BLIK

BLIK is a payment method in Poland that is integrated into several mobile banking applications. Shoppers can use their bank app to obtain a secure 6-digit code, or use BLIK OneClick, that allows shoppers to pay without the 6-digit code. To use OneClick, a shopper must first save the merchant as a trusted shop on their issuer app.

Shopper flow for BLIK

BLIK with code:

After a shopper selects BLIK on your website:

1. BLIK sends a six-digit code to the shopper's banking application.
   The code expires after 120 seconds.
2. The shopper enters the code into your payment form, and selects Pay.
3. BLIK sends a push notification to the shopper's banking app.
4. The shopper authorizes the payment in their banking app.
   They must authorize the payment within 45 seconds.

BLIK OneClick:

After a shopper selects BLIK on your website:

1. BLIK sends a six-digit code to the shopper's banking application.
   The code expires after 120 seconds.
2. The shopper enters the code into your payment form, and selects Pay.
3. BLIK sends a push notification to the shopper's banking app.
4. The shopper authorizes the payment in their banking app.
   They must authorize the payment within 45 seconds.
5. After the successful payment is displayed, the shopper can choose to save the shop for future purchases. Some banks allow shoppers to accept the invitation to save the shop on the payment confirmation screen.

Payment type	Payment flow	Countries	Currencies	Recurring	Refunds	Partial refunds	Multiple partial refunds	Separate captures	Partial captures	Multiple partial captures	Chargebacks
Online Banking	Additional action	PL	PLN

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