BLIK: Poland's real-time bank transfer (a2a)
Poland's 6-digit mobile code payment system — now the majority of Polish e-commerce transactions.
How the BLIK flow works
BLIK is operated by Polski Standard Płatności on behalf of the major Polish banks. At checkout the shopper selects BLIK and opens their banking app; the app generates a 6-digit code valid for ~2 minutes.
The shopper enters the code at checkout and confirms the transaction inside their banking app with biometrics or PIN.
Funds move in real time between the shopper's and merchant's bank accounts. The merchant's PSP receives a webhook within seconds.
BLIK also supports P2P transfers by phone number, ATM withdrawals without a card, and in-person QR payments — all off the same 6-digit-code UX.
Typical use cases
- Any Polish e-commerce, in-app or in-person checkout.
- Bill pay, ticketing, food delivery and quick commerce.
- Merchants where card decline rates or interchange in Poland are a problem.
Consumer reach
Available inside the banking apps of essentially every major Polish bank — tens of millions of active users.
The single most-used online payment method in Poland, ahead of cards.
Who should accept BLIK
- Any merchant selling to Polish consumers — BLIK is expected.
- Cross-border merchants targeting Poland who currently rely on international cards.
Operational detail
The operational half of every method profile — settlement, refunds, disputes, PSP coverage and licensing — is reserved for Payment Methods List founding partners. It's the part vendor sites won't publish and the part that actually decides whether BLIK works for your stack.
Settlement time
How fast BLIK funds land after the payer confirms, behaviour outside scheme hours, whether the rail settles gross or net, and the realistic T+n to sweep to USD/EUR — plus the PSPs where the advertised timeline actually holds in Poland.
Book a founding-partner call →Refund mechanics
How BLIK refunds are executed end-to-end when the rail has no scheme-level reversal — payer-initiated pulls, credit transfers, or PSP-fronted refunds — plus partial-refund support, time limits, and the API surface each PSP exposes.
Book a founding-partner call →Chargeback exposure
Whether BLIK has any dispute construct at all, which recall/return/indemnity vectors actually exist on the rail, how consumer-protection rules in Poland route claims back to merchants, and observed loss rates versus cards.
Book a founding-partner call →PSP coverage matrix
Which acquirers and aggregators run direct rail connections to BLIK vs. reselling a partner, coverage depth and reliability, effective pricing bands, and who to pick when Poland volume is your primary use case.
Book a founding-partner call →KYC & licensing notes
Requirements to accept BLIK — local entity vs. cross-border MoR, licensing regime governing the rail in Poland, KYC obligations at onboarding and per-transaction, and FX/reporting rules for foreign merchants.
Book a founding-partner call →