-commerce world. 

Advantages of using BLIK payments for customers:

How does BLIK work for customers?

1.  Activating BLIK in the banking app:   

To use BLIK, you need to activate the service in your bank’s mobile app. Most Polish banks offer BLIK as an integral part of their app, so you just need to install the latest version of the banking app and log in to your account. Once activated, BLIK is ready to use without any additional configuration. 

 

2. Generating a 6-digit BLIK code:   

When a user wants to make a payment, withdraw cash from an ATM, or perform another transaction, a one-time 6-digit BLIK code is generated in the banking app. This code is active for a short time (usually around 2 minutes) and can be used for only one transaction. After generating the code, the user enters it into the appropriate field on the payment terminal, website, or ATM. 

 

3. Confirming the transaction in the mobile app: 

After entering the BLIK code, the user must confirm the transaction in their banking app. A detailed transaction summary appears on the phone screen, including the amount and recipient details. The user approves the operation by entering a PIN or using biometric authentication (e.g., fingerprint or facial scan). Transaction confirmation is a key security element, as the payment will not be processed without authorization. 

 

Thanks to its simplicity and additional security measures, BLIK payments are fast, convenient, and secure. 

Types of BLIK payments in online stores:

BLIK

BLIK with redirection to eblik.pl

The consumer selects BLIK as the payment method in the online store, then is redirected to the eblik.pl website to complete the payment.

BLIK Level 0

BLIK payment by entering a 6-digit code on the store’s website without being redirected outside the service.

BLIK one-click

An extension of the BLIK Level 0 method – no need to enter the code on the store’s website, provided that the address has been added to the list of remembered addresses in the bank’s app.

Benefits of enabling BLIK payments in an e-store:

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ast and convenient payment for the customer

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Fewer abandoned carts – thanks to the simplified payment process

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Higher conversion rates – especially with BLIK One-Click payments

How to activate PayU?

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