PPRO launches Buy Now Pay Local, providing access to Europe’s key local BNPL options. Read more

BLIK Pay Later

BLIK Pay Later is Poland's leading buy now, pay later (BNPL) solution, seamlessly integrated with the BLIK mobile payment ecosystem. Launched to meet growing consumer demand for flexible payment options, BLIK Pay Later allows Polish shoppers to split their purchases into interest-free installments while maintaining the convenience and security of the trusted BLIK system. Available to users with a mobile banking app from participating banks, BLIK Pay Later enables consumers to authenticate and manage their deferred payments directly within their banking app, combining instant purchase approval with responsible lending practices.

BLIK Pay Later
Type BNPL
Consumer countries
Currencies

Want to integrate BLIK Pay Later onto your platform?

Get in touch

BLIK OneClick

Introduced in 2015, BLIK is a must-have payment method for e-commerce sites in PL. It is a mobile payment service with a unique model of cooperation between banks, payment acquirers, and merchants. BLIK is available to smartphone users with a mobile banking app from participating banks. Consumers provide their BLIK code to authenticate in the BLIK system and conrm payment within their banking app. Supported banks include: Alior Bank, Bank BPS, Bank Millennium, Bank Pekao, Bank Pocztowy, BNP Paribas, BS Brodnica, Crédit Agricole, Getin Bank, Getin Noble Bank, ING Bank, mBank, Nest Bank, PKO Bank Polski, Santander, SGB Bank.

BLIK OneClick
Type Bank transfer
Consumer countries
Currencies

Want to integrate BLIK OneClick onto your platform?

Get in touch

BLIK

Introduced in 2015, BLIK is a must-have payment method for e-commerce sites in PL. It is a mobile payment service with a unique model of cooperation between banks, payment acquirers, and merchants. BLIK is available to smartphone users with a mobile banking app from participating banks. Consumers provide their BLIK code to authenticate in the BLIK system and confirm payment within their banking app. Supported banks include: Alior Bank, Bank BPS, Bank Millennium, Bank Pekao, Bank Pocztowy, BNP Paribas, BS Brodnica, Crédit Agricole, Getin Bank, Getin Noble Bank, ING Bank, mBank, Nest Bank, PKO Bank Polski, Santander, SGB Bank.

BLIK
Type Bank transfer
Consumer countries
Currencies

Want to integrate BLIK onto your platform?

Get in touch

Why BLIK Pay Later

Why BLIK Pay Later | Icon 1

With BLIK’s penetration of over 12 million active users representing more than one-fifth of Poland’s population, BLIK Pay Later taps into an established and trusted payment ecosystem, offering merchants immediate access to millions of consumers already familiar with the BLIK experience.

Why BLIK Pay Later | Icon 2

BNPL solutions typically increase conversion rates by 20-30% and boost average order values by up to 50%, as consumers appreciate the flexibility to spread payments over time. BLIK Pay Later combines these benefits with Poland’s most popular mobile payment method.

Why BLIK Pay Later | Icon 3

BLIK Pay Later provides real-time credit decisions and instant payment approval, ensuring a frictionless checkout experience that maintains the speed and convenience Polish consumers expect from BLIK, while reducing cart abandonment and improving the overall customer experience.

Specifications

Coverage

Consumer
Merchant Global

Currencies

Consumer PLN
Processing PLN
Settlement PLN

Features

Recurring payments
One-click payments
In-store/POS
Refunds
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

How it works

1
How it works | Step 1
Merchant

The customer selects the option to pay for the purchase from the seller using BLIK Pay Later.

2
How it works | Step 2
Merchant

The customer enters the BLIK code generated in their mobile banking app.

3
How it works | Step 3
Payment method

The mobile banking app sends a notification about the required transaction authorization.

4
How it works | Step 4
Payment method

The customer authorizes the transaction by entering their PIN code in the mobile banking app.

5
How it works | Step 5
Merchant

The customer is redirected to the eBLIK success page.

Want to integrate BLIK Pay Later onto your platform?

Get in touch

Why BLIK OneClick

Why BLIK OneClick | Icon 1

BLIK reports that it is the most frequently used mobile payment method in PL, reporting over 12 million active users – more than one-fifth of the population.

Why BLIK OneClick | Icon 2

BLIK drove 763 million transactions worth USD 25 billion in 2021 – over 75% via e-commerce and a 60% market share of all Polish e-commerce.

Why BLIK OneClick | Icon 3

In just the third quarter of 2022, Polish online shoppers spent more than US$5 billion using their BLIK payment apps.

Specifications

Coverage

Consumer
Merchant Global

Currencies

Consumer PLN
Processing PLN
Settlement PLN

Features

Recurring payments
One-click payments
In-store/POS
Refunds
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

Payment flow

Screen 1

The consumer chooses BLIK as their preferred payment method.

Screen 2

The consumer previously saved the merchant, therefore they can proceed without the BLIK code

Screen 3

The consumer reviews the payment details and authorizes the payment in their mobile banking app

Screen 4

The payment confirmation is displayed in the app

Screen 5

The payment is confirmed on the merchant's website

Want to integrate BLIK OneClick onto your platform?

Get in touch

Why BLIK

Why BLIK | Icon 1

BLIK reports that it is the most frequently used mobile payment method in PL, reporting over 12 million active users – more than one-fifth of the population.

Why BLIK | Icon 2

BLIK drove 763 million transactions worth USD 25 billion in 2021 – over 75% via e-commerce and a 60% market share of all Polish e-commerce.

Why BLIK | Icon 3

In just the third quarter of 2022, Polish online shoppers spent more than US$5 billion using their BLIK payment apps.

Specifications

Coverage

Consumer
Merchant Global

Currencies

Consumer PLN
Processing PLN
Settlement PLN

Features

Recurring payments
One-click payments
In-store/POS
Refunds
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

Payment flow

Screen 1

The consumer chooses BLIK as their preferred payment method

Screen 2

The consumer provides their 6-digit BLIK code from the banking app

Screen 3

Screen 4

The consumer reviews the payment details and authorizes the payment in their mobile banking app

Screen 5

The payment confirmation is displayed in the app

Screen 6

The payment is confirmed on the merchant's website

Want to integrate BLIK onto your platform?

Get in touch