BLIK
Founded in 2015, BLIK is a safe and fast instant mobile payment method popular in Poland. Users can use the bank app to obtain a secure 6-digit code, and then use the code to initiate a payment.
When paying with BLIK, users obtain a secure 6-digit code from the bank's app and enter it into the merchant's payment page. Then they use the PIN in the bank's app to confirm the transaction. The 6-digit BLIK code is valid for 2 minutes, after which the user must request a new BLIK code. After starting the payment, BLIK will send a push notification to the selected bank for the users to confirm the payment within the required time to complete the payment.
Properties
The properties of the BLIK payment method are shown in the following table:
Payment type | Bank transfer | ||
Acquirer | AlipaySG, AlipayEU, AlipayUS | Acquiring region | SG, AU, HK, EU, US |
Payment flow | Redirect | Checkout Payment | ✔️ |
Buyer country/region | Poland | Auto Debit | ❌ |
Funds deduction | Real-time | Refund | ✔️ |
Processing currency | PLN | Partial refund | ✔️ |
Minimum payment amount | 0.01 PLN | Chargeback | ❌ |
Maximum payment amount | 10,000 PLN | Refund period | 365 days |
User experience
The following screenshots show the journey of paying with BLIK:
Figure 1. Payment process with BLIK