Payment methods
BLIK payments: how Poland's 6-digit code method works for merchants
BLIK is Poland's mobile payment system, built into the apps of the major Polish banks. To pay online, the shopper generates a six-digit code in the banking app, types it at checkout and confirms the payment in the app. The payment is authorised in seconds, debited from the shopper's account in złoty, and it is the most used online payment method in Poland.
At a glance
| Operator | Polski Standard Płatności, owned by Alior Bank, Bank Millennium, ING Bank Śląski, mBank, PKO Bank Polski, Santander Bank Polska and Mastercard |
|---|---|
| Active users | 20.7 million active accounts at the end of 2025, more than 21 million in 2026 |
| E-commerce volume | 1.4 billion online payments worth PLN 219 billion in 2025, nearly half of all 2.9 billion BLIK transactions |
| Average online payment | PLN 158 (about EUR 37.5) in 2025 |
| Currency | PLN; euro payments only in a 2026 pilot with Slovak online shops |
| Code | Six digits, valid for 2 minutes, confirmed in the banking app |
| Recurring and pay later | Recurring BLIK at eight banks (1.6 million payments in 2025); BLIK Pay Later at four banks |
| Published fee examples | 1.29% + PLN 0.30 on the Przelewy24 standard price list; 1.6% + PLN 1.00 on Stripe's Poland price list (both checked 1 November 2026) |
| Disputes | No card chargebacks; complaints go through the shopper's bank under the BLIK rules, and refunds are sent by the merchant |
| Availability via OrsunPay | Available through a connected PSP that supports BLIK, such as Stripe or Adyen |
BLIK compared with other ways Polish shoppers pay online
| Method | How the shopper pays | Currency | Confirmation | Refunds |
|---|---|---|---|---|
| BLIK | Six-digit code from the banking app, approved in the app | PLN | Seconds | Sent by the merchant to the shopper's account |
| Przelewy24 | Picks a bank or BLIK on the P24 page and approves the transfer | PLN, EUR and some other currencies | Seconds to minutes | New credit to the shopper's account |
| Card | Card number plus 3-D Secure | Any card currency | Seconds | Refund to the card; chargebacks under scheme rules |
| Pay by Bank | Approves a transfer in the banking app via open banking | EUR, GBP and other local currencies | Seconds to same day | New transfer from the merchant |
| OrsunPay (our product; orchestration layer, not a provider) | Connect the methods your PSPs support through one integration | Whatever your connected PSPs support | Status from each PSP in one webhook format | Refunds sent back through the PSP that took the payment |
What is BLIK?
BLIK launched in 2015 as a joint standard of Polish banks. There is no separate BLIK wallet: the function sits inside each participating bank's mobile app and draws directly on the current account. Shoppers use it to pay online, in stores, at ATMs and to send money to a phone number.
Online payments are its largest use. According to Polski Standard Płatności, BLIK processed 1.4 billion e-commerce payments worth PLN 219 billion in 2025, up 20 percent in count. For a merchant selling to Polish consumers, BLIK is usually the first method to add after cards.
How does a BLIK payment work?
The classic flow uses a one-time code, so the shopper never shares card or account details with the merchant.
- Choose BLIK The shopper selects BLIK at checkout and is asked for a code.
- Generate the code In the banking app the shopper opens BLIK and gets a six-digit code valid for two minutes.
- Enter and confirm The shopper types the code at checkout, then approves the amount and merchant name in the app with a PIN or biometrics.
- Result The provider receives the bank's decision within seconds and notifies the merchant by webhook.
What are one-click BLIK, recurring BLIK and BLIK Pay Later?
Beyond the code, banks offer variants that remove friction for returning customers. Availability depends on the shopper's bank and on whether your provider supports the variant.
- One-click BLIK: the shopper registers the shop once in the banking app and later confirms payments without typing a code.
- Recurring BLIK: the shopper approves a mandate, and the merchant charges later amounts off-session; eight banks offered it in 2025, with 1.6 million payments averaging PLN 48.
- BLIK Pay Later: the bank lets the shopper defer payment; the merchant is paid normally. Four banks offered it in 2025, with 235,500 transactions.
BLIK vs Przelewy24 vs cards: what do Polish shoppers use?
Polish checkouts usually show BLIK first, then a pay-by-link bank list from an aggregator such as Przelewy24 or PayU, then cards. The comparison table at the top of this page shows how they differ from the merchant's side.
Fees depend on who you contract. On 1 November 2026 the Przelewy24 standard price list showed 1.29% + PLN 0.30 per BLIK payment, and Stripe's Poland price list showed 1.6% + PLN 1.00. Card costs are interchange plus scheme fees plus the acquirer's margin, so compare the full price, not the headline rate.
Can a foreign merchant accept BLIK?
Yes. You do not need a Polish company, but you need a PSP that offers BLIK to merchants in your country. Stripe lists accounts in more than 30 countries as eligible, PayPal offers BLIK in its checkout to merchants in most markets, and Adyen, Przelewy24, PayU and Tpay also process it.
For German, Czech or Ukrainian merchants selling into Poland, a few practical points decide whether BLIK converts well:
- Price in złoty: BLIK charges PLN, so show PLN prices rather than converting at checkout.
- Refunds: full and partial refunds go back to the shopper's account, immediately or within hours depending on the bank.
- Reconciliation: match payouts by the provider's reference, especially when settlement is in EUR after conversion.
- Invoices: Polish business buyers expect a VAT invoice with their NIP tax number; check whether Poland's KSeF e-invoicing, live for large taxpayers since February 2026, applies to you.
Does BLIK work outside Poland?
Mostly no. Shoppers need an account at a Polish bank, or at mBank SK in Slovakia, and online payments are in PLN. In 2026 BLIK began piloting euro payments for Polish users in Slovak online shops, and BLIK is a member of the EuroPA alliance, which has run pilot transfers with Bizum and MB WAY. Merchants elsewhere in Europe accept BLIK only from Polish shoppers.
How can I add BLIK through OrsunPay?
BLIK is available via OrsunPay. You connect a PSP account that supports BLIK, such as Stripe or Adyen, and OrsunPay shows BLIK to Polish shoppers next to your other methods, including in payment links. OrsunPay is a payment orchestration platform that connects you to licensed PSPs; it does not process or hold funds itself.
Fees, settlement and the BLIK contract stay with the PSP you connect. OrsunPay plans are listed on the pricing page, and the contact page is the quickest way to check your setup.
- Show BLIK only for PLN baskets or Polish shoppers.
- Refund and status events from every connected PSP arrive in one webhook format.
- Smart routing and retries are live, so card payments can fail over to a second PSP while BLIK stays on the PSP that supports it.
Frequently asked questions
What is BLIK payment?
BLIK is a Polish mobile payment method built into the apps of the main Polish banks. The shopper generates a six-digit code in the banking app, types it at checkout and approves the payment in the app. The money comes straight from their bank account in złoty, and the merchant gets confirmation within seconds.
Is BLIK only available in Poland?
Almost. Shoppers need an account at a Polish bank or at mBank in Slovakia, and online payments are in złoty. In 2026 BLIK started a pilot for euro payments in Slovak online shops. Merchants elsewhere in Europe can still accept BLIK, but only from shoppers who bank in Poland.
Is BLIK safe for merchants and shoppers?
The shopper never shares card or account details with the shop. Each code is valid for two minutes and works only after the shopper approves the amount and merchant name in the banking app with a PIN or biometrics. For merchants, a confirmed payment is final, so there are no card-style chargebacks.
Can a BLIK payment be cancelled or refunded?
Once the shopper approves it in the app, a BLIK payment cannot be cancelled by the shopper. The merchant can send a full or partial refund through its PSP, and the money returns to the shopper's bank account, usually within hours. Complaints about a payment go through the shopper's bank.
How much does BLIK cost merchants?
The fee is set by the PSP you contract. On 1 November 2026 the Przelewy24 standard price list showed 1.29% + PLN 0.30 per BLIK payment, and Stripe's Poland price list showed 1.6% + PLN 1.00. Larger merchants usually negotiate their own rates.
Does PayPal support BLIK?
Yes. PayPal offers BLIK as an alternative payment method in its checkout for Polish shoppers, in złoty with a minimum of PLN 1. The merchant receives the funds in its PayPal account, where BLIK appears as the payment method, so no separate BLIK contract is needed.
What is the difference between BLIK and Przelewy24?
BLIK is a payment method run by Polish banks through their mobile apps. Przelewy24 is a payment service operated by PayPro S.A. whose payment page offers BLIK alongside bank transfers, cards and wallets. You can get BLIK through Przelewy24 or directly through a PSP that supports BLIK.
Can I accept BLIK through OrsunPay?
Yes. BLIK is available via OrsunPay through a connected PSP that supports it, such as Stripe or Adyen. OrsunPay adds BLIK to your checkout and payment links and passes status and refund events to your systems, while the PSP processes the payment. Plans are on the pricing page.
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- BLIK: nearly 3 bn BLIK transactions in 2025 (Polski Standard Płatności, February 2026)
- BLIK: BLIK users gain access to e-commerce in the eurozone (April 2026)
- Stripe documentation: BLIK payments
- PayPal Developer: accept BLIK payments
- Przelewy24: standard price list (checked 1 November 2026)
- Stripe: local payment method pricing, Poland (checked 1 November 2026)