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Transforming Mobile Phones into Payment Tools in Poland

Blik is a mobile payment solution that originated in Poland, revolutionising the way people make transactions by turning their smartphones into versatile payment tools. Developed collaboratively by several major banks in Poland, Blik offers a streamlined and secure method for conducting various financial activities, from making purchases to transferring funds, all through a single mobile app.

% of coverage
  • Country


  • Population

    Approximately 38 million (as of 2023)

  • Smartphone Penetration

    Over 60% of the population

  • Popular payment methods in Poland

    Blik, credit/debit cards, traditional bank transfers

% of coverage
  • Blik


  • Credit/Debit Cards


  • Bank Transfers


Payment Method Overview
  • Type:Mobile Payment Solution & Banking App Integration
  • Currency:Polish Złoty (PLN)
  • % of coverage:Continuously growing, catering to tech-savvy and mobile-oriented users
  • Refunds:Subject to the policies of partnering merchants and banks
  • Chargebacks:Possible through collaborating banks, subject to terms and conditions

About payment system

Blik represents a remarkable leap in Poland’s financial landscape, bringing together the capabilities of various banks to provide a unified mobile payment platform. With the Blik app installed on their smartphones, users can link their bank accounts and access a range of services seamlessly.

At the core of Blik’s functionality is its unique payment code system. Users generate a one-time payment code within the app for each transaction, which can be used for online and in-store purchases. This approach adds an extra layer of security, as the codes are valid only for a limited time and can’t be used again, reducing the risk of unauthorized transactions.

Beyond payments, Blik enables users to transfer money to contacts in their phone book, pay bills, and even withdraw cash from ATMs, all without the need for a physical bank card. The app’s user-friendly interface and straightforward navigation make it accessible to individuals of all ages, contributing to its popularity.

Blik’s integration with the existing banking infrastructure in Poland sets it apart as a seamless extension of traditional banking services. It has also inspired merchants to incorporate Blik as a preferred payment method, further accelerating its adoption across the country.

As Poland continues to embrace digital transformation, Blik remains at the forefront, catering to the evolving needs of consumers who prefer the convenience and efficiency of mobile payments. Its success illustrates the potential of collaboration between financial institutions to create innovative solutions that cater to the digital age, shaping the way people manage their finances and engage in commerce.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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