BLIK Pay Later ("Płacę Później") is a BNPL payment service integrated with the BLIK system, allowing consumers to make online purchases and defer payment up to 30 days with 0% interest, provided the amount is paid on time. It operates under a personalized spending limit, determined based on individual creditworthiness. Learn more about BLIK Pay Later.

Payment method properties


Markets (consumer)	`PL`
Processing currencies	`PLN`
Consumer currencies	`PLN`
Authentication methods	`REDIRECT`
Authentication timeout	30 minutes
Minimum payment amount	30.00 PLN
Maximum payment amount	4,000.00 PLN (can vary by consumer)
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	13 months
Disputes	Yes
Settlement risk	No

Make a BLIK Pay Later payment

BLIK Pay Later payments follow our standardized REDIRECT payment flow. Enabling your consumers to provide the 6-digit BLIK code on your website or in-store 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_BNPL`
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.
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_BNPL",
    "amount": {
        "value": 3000,
        "currency": "PLN"
    },
    "consumer": {
        "name": "John Smith",
        "country": "PL"
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.ppro.com/"
            }
        }
    ]
}

Response

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

{
    "id": "charge_d3PU9htTLOQ2IXSTC988C",
    "paymentMethod": "BLIK_BNPL",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_uEAndU61oZPHWLVMTM3n8",
    "currency": "PLN",
    "country": "PL",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "name": "John Smith",
        "country": "PL"
    },
    "authenticationMethods": [
        {
            "details": {
                "requestUrl": "https://redirection-target.ppro.com",
                "requestMethod": "POST"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_2ZNLCGfjJ03xA6Z1tBnnt",
            "amount": 3000,
            "status": "AUTHENTICATION_PENDING",
            "createdAt": "2025-09-05T08:33:10.425Z",
            "updatedAt": "2025-09-05T08:33:10.425Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "voids": [],
    "createdAt": "2025-09-05T08:33:10.094Z",
    "updatedAt": "2025-09-05T08:33:10.425Z",
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_d3PU9htTLOQ2IXSTC988C/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_d3PU9htTLOQ2IXSTC988C/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_d3PU9htTLOQ2IXSTC988C/refunds"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_d3PU9htTLOQ2IXSTC988C/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.

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.

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"
}

Sandbox testing

On the sandbox environment, use the code 777nnn to simulate a successful payment.