Wallets · Available
BLIK
BLIK is Poland's mobile payment system used by most Polish banks: the payer types a six-digit code from their banking app at checkout and confirms the payment in the app. It covers about 70 % of Polish online payments, confirms instantly, has no chargebacks and supports refunds and payouts.
Key facts
- Countries
- Poland
- Currencies
- PLN
- Operations
- Pay-in · Payout · Refund
- Settlement
- instant
- Chargebacks
- not possible
- share of e-commerce payments · Poland
- 70 % (Polski Standard Płatności, 2025)
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
How a payment goes through
- The payer opens their banking app and generates a six-digit BLIK code.
- They enter the code at checkout.
- The bank app asks to confirm the amount and payee; the payer confirms.
- The provider confirms instantly; Tranzify writes the result and calls the merchant’s webhook.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
Industries
Terms
Frequently asked questions
Does the payer need a card?+
No. BLIK draws from the bank account; the payer needs only their bank’s mobile app.
How long is a BLIK code valid?+
Two minutes; the checkout asks for a new one when it expires.
Are payouts possible?+
Yes — BLIK payouts go to the payer’s phone number through the same providers.
Related methods
See the platform on your own flows
Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.
- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements