BLIK supports recurring payments, and we streamline this process for you with Payment agreements.

BLIK provides a flexible and automated solution designed for merchants managing subscription or usage based payments. Learn more.

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Important
The maximum amount of a single recurring payment charge is 2,000 PLN.
Recurring is only available through the MULTI_FACTOR payment flow.

Create the payment agreement

To create a BLIK payment agreement, provide the following information when calling our payment agreements endpoint:

Data Field	Description
`paymentMethod`	`BLIK`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`PLN`
`conumer.name`	Full name of the consumer.
`consumer.country`	The country of residence of the consumer.
`consumer.client.ip`	The IP of the consumers browser or HTTP client. This is required for the `MULTI_FACTOR` payment flow.
`consumer.client.userAgent`	The user agent of the consumer or HTTP client. This is required for the `MULTI_FACTOR` payment flow.

You can also include the initialPaymentCharge object in this agreement creation call to immediately initiate the first payment without making a separate call. If you include this object, you'll need to specify:

The exact amount.value and amount.currency of the first payment

If you don't include an initialPaymentCharge during agreement creation, you'll need to make a separate API call to /v1/payment-agreements/{agreement_id}/payment-charges to create the first charge.

Request

POST /v1/payment-agreements

{
  "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"
    }
  },
  "paymentMethod": "BLIK",
  "startDate": "2026-03-26T20:24:27Z",
  "endDate": "2026-11-27T09:30:00Z",
  "authenticationSettings": [
    {
      "type": "MULTI_FACTOR",
      "settings": {
        "verificationCode": "999009"
      }
    }
  ]
}

{
  "paymentMethod": "BLIK",
  "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"
    }
  },
  "initialPaymentCharge": {
    "amount": {
      "value": 1000,
      "currency": "PLN"
    }
  },
  "authenticationSettings": [
    {
      "type": "MULTI_FACTOR",
      "settings": {
        "verificationCode": "999009"
      }
    }
  ]
}

Response

You'll receive a response with the available authentication methods:

{
  "id": "agr_kldVsUfaTdcCIpT8bBIWo",
  "status": "AUTHENTICATION_PENDING",
  "paymentMethod": "BLIK",
  "startDate": "2025-04-15T16:20:13.302Z",
  "instrumentId": "instr_gQHo8F6xz3kOegCiaimw0",
  "consumer": {
    "name": "John Smith",
    "country": "PL"
  },
  "authenticationMethods": [
    {
      "type": "MULTI_FACTOR"
    }
  ],
  "history": [
    {
      "id": "ahist_mEs8D2aCSaoSgtex0gzWx",
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-04-15T16:20:13.951Z"
    }
  ],
  "createdAt": "2025-04-15T16:20:13.951Z",
  "updatedAt": "2025-04-15T16:20:13.951Z"
}

{
  "id": "agr_gFCDp991mUCjWVypLEvfZ",
  "status": "AUTHENTICATION_PENDING",
  "paymentMethod": "BLIK",
  "instrumentId": "instr_hLOqf7bZvyo98kqT4Spio",
  "consumer": {
    "name": "John Smith",
    "country": "PL"
  },
  "authenticationMethods": [
    {
      "type": "MULTI_FACTOR"
    }
  ],
  "history": [
    {
      "id": "ahist_8WvsAUIuUR9lYCajdkPsv",
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-04-10T13:31:39.222Z"
    }
  ],
  "initialPaymentChargeId": "charge_QQu5vY0HQYKIvsa7OO6Hx",
  "createdAt": "2025-04-10T13:31:39.222Z",
  "updatedAt": "2025-04-10T13:31:39.222Z"
}

Pick the desired authentication method

MULTI_FACTOR

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

{
  "authenticationResult": {
    "type": "MULTI_FACTOR",
    "details": {
      "verificationCode": "777123"
    }
  }
}

Handling the result

MULTI_FACTOR

Check the response from the POST /v1/payment-agreements/{agreementId}/authorizations and use the Status that you received to display the agreement and/or payment outcome to the consumer.
Webhooks are also sent to inform you of the payment outcome.
Store the Payment Agreement ID for subsequent payments.

Create a recurring payment

To initiate a subsequent recurring payment, send a request against an active agreement using our payment agreements API.

Request

POST /v1/payment-agreements/{agreement-id}/payment-charges

{
  "amount": {
    "value": 1000,
    "currency": "PLN"
  }
}

Response

{
    "id": "charge_WLnk5R2RKwzAinkEoAMm0",
    "paymentMethod": "BLIK",
    "currency": "PLN",
    "country": "PL",
    "instrumentId": "instr_86xMmxSjrVafelQgtAXxr",
    "status": "CAPTURED",
    "consumer": {
        "name": "John Smith",
        "country": "PL"
    },
    "authorizations": [
        {
            "id": "authz_nx4VgDiibOTPoYgXxQbrL",
            "amount": 1000,
            "status": "AUTHORIZED",
            "createdAt": "2025-04-10T16:28:40.150Z",
            "updatedAt": "2025-04-10T16:28:40.150Z"
        }
    ],
    "captures": [
        {
            "id": "capture_aJh1kGwLdwK8S3aFCeWFV",
            "amount": 1000,
            "status": "CAPTURED",
            "createdAt": "2025-04-10T16:28:40.150Z",
            "updatedAt": "2025-04-10T16:28:40.150Z"
        }
    ],
    "refunds": [],
    "discards": [],
    "voids": [],
    "createdAt": "2025-04-10T16:28:38.716Z",
    "updatedAt": "2025-04-10T16:28:40.150Z"
}