Integrate BLIK payments

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BLIK is currently the most popular payment method in Poland.

51% of online shoppers choose it to pay for their purchases.1

1 Source: Finance in Times of Inflation: A Study of the Attitudes and Behaviors of Polish Women and Men in the Financial Sector from 2017 to 2023. Autopay

Introduction to BLIK

BLIK is a revolutionary payment system that has transformed how consumers in Poland and beyond engage in financial transactions.

At its core, BLIK allows users to make secure and convenient payments online, at physical point-of-sale terminals, and to withdraw money from ATMs without the need for a physical card. Instead, transactions are authenticated using a unique, time-sensitive code generated within the user’s banking app.

How BLIK works

1. User authentication

To initiate a transaction, a user logs into their mobile banking app and selects the BLIK payment option.

2. Code generation

The app generates a 6-digit BLIK code, which is valid for a limited time, usually several minutes.

3. Code entry

The user enters this code at the online checkout, ATM, or point-of-sale terminal.

4. Transaction confirmation

The transaction is securely authenticated and processed through the user's bank, with funds being transferred almost instantly.

BLIK's simplicity and security have made it a popular choice among users who value ease of use and protection against fraud. Its integration into the majority of Polish banking apps ensures widespread accessibility, making it a versatile payment solution across various platforms and services.

Benefits of integrating BLIK for PSPs

Increased transaction security

BLIK significantly enhances transaction security for PSPs and their clients. By utilizing a unique, time-sensitive code for each transaction, BLIK minimizes the risk of fraud and unauthorized use.

This code-based system ensures that even if transaction data is intercepted, it cannot be reused, thereby reducing the likelihood of fraudulent transactions.

Moreover, the direct involvement of the customer's banking app in the transaction process adds an additional layer of security, further minimizing the risk of chargebacks and disputes.

Wider customer reach

BLIK's widespread adoption and popularity across Poland, and also increasingly on international markets, offers PSPs access to a wider customer base.

BLIK's integration caters to a demographic that prefers quick, secure, and easy-to-use payment methods.

By offering BLIK as a payment option, PSPs can attract customers who are looking for convenience and those who already trust and use BLIK for their transactions, thereby expanding their market reach and potential customer base.

Seamless integration

Integrating BLIK into existing payment systems is designed to be straightforward and hassle-free.

BLIK's API and software development kits (SDKs) are developed with ease of integration in mind, ensuring that PSPs can add BLIK as a payment option without extensive modifications to their current systems.

This ease of integration allows for a quick rollout of BLIK as a payment method, enabling PSPs to rapidly offer this option to their clients and end-users, without incurring significant development costs or downtime.

Enhanced customer experience

BLIK offers an exceptionally quick and user-friendly payment option that significantly enhances the customer experience. With just a few taps, customers can complete their transactions using the BLIK code, without the need to enter lengthy card details or undergo cumbersome authentication processes.

This streamlined payment process not only speeds up transactions but also reduces cart abandonment rates, leading to higher conversion rates for merchants.

By providing an efficient, hassle-free payment solution, PSPs can help their clients improve customer satisfaction and loyalty, contributing to long-term business growth.

About Autopay


the year we entered the market


banks and institutions are our trusted partners

50 000

online stores have chosen our online payment solutions

>10 bn

the value of transactions handled by us in 2023

Your trusted partner

From October 1, 2013, we enjoy the status of a national payment institution supervised by the Polish Financial Supervision Authority

Since 2011, pursuant to the consent of the National Bank of Poland, we have been conducting clearing and settlement activities supervised by the NBP.

We have obtained the PCI DSS and PCI 3DS certificates, enabling the processing of card data in IT systems and payment gateways.

We are listed as official suppliers for Visa and Mastercard.

Frequently asked questions (FAQ)

BLIK is designed to be highly versatile and can be integrated with a wide range of e-commerce platforms and Point of Sale (POS) systems. Its integration capabilities are facilitated through comprehensive API documentation and SDKs (Software Development Kits) that are made available to merchants and Payment Service Providers (PSPs). These resources are intended to ensure that BLIK can be smoothly incorporated into various payment processing systems, whether online or in physical retail environments.

For e-commerce platforms, BLIK integration allows online merchants to offer BLIK as a payment option on their websites or mobile apps, enabling customers to complete transactions using BLIK codes generated within their banking apps.

With full customer engagement and readiness for integration, the process typically spans several weeks, from the initial talks to being able to fully provide BLIK services to your merchants.

Yes, BLIK integration can be customized to fit specific business needs and customer interface requirements. BLIK provides flexible integration options and resources, including APIs and SDKs, that allow businesses to tailor the payment experience to their unique operational contexts and customer engagement strategies. This customization capability includes: branding, user interface design, payment flow customization and feature selection.

The aim is to provide a flexible platform that not only meets diverse business requirements but also enhances the payment experience for users. Engage with Autopay’s technical support team during the integration process to explore the full extent of customization options available for your specific case.

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