BLIK

BLIK is Poland's dominant mobile payment method, launched in 2015 as a joint initiative of Poland's major banks and now supported by 20 banks covering approximately 90% of the Polish banking market. At checkout, the customer opens their banking app, generates a unique six-digit code valid for two minutes, and enters it into the payment form. The transaction is authenticated and confirmed in real time, with no card details shared with the merchant.

BLIK's adoption is substantial. Transactions grew 24% in the first half of 2025, and the system processes several billion transactions annually across e-commerce, in-store POS, ATM withdrawals, and P2P transfers. For any merchant selling meaningfully into Poland, BLIK is a non-negotiable part of the payment mix. Polish consumers expect to see it at checkout, and its absence creates a direct conversion impact.

Transaction fees are low relative to card processing, reflecting the domestic bank infrastructure underpinning the scheme. Exact merchant rates depend on the PSP or local acquirer used, but BLIK is broadly recognised as a cost-efficient method for Polish transaction volume.

BLIK is also expanding its functionality. BLIK Pay Later, the scheme's own BNPL product, is now available through PPRO and growing rapidly in Poland, with BNPL transaction values reaching PLN 6.3 billion in the first half of 2025 alone. For merchants targeting younger Polish consumers in particular, this is worth evaluating as an add-on to standard BLIK acceptance.

On the international front, BLIK is beginning to extend beyond Poland, with operational status in Slovakia, expansion plans into Austria and other CEE markets, and a letter of intent to join the EuroPA pan-European instant payment initiative. For now, its commercial relevance remains centred on Poland.

PSP support is available via Adyen, Stripe, and Mastercard integrations, as well as local Polish providers including Przelewy24, PayU, and Dotpay. For non-Polish merchants selling cross-border into Poland, global PSPs with BLIK support are the most practical access route.

Relevant markets: Poland, with early-stage expansion into Slovakia and Central and Eastern Europe