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Blik

Transforming Mobile Phones into Payment Tools in Poland

Blik is a mobile payment solution that originated in Poland, revolutionizing 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

    Poland

  • Population

    38 million (estimated)

  • Number of Internet users

    32 million (estimated)

  • Popular payment methods in Poland

    Visa, MasterCard, PayPal, BLIK, PayU, Przelewy24, Google Pay, Apple Pay

% of coverage
  • Credit Card

    25%

  • Debit Card

    45%

  • E-Wallets

    10%

  • Cash Payments

    15%

  • Bank Transfers

    3%

  • Other

    2%

Payment Method Overview
  • Type:Mobile Payment System
  • Currency:Polish Złoty (PLN)
  • % of coverage:95% of Poland’s online transactions (estimated)
  • Money transfers to date:150 billion PLN (estimated)
  • Total customers:10 million (estimated)
  • Refunds:Yes, limited by merchant rules
  • Chargebacks:Yes

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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Pricing

Pricing request

Our fare pricing is designed to bring satisfaction to both sides of our partnership. The pricing structure is tailored to your specific business type and monthly turnover. Kindly send us a request, including details about your business, and our dedicated success manager will promptly get back to you with our best offer.