What is BLIK? A Complete Guide on The Future of Mobile Payment Systems

Have you ever heard about the BLIK payment method? This intuitive and efficient way of sending and receiving money in real time is revolutionizing the global banking industry. As a modern software development innovation, BLIK has emerged as one of the most popular ways to make payments in Poland and across Europe.

So, what is BLIK, and how did it get so popular? In this guide, we take a closer look at this payment method, exploring how it works and its potential impact on the entire sector.

• The main benefits of using BLIK over traditional payment options include speed, security, efficiency, and cost-effective design. 

• BLIK is a mobile payment solution that has revolutionized the mobile payment market in Poland and some other countries.

• This technology allows users to make instant payments using a unique 6-digit code generated within their banking app online, for in-store purchases, and at ATMs.

• BLIK is built directly into conventional apps, which means it does not require any extra app download or setup.

Overview of BLIK and Its Origins

BLIK has revolutionized mobile banking in Poland and is the most popular mobile payment method in the country. In February 2015, six banks in Poland formed an alliance to launch this service. Today, all major Polish financial institutions use the BLIK system embedded in their banking applications.

According to the National Bank of Poland, in 2019, the number of BLIK transactions exceeded the number of transactions made with payment cards on the Polish Internet. Currently, BLIK is available to over 90% of all Polish financial institution customers, in the apps of dozens of banking and financial institutions, as well as payment gateways. More recent data from last year shows that the platform now has over 18 million users.

What Is BLIK?

BLIK is a mobile payment system designed for making secure payments using a unique six-digit code generated within the user’s banking app. It is an open banking API supported by the majority of banks in Poland and other countries.

By using the BLIK payment option within their bank app, smartphone users can make cashless payments in stores and online retailers, withdraw and deposit cash at ATMs, make transfers, and send money to a designated phone number – all using a digital code.

To use this payment option, the user simply selects BLIK as their preferred payment method during checkout. This generates a one-time 6-digit code on their mobile banking app, which is then input into the merchant’s online payment portal or a physical point-of-sale (POS) machine to complete the transaction.

Why Is BLIK so popular?

The popularity of this system can be attributed to various factors, including a recent spike in demand as well as the nature of the payment option itself (convenience and ease of use). Here’s a breakdown of some of the main reasons for the growing popularity of this payment solution:

• Increase in demand: The growing popularity of BLIK is primarily due to a spike in demand for mobile payment solutions, both online and offline. Since the pandemic forced quick, cashless, and contactless payments, BLIK became increasingly relevant.
• No need for a standalone app: There was no new application created for BLIK. Instead, BLIK was integrated into existing mobile banking applications. This is an innovative approach to fintech development that ensures users can access the service without installing additional software. All they need is the participating bank’s app, internet access, and a compatible payment processor.
• Ease of use: Through its straightforward interface, BLIK enhances the functionality of bank applications in which it has been implemented. Users can also set up one-tap and recurring payments with this option. That is one of the reasons BLIK has gained popularity not just among end-users but also among banks and services that see it as a competitive advantage for their financial operations.

How BLIK Works: Step-by-Step Payment Process

First of all, to use BLIK, you do not need to sign up anywhere or install a new app on your device. Your bank’s app, your device, and an internet connection are all you need. The BLIK payment method is widely used by users to pay in brick-and-mortar stores, online stores, or cash machines. The steps for making payments with this method are highlighted below:

1. Selecting BLIK as your preferred payment method: The first step to pay with BLIK is to choose this as your preferred payment method at checkout.
2. Generating payment code: Next, open your mobile banking app and click on the “BLIK” icon to generate the 6-digit code.
3. Entering the code at checkout: Once the code has been generated, enter it into the merchant’s online payment page or physical payment terminal. Each authorization code is valid for about 2 minutes. However, you can always generate a new code by following the same steps.
4. Confirming the transaction: To complete the transaction, you need to authorize the payment through the banking app. The app sends a push notification to your mobile device, which must be confirmed within 60 seconds.
5. Completing Payment: Once the transaction has been authorized, payment is settled instantly. A confirmation is sent in real time to both the customer and the merchant.

Activating BLIK Contactless Payments

Note that BLIK also has a contactless payment option for physical stores that have this technical integration in their payment terminals. With this option, you simply unlock your phone and hold it close to the payment terminal to pay. To activate this payment option, simply follow these steps:

• Log in to your bank’s mobile app
• Find the BLIK contactless payment settings
• Enable the service by agreeing to the terms and conditions

You may also need to select an account, set transaction limits, and set a PIN or enable biometric security for the feature.

Main BLIK Features and Payment Scenarios

Part of the appeal of the BLIK online payment solution is its versatility and usefulness across a wide range of platforms and devices. This payment option is already popular across various use cases. Some of the scenarios where people make use of this technology include:

Online Payments

BLIK can be used to make payments while checking out in e-commerce stores and other online payment systems. Many Polish online retailers accept this payment method due to its popularity.

To pay online with this method, the user simply chooses BLIK as their preferred payment option, then generates the one-time code to complete the transaction. This code is then entered into the right field on the payment page, and the transaction is confirmed in the bank app.

There is an even faster BLIK payment method for online purchases that doesn’t require you to generate a code repeatedly. When confirming the transaction, the browser or a specific website of the store should be marked as a trusted website. This way, the next time you need to pay, you simply enter your PIN to confirm the transaction.

In-Store Payments

Many physical stores in Poland now allow users to make payments with BLIK. All you have to do is ask if the BLIK payment option is accepted at the store. After shopping, the salesman will ask you for the code, or you can enter it into the terminal yourself if you’re using the self-service option. You can then proceed to confirm the transaction on your app, and the payment will be instantly transferred to the merchant’s bank account. This is a faster and more convenient way to make a payment, especially when you do not have a card.

Contactless BLIK (NFC Payments)

The contactless BLIK feature is an option that allows you to make a payment at a physical store without entering an OTP code. Instead, you simply bring your phone close to the payment terminal to activate the payment.

Contactless BLIK payment is powered by NFC (Near Field Communication) technology, designed to facilitate the transfer of data over short distances. To use this feature, all you need is an Android or iOS smartphone equipped with an NFC module, as well as the latest version of the mobile app of a bank that supports this feature.

Contactless payment with BLIK is quite secure. You’ll have to unlock your phone before the feature can be used, which means only an authorized user with access to your phone can use it. You can also set amount limits for contactless transactions to further safeguard your account before you activate BLIK contactless payments.

ATM Cash Withdrawals and Deposits

Cash withdrawals from BLIK ATMs are the same in almost every bank. To withdraw money with this method, you need to find a partner ATM that accepts BLIK withdrawals. These are typically marked with the BLIK logo.

Select “BLIK Withdrawal” on the machine and enter the amount you want to withdraw. Next, enter the BLIK code displayed in your bank’s application into the ATM. After that, you will be asked to confirm the transaction in your banking application. If everything is correct, the ATM will dispense the exact amount you requested.

Peer-to-Peer Transfers

In addition to merchant payments, BLIK can be used to transfer money directly to your friends and family. The best part is that you do not need to know the recipient’s account number. All you need is their phone number, which you can either enter manually or select from your contact list. It also doesn’t matter if the sender and recipient banks are not the same. The money is sent to the account linked to the user’s phone number.

Next, you fill in the rest of the required data and confirm the transfer. The cash will reach the recipient’s account immediately, even on weekends and holidays. Of course, it costs you nothing because the transfer is free.

To receive money this way, you need to register your phone number in the mobile app. So log in to the bank’s mobile application. Next, go to BLIK settings and select phone transfer settings. Finally, choose the default account for BLIK transfers to the phone.

BLIK Cheques and Vouchers

Another way to make a payment or withdraw cash with BLIK is by using a one-time cheque or payment voucher. This option can be used to make payments in physical stores, online, and to withdraw from ATMs. The cheque is basically a 9-digit code and a 4-digit PIN to confirm the transaction. You can use a BLIK cheque yourself or give it to someone else so they can make purchases with it.

BLIK OneClick and Trusted Merchants

The traditional method of paying with BLIK with a one-time code is already faster and more convenient than most conventional payment options. It gets even faster when you activate the BLIK OneClick feature for trusted merchants.

To use this feature, you simply save the merchant as a trusted store in your bank app while making your first payment. Once this is done, every subsequent payment can be completed without requesting a new OTP code. This option speeds up the transaction, especially for online platforms where you shop frequently.

Payment Requests and Phone-Number Linking

BLIK features a request-to-pay option that allows the recipient to initiate a transaction. This involves sending a transfer request through the recipient’s banking app. To do this, they simply select the phone number from which they want to request the money and specify the amount owed. The payment request is then sent to the sender’s app, where it can be approved with a single click within 72 hours.

With BLIK, you don’t need a unique account number or bank card to send and receive payments. All you need is your regular banking app and a phone number linked to the service. To link a number, simply log in to your banking app and open the settings page for this service. Next, select the transfer to mobile option and register your number. You will be prompted to confirm the new settings by entering your banking app PIN. Once this is done, you can start sending and requesting payments using your phone number.

Security and Fraud Protection in BLIK

Transfers and payments with BLIK are considered safe because the technology employs multiple security measures to protect users. These enhanced security features include:

• Dual verification to secure transactions: Transactions with BLIK are secured by a unique 6-digit code generated in real time whenever the user initiates a transaction. The code is only valid for 2 minutes, so it cannot be reused later by someone else. The sender must also manually authenticate every transaction before it can be processed. Contactless payments require biometric and PIN verification before they can be used.
• Biometric authentication: BLIK requires users to secure their device with a PIN or biometric lock (fingerprint or face ID). This requirement is particularly important for fraud prevention in contactless payments.
• Encryption: Since BLIK is integrated directly into the user’s banking app, it uses standard security and encryption features to protect user data and payment information. Codes and other data generated by BLIK are encrypted to prevent interception and exposure.
• Compliance with EU regulations: BLIK operates within the EU as a mobile payment service provider. The platform complies with EU regulations and security standards such as PSD2 and other regulatory frameworks.

Despite these security measures, it is important to note that the security of financial transactions largely depends on users. With BLIK, sharing your one-time password, bank app PIN, or device password with strangers can compromise the system’s integrity. Beware of phishing scams or social engineering fraud aimed at stealing these critical pieces of information.

How to Set Up BLIK in Your Banking App

Setting up BLIK does not require users to install a separate application on their device. This technology is fully integrated with traditional banking apps, and the setup process is completed within the app. Currently, BLIK can be used by customers of over 90% of banks in Poland and across many other European countries. To set up BLIK for transactions, simply follow these steps:

1. Activate BLIK in your bank’s mobile app.
2. Link your phone number.
3. Set up biometrics and other security settings.
4. Start using BLIK for payments.

Comparing BLIK to Other Payment Methods

The main distinguishing feature between BLIK and other payment methods is that it is directly integrated with the user’s bank account. This bypasses the need for a separate application, digital wallet, or physical card. The table below compares this payment technology with others like PayPal, Apple Pay, and traditional card payments.

Generally, you should use BLIK instead of other payment options when:

• Security is a top priority (you want to make highly secure online purchases).
• You need to make instant P2P transfers (especially when you do not have the receiver’s bank account number).
• Fast merchant settlements (both online and in-store).
• You need to withdraw cash from an ATM, but don’t have your card.

Troubleshooting Common BLIK Issues

The BLIK payment option is generally very reliable. The vast majority of transactions are completed successfully with no issues. However, like every digital payment solution, issues may occasionally arise. The following are common issues users may encounter with this payment option and how to resolve them:

• Expired codes: A standard BLIK code is only valid for 2 minutes (120 seconds). This is usually enough time to enter the code and confirm the transaction in your app. If you’re unable to do this, simply generate a new code for the transaction and enter it immediately.
• App connection issues: The BLIK payment feature works within a traditional mobile banking app. If there’s an internet connectivity issue or a problem with the app, you may be unable to generate the code or confirm the payment. To troubleshoot, first confirm that your mobile data or Wi-Fi connection is active and stable. If it is, the problem might be with the app itself. You can restart the app, check for updates, or contact your bank’s support if nothing else works.
• Failed payments: In rare cases, users may experience a failed payment even after entering the code correctly and confirming the transaction. If this happens, confirm that you have sufficient funds in your account. Also, check your BLIK limit to ensure the transaction amount is not exceeded. Some failed payments may be due to issues with the merchant’s device, payment gateway problems, or incorrect (or unregistered) phone numbers for P2P payments. If all else fails, contact support to resolve failed BLIK transactions or disputes.

Benefits of Using BLIK

#1 Users Don’t Need to Carry Cards or Wallets

With BLIK, paying for goods and services is completely simplified. Users don’t have to carry a physical card, wallet or install an extra application on their device. Instead, they simply pay with their smartphones within their regular bank apps. BLIK also eliminates the need to look up special bank codes or use browsers to access your e-account. It processes transactions at lower costs compared to alternatives.

#2 It Makes Payments Easy

In fact, you can use BLIK nearly everywhere in Poland now. With the BLIK mobile payment system, you can make payments online quickly, withdraw cash from an ATM, make contactless payments in shops, and send money between phone numbers. The best part is that you don’t have to remember your friend’s long bank account numbers when sending money; you only need their phone number. Using BLIK also increases business credibility while making it easier for buyers to complete transactions.

#3 It’s a Secure Payment Method

Security is crucial in mobile development, especially when dealing with apps for transferring money between users. Using the BLIK mobile payment system is safe and reliable. Both the BLIK payment service and the application itself have multiple necessary security features.

To log in to your banking application, you must enter the PIN code provided during activation. Transactions made with the BLIK code must be confirmed with the one-time code and the “Accept” button. These extra security layers add only a few seconds to the transaction time while significantly boosting security.

BLIK Adoption and Future Outlook

So far, BLIK has achieved massive success in Poland. This payment technology has transformed the country’s digital payment landscape, as it is now accepted by most retailers and service providers. BLIK is also preparing to expand quickly across new markets.

The widespread adoption of this technology is due to its reliability and ease of use. It has become the preferred method for making e-commerce payments and facilitating P2P transfers. Estimates suggest that up to 70% of all e-commerce transactions made by customers of Polish banks are conducted through BLIK.

The company isn’t resting on its laurels. In 2022, BLIK acquired the Slovakian company VIAMO. This acquisition has played a major role in its move to integrate its services with banking apps in international markets, starting with Romania in 2023.

BLIK’s cross-border presence is also being significantly boosted through its partnership with Mastercard, allowing BLIK to be used for online payments at millions of international merchants.

BLIK has also partnered with several other banks and solution providers to maintain its strong and growing position. These strategic partnerships have helped the company retain its spot as one of the top companies in the alternative payments industry, acquiring more customers than any other service provider.

BLIK for Financial Institutions

Overall, BLIK is a great payment option for both businesses and consumers. Financial institutions, in particular, can benefit from using BLIK in many ways, including reducing fraudulent activities and increasing customer satisfaction.

It is faster, cheaper, and more efficient than existing systems, with the potential to revolutionize how financial institutions operate. With BLIK, banks and other financial institutions can facilitate instant payments, saving time and money for their end-users. Additionally, BLIK is more efficient than existing systems and comes with lower fees compared to alternatives.

Final Thoughts – Is BLIK the Future?

Platforms like BLIK are excellent examples of innovation in the modern payment industry. This technology is redefining cashless payments in Poland and several other European countries.

BLIK’s growing popularity shows how prioritizing speed, convenience, and security in payment processing helps service providers stay ahead in a competitive industry.

For businesses interested in adopting similar solutions, understanding how to create a payment gateway is essential to securely processing transactions and integrating smooth payment options like this.