Polski Standard Platnosci

Name

Polski Standard Platnosci

Legal name

Polski Standard Płatności

Website

https://polskistandardplatnosci.pl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Mobile Payments

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC)

akta.pro secondary industries

P2P Transfers & Remittances Platforms (BPAMAFAE), Alternative Payment Methods (APMs) Enablement (BNPL, wallets, local methods) (FSAMACAE), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO)

Keywords

• Mobile payment system
• Mobile payments platform
• P2P money transfers
• Buy now pay later
• Payment processing services

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction fees from merchants: BLIK charges merchants transaction fees for processing payments through the BLIK system at online and physical retail locations
2. Interchange fees from ATM transactions: Revenue generated from cash withdrawals and deposits at ATMs using BLIK codes

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

Polski Standard Platnosci operates the BLIK mobile payment standard, a unified platform embedded within 21 Polish banking applications that enables users to initiate secure transactions using a one-time 6-digit code. The system supports online and in-store payments, ATM cash withdrawals and deposits, and phone-number-based P2P transfers, with additional modules for buy-now-pay-later deferred payments, currency conversion, and tax payments via the government mObywatel app.

Product overview

BLIK is a unified mobile payment system operated by Polski Standard Płatności, offering multiple payment capabilities through a single platform accessible via 21 participating bank applications. The core BLIK product generates a 6-digit one-time code for authentication. The platform includes core payment features: online payments, in-store point-of-sale payments, ATM cash withdrawals/deposits, and phone-to-phone money transfers (Przelew na Telefon). Add-on modules include BLIK Płacę Później (Buy Now Pay Later with 30-day settlement), a currency calculator, and integration with the Polish government mObywatel app for tax payments. Business solutions include online payment processing, point-of-sale terminals, and voucher/prepaid card alternatives. Recent expansion includes cross-border EuroPA pilot for euro-denominated P2P transfers across European countries.

Differentiator

Problem solved

Functional benefit

Products and services

• BLIK Mobile Payments Core mobile payment system using a one-time 6-digit code generated in the user's banking application, valid for 2 minutes, to authorize transactions at online merchants, in-store terminals, and ATMs. Accessible through 21 banking applications in Poland.
• BLIK Płacę Później (Pay Later) Deferred payment service allowing users to make purchases now and pay within 30 days, integrated into participating bank applications.
• BLIK for Business - Online Solutions Payment processing solution for e-commerce merchants enabling them to accept BLIK payments for online transactions via checkout integration.
• BLIK for Business - Point-of-Sale Solutions Payment terminal solutions for physical retail locations enabling merchants to accept BLIK payments at checkout through POS terminals.
• BLIK Czeki (Vouchers) Prepaid voucher alternative to prepaid cards, offered as a business solution for various use cases including gifting and corporate disbursements.
• EuroPA Cross-border Mobile Payments Pilot cross-border mobile payment service enabling euro-denominated P2P transfers with European payment providers across 10 countries as part of the unified European payments market.

Quantifiable outcome

• Nearly 3 billion transactions processed in 2025
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

17 partnerships are on record, tiered flagship, core and minor.

• EuroPA Initiative PartnersflagshipStrategic or Co-development Partner · 14 November 2025European Payment Association initiative for cross-border mobile payments. BLIK participates in pilot program for euro-denominated P2P transfers with other European payment providers across 10 countries, demonstrated at Web Summit 2025
• PKO Bank PolskicoreTechnology or IntegrationMajor Polish bank integrating BLIK payment functionality into its mobile banking application, enabling customers to make payments using BLIK codes
• mBankcoreTechnology or IntegrationLeading Polish digital bank offering BLIK payment capabilities in its mobile banking platform
• ING Bank ŚląskicoreTechnology or IntegrationPolish subsidiary of ING Group integrating BLIK codes into its mobile banking application
• Alior BankcoreTechnology or IntegrationPolish bank partner providing BLIK payment functionality through its mobile banking app
• Bank MillenniumcoreTechnology or IntegrationBank Millennium integration of BLIK for mobile payments via its banking application
• Bank Pekao S.A.coreTechnology or IntegrationOne of Poland's largest banks offering BLIK payment functionality to its mobile banking customers
• Credit AgricolecoreTechnology or IntegrationFrench banking group subsidiary in Poland integrating BLIK in its mobile banking services
• BNP ParibascoreTechnology or IntegrationInternational banking group operating in Poland via BNP Paribas Bank Polska with BLIK integration
• Erste BankcoreTechnology or IntegrationAustrian banking group operating in Central Europe with BLIK integration for Polish operations
• RevolutcoreTechnology or IntegrationGlobal fintech company offering BLIK payment capabilities to its Polish customers in partnership with Polski Standard Płatności
• UniCreditcoreTechnology or IntegrationItalian banking group with Polish operations offering BLIK through its mobile banking platform
• VeloBankcoreTechnology or IntegrationPolish bank (formerly Getin Bank) providing BLIK payment functionality
• Banki Spółdzielcze SGBcoreTechnology or IntegrationCooperative banking group network in Poland integrating BLIK for its member banks
• Grupa BPScoreTechnology or IntegrationPolish cooperative banking group (Bank Polskiej Spółdzielczości) with BLIK integration
• Nest BankcoreTechnology or IntegrationPolish digital bank offering BLIK functionality through its mobile application
• MediaMarktminorChannel Partner/ Reseller/ DistributorConsumer electronics retailer partnership for BLIK payment acceptance with promotional campaigns

Scale indicators4 records

Recent moves5 records

Broad incumbents

• Apple Pay: Global NFC-based mobile wallet from Apple with growing adoption in Poland. Competes with BLIK at in-store POS and is a key competitive threat as it integrates at device OS level rather than through bank apps.
• Pix: Brazilian central-bank-operated instant payment system processing billions of transactions. Comparable to BLIK as a dominant real-time payment scheme, though operated by central bank rather than a private bank consortium.
• UPI (Unified Payments Interface): India's real-time mobile payment system developed by NPCI, enabling interoperable P2P and merchant payments via mobile apps. Comparable scale and ambition to BLIK at a much larger geographic scope.

Emerging players

• Revolut: UK-headquartered global fintech and BLIK partner offering BLIK functionality to its Polish users. Also competes with BLIK as Revolut expands its own payment and P2P capabilities across Europe.
• Twisto: Polish-origin BNPL provider operating in Polish and Czech markets. Comparable to BLIK's new BLIK Płacę Później (30-day deferred payment) product in serving the Polish BNPL use case.

Direct peers

• Swish: Swedish mobile payment system jointly owned by major Swedish banks, enabling P2P transfers and merchant payments via mobile phone. Closest international analogue to BLIK with similar bank-embedded model and dominant domestic market share.
• Bizum: Spanish instant mobile payment platform operated by Spanish banks, enabling P2P transfers via phone number and online/in-store payments. Direct functional and structural peer to BLIK in the Spanish market.
• Vipps: Norwegian mobile payment app (part of Vipps MobilePay) used by nearly all Norwegian bank customers for P2P transfers and merchant payments. Comparable to BLIK as a dominant Nordic real-time mobile payment scheme.
• Payconiq: Benelux-based mobile payment platform enabling QR-based and app-based payments at merchants. Similar model to BLIK in targeting bank partners and merchant acceptance across a multi-country European footprint.
• MobilePay: Danish-origin mobile payment platform now part of Vipps MobilePay (Nordics joint venture). Provides P2P and merchant payments integrated with Nordic banking apps, directly comparable to BLIK's bank-app integration model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Polski Standard Platnosci