BLIK Payment Method
BLIK offers instant payments using its banking app for online and offline transactions, ATM withdrawals, and P2P transfers. The Polish Payment Standard (PSP) introduced the service, widely used in Europe, especially in Poland.
E-commerce & Online Payments
Used for purchases on websites and apps.
POS Transactions
Accepted at physical stores without a card, just with an app.
ATM Withdrawals
Users can withdraw cash without a card.
P2P Transfers
Instant money transfers using just a phone number.
BLIK One-Click
Saves a user’s device for quicker future payments.
How BLIK Works
It is one of Poland's most popular payment methods and is growing in adoption for European e-commerce payments. PAIO supports BLIK transactions and can provide you business with ready-made APIs for BLIK integration.
Generating a Code
When making a payment, the user generates a unique 6-digit code in their banking app.
01Entering the Code
The user enters the BLIK code on the merchant’s website, POS terminal, or ATM.
02Confirming the Payment
The transaction is confirmed in the mobile banking app, ensuring security.
03Instant Processing
Payments are processed in real time without needing a card or physical wallet.
04Explore the types of BLIK integration with PAIO
BLIK One-Time Code (Standard Payment)
The user generates a 6-digit BLIK code in their banking app.
01BLIK One-Click (Faster Checkout)
Users can link their bank account to your website for one-click payments. Ideal for returning customers and subscription-based services.
02BLIK Pay-by-Link
Used for invoicing and email payments. The customer receives a payment link and confirms the payment via their mobile banking app.
03BLIK QR Code Payments
Customers scan a QR code at checkout (online or in-store). The payment is completed via their banking app.
04Frequently asked questions
What is PAIO, and what services do you provide?
What are the benefits of PAIO’s internet acquiring services?
What payment methods does PAIO support?
How secure are payment transactions through PAIO?
What is PCI-DSS?