BLIK is a popular payment method in Poland, embedded in various mobile banking apps. Consumers use their banking app to obtain a secure 6-digit code and authenticate the payment. Learn more about BLIK.

Payment method properties


Markets	`PL`
Processing currencies	`PLN`
Consumer currencies	`PLN`
Settlement currencies	`PLN`
Authentication methods	`REDIRECT` `MULTI_FACTOR`
Authentication timeout
Minimum payment amount	0.01 PLN
Maximum payment amount	50,000.00 PLN (can vary by bank)
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	13 months
Disputes	Yes
Sandbox availability	BLIK sandbox

Make a BLIK payment

BLIK payments follow our standardized REDIRECT and MULTI_FACTOR payment flows. Enabling your consumers to provide the 6-digit BLIK code on your website or in-store for a more seamless experience.

To create a BLIK payment, you'll need to provide the following data at minimum when calling our payment charges API:

Field	Description
paymentMethod	`BLIK`
amount.value	The amount to be paid in the smallest units of the currency used.
amount.currency	`PLN`
consumer.name	Full name of the consumer.
consumer.country	The country where the consumer is shopping.
consumer.client.ip	The IP of the consumers browser or HTTP client. Required for the `MULTI_FACTOR` flow.
consumer.client.userAgent	The user agent of the consumer or HTTP client. Required for the `MULTI_FACTOR` flow.
authenticationSettings: REDIRECT settings.returnUrl	Add the URL where the consumer should be redirected after they complete the payment. Required for the `REDIRECT` flow.

Request

POST /v1/payment-charges

{
  "paymentMethod": "BLIK",
  "amount": {
    "value": 1000,
    "currency": "PLN"
  },
  "consumer": {
    "name": "John Smith",
    "country": "PL",
    "client": {
     "ip": "11.22.22.33",
     "userAgent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/135.0.0.0 Safari/537.36"
    }
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
  "id": "charge_bwAETN9BnQemLChVjSzLt",
  "paymentMethod": "BLIK",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_K7WokqNcs416KSlLPFo2i",
  "currency": "PLN",
  "country": "PL",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "name": "John Smith",
    "country": "PL",
    "client": {
      "ip": "11.22.22.33",
      "userAgent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/135.0.0.0 Safari/537.36"
    }
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "POST"
      },
      "type": "REDIRECT"
    },
    {
      "type": "MULTI_FACTOR"
    }
  ],
  "authorizations": [
    {
      "id": "authz_XJjk7r3djaBAJkpKobQYa",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-06-21T13:04:45.837Z",
      "updatedAt": "2025-06-21T13:04:45.837Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2025-06-21T13:04:45.662Z",
  "updatedAt": "2025-06-21T13:04:45.837Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_bwAETN9BnQemLChVjSzLt/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_bwAETN9BnQemLChVjSzLt/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_bwAETN9BnQemLChVjSzLt/refunds"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_bwAETN9BnQemLChVjSzLt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

MULTI_FACTOR

Ask your consumer for the OTP required to authenticate the payment.
Issue the following request to POST /v1/payment-charges/{paymentChargeId}/authorizations

{
  "authenticationResult": {
    "type": "MULTI_FACTOR",
    "details": {
      "verificationCode": "124567"
    }
  }
}

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

MULTI_FACTOR

Check the response from the POST /v1/payment-charges/{paymentChargeId}/authorizations and use the Status that you received to display the payment outcome to the consumer.
Webhooks are also sent to inform you of the payment outcome.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created for BLIK, with no additional data provided.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_K7WokqNcs416KSlLPFo2i",
    "type": "PASSTHROUGH_WALLET"
}