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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/Dispute

Maximum payment amount

10,000 PLN

Refund period

365 days

User experience

The following screenshots show the journey of paying with BLIK:

image

Figure 1. Payment process with BLIK