BLIK
Country: Poland (PL) | Payment Rail: real_time_payment
RealTimePayment
Market Adoption: 68%
BLIK is Poland dominant national real-time mobile payment system, featuring 6-digit dynamic codes and one-click tokenized checkout and widely used for e-commerce shopping, in-store POS, ATM cash withdrawals, and P2P transfers.
π User Payment Flow
- Customer selects BLIK at checkout and opens their Polish mobile banking app
- Banking app displays a unique 6-digit dynamic BLIK code valid for 2 minutes
- Customer enters 6-digit code on the merchant checkout screen
- Customer confirms the payment request with PIN or biometrics in the banking app
- Transaction clears instantly and order confirmation displays immediately
βοΈ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
π οΈ Merchant Integration Steps
- Merchant passes 6-digit BLIK code to integrated PSP (Stripe, Adyen, PayU)
- PSP verifies code with Polski Standard PΕatnoΕci clearing switch
- PSP receives synchronous authorization callback and updates order status
π Supported Payment Gateways & Acquirers (PSPs)
π PayUπ Checkout.comπ Nuveiπ Stripeπ Adyen