Payment methods in Poland

The market

BLIK, launched in 2015 by the Polish banks’ joint company Polski Standard Płatności, became the default way to pay online: the payer types a six-digit code from the banking app and confirms there, with no card and no chargeback. It carries about 70% of online payments by value (Polski Standard Płatności, 2025). Visa and Mastercard stay for subscriptions, travel and foreign shoppers, usually behind Google Pay on mobile. Open Banking (EU, PIS) is listed for Poland; its provider is enabled on request. The whole market settles in PLN, so a client needs an acquirer that settles in złoty rather than converting every ticket.

How Tranzify clients launch

A client enables SmartFlow, Przelewy24 or Adyen from the catalogue under its own contract and licence. SmartFlow covers cards, Google Pay and BLIK; Przelewy24 is the BLIK specialist; Adyen adds a second card route. The checkout shows BLIK first for Polish payers and cards for everyone else; routing by amount, BIN and scheme picks the acquirer, and a declined BLIK payment cascades to cards without a new page. BLIK, Visa and Mastercard all support payouts, so a client runs deposits and withdrawals on the same rails. Every payment is journaled for five years and reported by webhook. Poland is live in the catalogue.

BLIK in practice

A BLIK code is valid for a short time while the payer confirms in the bank app, so the orchestration keeps the order open, waits for the provider’s confirmation and only then calls the client’s webhook. Refunds are sent by the provider back to the paying account; payouts to BLIK and to cards run through SmartFlow or Adyen.