BLIK

What BLIK does

BLIK is Poland's dominant mobile payment standard, operated by Polski Standard Płatności S.A. (PSP), a private joint-stock company headquartered in Warsaw and owned jointly by Poland's largest banks (PKO Bank Polski, mBank, ING Bank Śląski, Santander Bank Polska, Bank Millennium, Alior Bank) together with Mastercard. The platform enables consumers to make online, in-store, ATM, and peer-to-peer payments using a single-use 6-digit code generated inside the mobile app of any of 21 partner banks — no separate application or registration is required. PSP also operates add-on modules including BLIK Płacę Później (BNPL up to 4,000 PLN over 30 days), BLIK Płatności Powtarzalne (recurring payments), BLIK Zbliżeniowy (contactless NFC via Mastercard), BLIK Czeki (one-time 9-digit checks for ATM and merchant payouts), and OneClick/codeless checkout. International operations exist via BLIK SK a.s. (Slovakia, via the rebranded VIAMO platform, launched commercially September 2024 through Tatra banka) and BLIK Romania S.A. (operational authorization October 2024, bank integrations expected 2026), with Euro P2P interoperability pilots completed with Spain's Bizum and Portugal's MB WAY in 2025.

BLIK is reported as Europe's largest mobile payment system by transaction volume, processing 1.39 billion transactions worth PLN 207.3 billion (~€48.6 billion) in H1 2025 and 785.7 million transactions worth PLN 121.7 billion in Q4 2025 alone, with a Polish active user base of approximately 20 million. Revenue is generated primarily through merchant transaction fees paid by acquiring banks and payment aggregators (Adyen, Stripe, PayU, Przelewy24, Worldline, Viva.com, Checkout.com, Nuvei, etc.), complemented by BNPL interest on late repayments and API/platform access fees for PSPs and aggregators; the service is free for end consumers. The system is classified by Narodowy Bank Polski as a 'significant retail payment system' and holds ISO/IEC 27001 certification. In February 2026, PSP's owners were reported to be considering a Warsaw IPO at a potential valuation of approximately $2 billion to fund further international expansion, with PSP chair Szymon Midera stating that remaining Poland-only is not viable.

Name

BLIK

Legal name

Polski Standard Płatności S.A.

Website

https://blik.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

BLIK is Poland's dominant mobile payment standard, operated by Polski Standard Płatności S.A. and embedded in 21 partner banks' apps, serving ~20 million users with online, in-store, ATM, and P2P payments via a 6-digit code, now expanding into Slovakia and Romania.

Ownership category

akta.pro rank

Product category

Mobile Payment Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

akta.pro secondary industries

Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Trade & Invoice Payments (Cross-Border B2B) (FSAMAIAL), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

Keywords

• Mobile payments
• Payment network
• Account-to-account transfers
• Buy now pay later
• Contactless payments

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Transaction fees from merchants: BLIK charges merchants and acquiring banks a transaction fee ( interchange equivalent) for each payment processed via BLIK. This is the primary revenue stream, similar to card network fees. Merchants pay a percentage or fixed fee per transaction when customers pay via BLIK at checkout.
2. BNPL interest and fees (BLIK Płacę Później): BLIK Płacę Później generates revenue through interest charged on late repayments. If the user repays within 30 days, no fees are charged. Late payments accrue interest calculated per the Polish Civil Code maximum rate. BLIK earns a share of these late fees.
3. API/platform access fees: Payment aggregators, PSPs, and acquiring banks integrate BLIK's payment APIs and pay fees for接入. Revenue is shared between BLIK, the aggregator, and the issuing bank.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

BLIK is a mobile payment system operated by Polski Standard Płatności S.A. that enables consumers to make payments, transfers, and cash withdrawals using a one-time 6-digit code generated within their existing bank mobile app. It supports online checkout, in-store POS payments, ATM cash withdrawals/deposits, and phone-to-phone P2P transfers across 21 partner banks and via numerous payment aggregators in Poland. The platform extends through add-on modules including BNPL (BLIK Płacę Później), recurring payments, contactless NFC, BLIK Czeki (one-time codes), and OneClick silent authorization, with cross-border euro pilots connecting to Bizum (Spain) and MB WAY (Portugal).

Product overview

BLIK is a unified mobile payment platform operated by Polski Standard Płatności S.A. (PSP) that serves as Poland's dominant national payment standard, developed collaboratively by major Polish banks and backed by Mastercard. The core BLIK product provides a 6-digit one-time code authentication mechanism accessible through 21 bank applications, supporting online payments, in-store terminal payments, ATM cash withdrawals/deposits, and phone-to-phone transfers. The platform extends through several integrated modules: BLIK Płacę Później (BNPL offering deferred payments up to 4,000 PLN over 30 days), BLIK Płatności Powtarzalne (Recurring Payments for subscription management), BLIK zbliżeniowy (contactless NFC tap-to-pay, powered by Mastercard), BLIK Płatności bez kodu (OneClick payments with optional silent auto-authorization), BLIK Czeki (prepaid checks for ATM/service payments), and cross-border Euro P2P transfers through European interoperability agreements. BLIK's international expansion includes BLIK SK (Slovakia) and BLIK Romania (planned). Merchants integrate via numerous payment acquiring agents including PayU, Przelewy24, Adyen, Stripe, and others, with comprehensive technical documentation and certification processes.

Differentiator

Problem solved

Functional benefit

Brands

• BLIK Płacę Później: Buy Now, Pay Later (BNPL) deferred payment service allowing purchases with up to 30 days to repay and limits up to PLN 4,000.
• BLIK Płatności Powtarzalne
• BLIK zbliżeniowy (Contactless BLIK)

Products and services

• BLIK Core mobile payment system that enables consumers to pay online, in-store at POS terminals, withdraw/deposit cash at ATMs, and send P2P transfers using a one-time 6-digit code generated within their bank's mobile app. Integrated across 21 Polish banks and accessible via payment aggregators; free for end-users.
• BLIK Płacę Później (BNPL) Buy Now, Pay Later (BNPL) service integrated into the BLIK payment flow, offering deferred payments of up to 4,000 PLN with repayment within 30 days at no cost if paid on time. Credit limit is determined based on user creditworthiness; late payments accrue interest per Polish Civil Code maximum rate.
• BLIK Czeki (BLIK Checks) 9-digit one-time codes secured with a 4-digit PIN that allow cash withdrawals at ATMs or in-store payments without needing a banking app. Used by businesses for disbursing rewards, payouts, and employee benefits; recipients can cash out at ATMs or pay at participating merchants.
• BLIK dla Biznesu (Business Solutions) Comprehensive merchant-facing suite including online payment integration for e-commerce checkout, in-store POS terminal payments (including BLIK Zbliżeniowy contactless), and BLIK Checks for payouts. Supported by extensive documentation, certification processes, and integration via payment acquiring agents and aggregators.

Quantifiable outcome

• 1.39 billion transactions worth PLN 207.3 billion in H1 2025 — Europe's largest mobile payment system by volume
• +5 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

Feature6 records

Partnerships

15 partnerships are on record, tiered minor, major and core.

• BooksyminorChannel Partner/ Reseller/ Distributor · 1 September 2025BLIK payments became available in the Booksy beauty and wellness appointment booking app in September 2024, allowing Booksy customers to pay for services via BLIK.
• Vodeno and Aion BankmajorStrategic or Co-development Partner · 1 August 2025PSP announced a strategic partnership with Vodeno (a cloud-native banking platform) and Aion Bank in August 2024, enabling BLIK integration for Aion's digital banking customers and supporting BLIK's technology modernization.
• European Payment Associations / EMPSAmajorStrategic or Co-development Partner · 1 January 2025BLIK participates in European Mobile Payment Systems Association (EMPSA) and collaborates with European payment associations (Spain's Bizum, Portugal's SIBS/MB WAY, Italy, Nordic countries) on cross-border interoperability pilots, enabling phone-number-based transfers across national systems.
• Bizum (Spain)majorTechnology or Integration · 1 January 2025BLIK completed a pilot euro transfer from Spain's Bizum payment system to a Polish PKO Bank Polski account using phone number identification (2025-2026 pilot). This demonstrated interoperability between BLIK and Bizum as part of BLIK's euro P2P pilot launched in late 2025.
• SIBS / MB WAY (Portugal)majorTechnology or Integration · 1 January 2025BLIK conducted cross-border euro transfer pilots with Portugal's MB WAY (operated by SIBS), collaborating with Santander Bank Polska. These pilots established technical capability for cross-border phone-number transfers across different national payment infrastructures.
• Erste Bank (Slovakia/Czechia)minorChannel Partner/ Reseller/ Distributor · 1 January 2025Erste Bank appears as a BLIK partner on the blik.com website, suggesting integration or pilot discussions as part of BLIK's Central European expansion.
• RevolutmajorChannel Partner/ Reseller/ Distributor · 1 November 2024BLIK became available to Revolut customers in November 2024, adding one of Poland's largest fintech neobanks to the BLIK partner network.
• Tatra banka (Slovakia)coreChannel Partner/ Reseller/ Distributor · 1 September 2024Tatra banka is the first Slovak bank to launch BLIK commercially, going live in September 2024 as part of the commercial start of BLIK in Slovakia.
• Google Play (Poland)minorChannel Partner/ Reseller/ Distributor · 1 June 2024BLIK payment capability was made available for Polish users of the Google Play Store in May 2024, enabling BLIK as a payment method for app purchases and subscriptions.
• Viva.comminorChannel Partner/ Reseller/ Distributor · 1 June 2024European payment acquirer Viva.com made BLIK available to its merchant network in June 2024, expanding BLIK acceptance for European merchants serving Polish consumers.
• BLIK Romania S.A.coreStrategic or Co-development Partner · 1 January 2023Polski Standard Płatności established BLIK Romania S.A. in 2023 to expand BLIK into the Romanian market. The company received operational authorization from Romanian regulators in October 2024, with at least three Romanian banks expected to integrate BLIK in 2026.
• VIAMO (acquired, rebranded BLIK SK a.s.)coreStrategic or Co-development Partner · 1 January 2022PSP acquired 100% of Slovak mobile payment platform VIAMO (approved by the National Bank of Slovakia in 2023, finalized in May 2023). VIAMO was rebranded to BLIK SK a.s. and provides the foundation for BLIK's international expansion into Slovakia and potentially the broader eurozone. Commercial launch via Tatra banka began September 2024.
• AdyenmajorChannel Partner/ Reseller/ Distributor · 1 January 2020Global payments provider Adyen makes BLIK available to international e-commerce platforms serving Polish customers. Adyen's global merchant network can offer BLIK as a preferred local payment method.
• PPRO (first international e-commerce partner)majorChannel Partner/ Reseller/ Distributor · 1 January 2019PPRO was the first international partner of PSP in e-commerce, enabling BLIK payments in foreign online stores. PPRO's platform allows international merchants to accept BLIK from Polish consumers shopping abroad.
• Mastercard (contactless payments partnership)coreTechnology or Integration · 1 January 2019PSP and Mastercard entered a strategic partnership in 2019 to enable BLIK's contactless NFC payment capability (BLIK Zbliżeniowy), allowing users to pay by tapping their phone at POS terminals without entering a code. The first 6 banks to deploy were Alior Bank, ING, Millennium, mBank, PKO Bank Polski, and Santander.

Scale indicators9 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Swish: Swish is Sweden's real-time mobile payment system jointly owned by major Swedish banks, enabling P2P and merchant payments via phone number. It is a near-identical model to BLIK — bank-led, app-embedded, national standard — and is part of the EMPSA cross-border interoperability initiative.
• TWINT: TWINT is Switzerland's dominant mobile payment app, owned by Swiss banks and used for P2P, online, and in-store payments. It is comparable to BLIK as a bank-led national A2A scheme with broad consumer adoption and is one of the few European peers to operate at comparable national-market scale.
• MobilePay: MobilePay is a Nordic mobile payment platform (originally Danish, now part of the Vipps MobilePay merger) that started as a bank-led P2P solution. It mirrors BLIK's evolution from P2P transfers to a full merchant payment system and is part of the same EMPSA cross-border initiative.
• Vipps: Vipps is Norway's leading mobile payment app, formed by Norwegian banks and now expanding across the Nordics. Like BLIK, it is bank-owned, embedded in bank apps, and supports P2P, in-store, and online payments, making it one of the closest functional comparables.
• MB WAY (SIBS): MB WAY is Portugal's dominant mobile payment platform, owned by SIBS and integrated with Portuguese bank apps. It is a direct peer to BLIK in terms of bank-app-embedded national payment scheme and is currently piloting cross-border transfers with BLIK.
• Bizum: Bizum is Spain's national mobile payment system operated by Spanish banks, enabling instant P2P transfers and online/in-store payments via phone number. It is the most direct analogue to BLIK, and the two are already conducting cross-border euro P2P pilots together.
• Bancomat Pay: Bancomat Pay is the Italian mobile payment service linked to the Bancomat network, supporting P2P, e-commerce, and in-store payments via bank apps. It is a direct peer in the EMPSA cross-border interoperability network alongside BLIK, Bizum, and MB WAY.

Emerging players

• Payconiq: Payconiq is a Benelux-focused mobile payment platform supporting QR-based P2P and merchant payments. While smaller than BLIK, it competes in the European A2A space and is part of the broader European mobile payment interoperability ecosystem.
• Wero (European Payments Initiative): Wero is the European Payments Initiative's unified mobile and online payment wallet backed by major European banks. It is an emerging pan-European A2A player that competes with national schemes like BLIK for the position of dominant European mobile payment standard.

Broad incumbents

• Mastercard Move: Mastercard Move is Mastercard's cross-border P2P and disbursements platform, offering account-to-account transfers globally. It is a broad incumbent competing for the same cross-border payment volume that BLIK targets with its Bizum and MB WAY euro pilots.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/BLIKmobile
• YouTubeyoutube.com/channel/UCNiSe795soA7Leip85Ne-pQ
• Facebookfacebook.com/blikmobile
• LinkedInpl.linkedin.com/company/polski-standard-p%C5%82atno%C5%9Bci---polish-payments-standard
• Instagraminstagram.com/blikmobile

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BLIK