How the payment method works
BLIK is a convenient, fast, and secure mobile payment method that does not require logging into online banking. It allows users to pay in stationary stores and online, deposit and withdraw money at an ATM, and make instant payments to phone numbers. Thanks to Mastercard’s tokenization technology, consumers are able to use contactless BLIK payments via their phone in a secure and convenient way, wherever Mastercard payments are accepted.
Target market
Merchants (ecommerce)
Marketplaces (ecommerce)
Paying agents (acquirers)
Banks
Contact details
kontakt@blik.com
Operational area
Poland
Year founded
2015
Investors
Alior Bank, ING Bank, Millennium Bank, mBank, PKO Bank Polski, Santander Bank Poland, and Mastercard
License type
Polish National Bank payment scheme
Reach
21.6 million mobile banking app users in Poland
Acceptance
100% ecommerce in Poland, 75% POS with BLIK code, 100% POS contactless, 95% ATM
Market share
More information available upon request
Implementation requirements (non technical)
Polish bank account required. EU license for acquiring with notification from the Polish Financial Authority.
Company motto
We are experts in creating modern payment solutions
Payment type
Account-based mobile payments
Channels
Online
Yes
POS/In-store
Omnichannel
Yes – P2P, ATM, ecommerce, POS, contactless payments
Services
Settlement currencies
PLN
Processing currencies
Currency available for customers
Implementation requirements
Chargeback/Buyer protection
Chargeback – No
Buyer protection – Yes, transaction confirmation by SCA
Automated and instant refund
Automated refund – Yes
Instant refund – No
Reconciliation
Reconciliation file in xml format
Fraud prevention (measures)/Risk management
Based on the issuer side
Pricing/Fees structure
Future developments
BNPL
Technology
Integration technology
API – web services
Integration support
UAT – testing environmental
Transaction volume
Number of transactions (per year)
763 million in 2021
Transactions value