BLIK FOR BUSINESS

GROW YOUR BUSINESS WITH BLIK

Give your customers what they want with simple and secure payments from BLIK. With thousands of transactions per hour, millions of satisfied users and dozens of partners BLIK is a proven leader in mobile payment.

OUR MISSION

BLIK IS ABOUT GIVING EVERYONE  ACCESS TO THE SIMPLICITY AND  CONVENIENCE OF ONLINE  PAYMENTS

We created BLIK, because we believe that everyone should be able to quickly and securely make online payments. We are driven by our client’s needs – offering simple transfers between customers, banks and acquirer.

OUR HISTORY

A COMMON PURSUIT OF  DEVELOPING THE BEST PAYMENT  TECHNOLOGY

BLIK was born in spite of competition. Poland’s six largest  banks came together to establish  Poland as the global leader in  payment by creating a universal  and convenient payment solution.

2013

The 6 largest Polish banks: Alior Bank, Bank Millennium, Bank Zachodni WBK, ING Bank Śląski, mBank and PKO Bank Polski create Polish Payment Standard LLC.

2014

PSP receives legal consent for the BLIK mobile payments system from the NBP.

2015

BLIK, an innovative mobile payment system, appeared on the market on February 9. In half a year, BLIK got the first million users.

2016

Availability of BLIK in e-commerce sector reached 100% – a radical increase in transactions.

2017

As many as 4.5 million Poles – more than half of mobile banking users in Poland – regularly use BLIK. Poles made almost 13 million BLIK transactions in the first half of 2017.

NEWS/04 Nov 2019

POLISH LOCAL PAYMENT METHOD BLIK GOES GLOBAL – PPRO BECOMES FIRST INTERNATIONAL PARTNER

Polish consumers are now able to shop and pay at more places online direct from their mobile phone via BLIK, thanks to a partnership between PPRO, the leading global payments platform, and the Polish Payment Standard (PPS), operator of BLIK. International retailers wanting to close sales with Polish ... more

NEWS/17 Oct 2019

BLIK users will pay contactless. Polski Standard Płatności and Mastercard sign strategic cooperation agreement.

BLIK users will pay contactless. Polski Standard Płatności and Mastercard sign strategic cooperation agreement.   Warsaw, 15th October, 2019 – Polski Standard Płatności, the operator of the mobile payment scheme BLIK and Mastercard, start strategic cooperation. This is the implementation of ... more

NEWS/17 Dec 2018

Mastercard and Polish Payment Standard announce strategic alliance to offer new value to Polish consumers and financial institutions

Mastercard and Polish Payment Standard, the operator of BLIK, a Polish mobile payment system and scheme announce a strategic alliance between the companies. BLIK will contribute to the partnership a reliable mobile and online payment user experience, and consumer trust. Mastercard will bring its inn ... more
BLIK FOR BUSINESS
OUR MISSION
OUR HISTORY
Newsy

BLIK WHO’S IT FOR?

FOR ENTREPRENEURS

FOR ENTREPRENEURS

Your customers are obsessed with  their smartphones – and now they  are shopping and paying over  there phones more than ever. Help  make their lives easier! BLIK gives  your customers the freedom of  mobile payments.

BLIK offers more competitive rates  compared to other payment  methods. Use BLIK and increase  your company’s sales.

FOR BANKS

FOR BANKS

Show your clients that you care  about them – introduce them to  the flexibility of BLIK. Add BLIK to  your mobile app and give your  clients the most simple and secure  mobile payment solution.

You can use BLIK in-store, online, at  ATMs and CDMs. You can even  make P2P payments – all you need  is a phone number. BLIK gives your  customers access to a large and  dynamic payment network.

FOR ACQUIRERS

FOR ACQUIRERS

We know you need the most  effective payment method. That’s  what BLIK is for. Your customers  will be grateful for BLIK’s  convenience and partnership with  Poland’s banks – and you’ll love its  low prices.

BLIK is available to business with  Licensing from the National Paying  Authority, issued by KNF.

Blik OUR PRODUCTS

ONLINE
PAYMENTS

BLIK eCommerce and  mCommerce payments

ONLINE <br>PAYMENTS

The fastest, most convenient and  secure payment method available.  With BLIK, the user is in control  every step of the way. It allows for  recurring payments, and some  online stores partnered with BLIK  are “one click” enabled – no need to  enter your BLIK code!

IN-STORE
PAYMENTS

Paying with BLIK at POS terminals,  cash register systems, vending and  ticket machines

IN-STORE <BR>PAYMENTS

Thanks to our diverse range of  partners, BLIK offers customers an  extensive network of stores where  they can pay using BLIK. Now  everyone can pay with their  smartphone.

MAKE DEPOSITS AND  WITHDRAWALS AT ATMS

ATM deposits/withdrawals at ATMs

MAKE DEPOSITS AND  WITHDRAWALS AT ATMS

BLIK customers can now use their  phones to withdrawal and deposit   cash at over 70% of ATMs in Poland.

P2P TRANSFERS USING YOUR  PHONE NUMBER

Use your phone number to make  transfers with BLIK

P2P TRANSFERS USING YOUR  PHONE NUMBER

BLIK enables instant, interbank,  transfers. All you need is your  recipient’s phone number. No need  to enter a 26-digit account  number.

PARTNERS

We work with Poland’s largest  banks and acquirers.

News

04 Nov 2019

POLISH LOCAL PAYMENT METHOD BLIK GOES GLOBAL – PPRO BECOMES FIRST INTERNATIONAL PARTNER

Polish consumers are now able to shop and pay at more places online direct from their mobile phone via BLIK, thanks to a partnership between PPRO, the leading global payments platform, and the Polish Payment Standard (PPS), operator of BLIK. International retailers wanting to close sales with Polish customers can also receive payment simply and securely via BLIK.

 

PPRO is now a global direct processor and the first international partner for BLIK. This opens up acceptance for this popular local payment method across PPRO’s international acquirer and payment service provider network.

 

The partnership comes at a time when commerce is becoming increasingly cross-border. Customers are looking outside their home markets for a wider selection of goods and lower prices. 20% of B2C e-commerce will be cross-border by 2022, estimates research firm Forrester.[1] Yet while e-commerce is becoming more global, payment is becoming more local.

 

BLIK transactions are made bank account to bank account via a mobile front-end. Twelve participating banks and financial institutions have integrated BLIK into their mobile banking apps, which covers more than 90% of Polish bank customers. The strength of the proposition and support for this payment method locally means that BLIK transactions have almost trebled year-on-year.

 

“This co-operation is a milestone for us in publicising BLIK capabilities to online vendors internationally. The agreement with PPRO will enable many more acquirers to access this Polish payment method and extend it to their customers. Global payment operators have been showing increasing interest in BLIK for some while and we are convinced that our co-operation with PPRO will contribute to growing the e-commerce acceptance network,” said Monika Król, Vice President of the Management Board, Polish Payment Standard, the operator of BLIK.

 

BLIK offers real-time money on a mobile — a strong proposition of its time. Bank account-funded ‘push’ payments are popular in Western and Central Europe, where the percentageof banked adults (94%)[2] is much higher than the percentage of credit cardholders (45%)[3]. In Poland, bank transfer payment methods are particularly popular, accounting for 51% of payments online, compared to card payments at 20%.[4]

 

“The growing popularity of ‘push’ payments is being driven by consumers wanting more control over their finances and privacy and merchants wanting to reduce the cost and risk of payment acceptance. As such, we are delighted to be the first international partner for BLIK. Integrating directly with BLIK will help make processes smoother for end-consumers and merchants, and help boost successful sales. Our partners are already looking forward to this long-term partnership as much as we are,” said Jack Ehlers, Director of Product, Payment Networks and Business Development at PPRO.

 

About PPRO

Digital payments specialist PPRO removes the complexity of cross-border and domestic digital payments by acquiring, collecting and processing an extensive range of local payments methods for payment service providers under one contract, through one platform and one single integration. PPRO supports local payment methods across more than 100 countries, allowing payment service providers to expand customer reach, arrange hassle-free collection and achieve higher conversion rates for their merchants. Founded in 2006 PPRO is global financial institution with an e-money license issued by the Financial Conduct Authority, the UK financial regulatory body. For more information, please visit www.ppro.com

 

About BLIK

BLIK allows users to pay, withdraw and send money with their mobile phone. The system runs on real-time banking rails and is operated by the Polish Payment Standard (PSP). More than 90% of all clients of domestic financial institutions in Poland have access to BLIK via a mobile banking application.The shareholders of PSP are six Polish banks: Alior Bank, Bank Millennium, Santander Bank Polska, ING Bank Slaski, mBank and PKO Bank Polski. BLIK may also be used by the clients of Getin Bank, BNP Paribas, Credit Agricole, Inteligo, T-Mobile financial services and Bank Pekao S.A.

[1] ‘Cross-border e-commerce will reach $627 billion by 2022’, Forrester

Cross-Border eCommerce Will Reach $627 Billion By 2022

[2] World Bank Findex data, 2017

[3] ‘Payments and e-commerce report: Western and Central Europe’, PPRO, October 2019

[4] ‘Payments and e-commerce report: Western and Central Europe’, PPRO, October 2019

17 Oct 2019

BLIK users will pay contactless. Polski Standard Płatności and Mastercard sign strategic cooperation agreement.

BLIK users will pay contactless.

Polski Standard Płatności and Mastercard sign strategic cooperation agreement.

 

Warsaw, 15th October, 2019 – Polski Standard Płatności, the operator of the mobile payment scheme BLIK and Mastercard, start strategic cooperation. This is the implementation of the announcement from December 2018. Thanks to the partnership BLIK users will pay contactless.

 

The strategic cooperation between Polski Standard Płatności and Mastercard is a breakthrough moment in the further development of the BLIK mobile payment scheme. The collaboration will enable users to pay BLIK contactless with their smartphones, both in Poland and abroad. This will greatly increase the comfort of using BLIK when paying at points of sale (POS). Today, all POS terminals in Poland are equipped with contactless technology. In addition, by partnering with Mastercard, BLIK transactions will be accepted worldwide, in all POS terminals where Mastercard contactless payments are accepted. Hence, BLIK will become a universal global payment method.

 

–  We are consistently developing BLIK mobile payment scheme. Today it has become common in Poland. Users love this way of paying and transferring money. Now we are starting a new stage of our history, which will bring a completely new quality of BLIK user experience – says Dariusz Mazurkiewicz, president of Polski Standard Płatności, the operator of BLIK. – Cooperation with Mastercard will allow us to significantly accelerate further development and benefit all customers of banks who are willing to pay with BLIK. The BLIK mobile payment scheme was created through the agreement and cooperation of the largest banks in Poland. Now, thanks to cooperation with a strong, global partner begins a new stage of development – adds Mazurkiewicz.

 

BLIK’s contactless functionality will become available through the service’s integration with Mastercard Digital Enablement Service (MDES). As a result, POS mobile payments will be initiated and authenticated directly in the mobile banking app, which offers BLIK. MDES, Mastercard’s tokenization technology designed for digital era, enables generating tokens for cashless payment transactions, which allows to combine utmost security with the high level of convenience, bringing mobile contactless payments to thenext level. BLIK is available in most Polish banks, so 90% of customers using banking services will be able to take advantage of the new feature. The first contactless BLIK payment will occur within the next two quarters.

 

– We believe that the digital future will offer consumers new ways to pay for every-day shopping, bringing the transactions to new levels of speed, convenience and security. A significant part of these innovations will come to life as a result of collaboration and that is why Mastercard enters various partnerships. Thanks to cooperation with partners we can continue leading the digital revolution in payments and other financial services. Our agreement with Polish Payment Standard is a great example of such collaboration. We are excited to support BLIK in its international growth, helping to bring its advantages to customers in countries outside Poland – comments Bartosz Ciołkowski, general manager for Poland, Czech and Slovakia at Mastercard Europe.

 

Mastercard is the partner of choice for 60 FinTechs and digital banks across Europe, cooperating with themto bring out the best in innovation and to deliversafe and convenient digital payment solutions. Mastercard supports FinTechs in a number of ways, from programs likeStart Path Global or Accelerate, to cooperation platforms such as The Heart and its The Heart Ventures, a “startup factory”, to joint development of particular solutions, to direct investments.

 

Certain details of the terms of the agreement between PSP and Mastercard will be disclosed upon fulfilment of all formal conditions.

 

About BLIK

BLIK is a Polish mobile payment system and scheme launched in February, 2015. It is built on a partnership of Poland’s six largest banks and today is operated by company PSP (Polish Payment Standard).  The joint-venture was established in December 2013 by the six largest banks in Poland: Alior Bank, Bank Millennium, ING Bank Śląski, mBank, PKO Bank Polski, and Santander Bank. Recently, more banks joined and enabled their customers BLIK payments: Getin Bank, BNP Paribas, Bank Pekao S.A., Credit Agricole, Inteligo, T-Mobile Usługi Finansowe and SGB. Affiliated banks serve about twenty million customers – approximately 90% of the Polish market.BLIK allows its users to pay (by entering a 6-digit code) in desktop and mobile ecommerce, in-store, withdraw cash from ATMs. BLIK also enables users to make convenient P2P money transfers to domestic beneficiariesusing simple telephone number so without a need to know recipient IBAN (current account number).

 

About Mastercard

Mastercard (NYSE: MA), www.mastercard.com, is a technology company in the global payments industry.  We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories.  Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone.  Follow us on Twitter @MastercardNews, join the discussion on the Beyond the Transaction Blog and subscribe for the latest news on the Engagement Bureau.


17 Dec 2018

Mastercard and Polish Payment Standard announce strategic alliance to offer new value to Polish consumers and financial institutions

Mastercard and Polish Payment Standard, the operator of BLIK, a Polish mobile payment system and scheme announce a strategic alliance between the companies. BLIK will contribute to the partnership a reliable mobile and online payment user experience, and consumer trust. Mastercard will bring its innovative payment technology, internationally-recognized brand and global acceptance.

Together, Mastercard and BLIK will provide the ease of contactless payments to BLIK users at all Mastercard branded terminals globally, leveraging Mastercard virtual debit cards tokenized by Mastercard Digital Enablement Services (MDES). This will provide BLIK consumers the most convenient POS payment user experience including global contactless acceptance.

Additionally, Mastercard and Polish Payment Standard will open up cross-border e-commerce acceptance using recently-published Secure Remote Commerce standards (SRC), when available in market. This will allow BLIK consumers to use BLIK for global e-commerce payments.

Mastercard and Polish Payment Standard will also collaborate on BLIK expansion into new markets by acquiring consumers in countries outside Poland.

– Establishing a strategic alliance with Mastercard is a crucial moment for the development of BLIK, the Polish mobile payment system. BLIK users will be able to pay contactless soon, not only in Poland, but also globally. This is also the beginning of the way to offer BLIK payments to users of mobile bank apps internationally – says Dariusz Mazurkiewicz, president of the Polish Payment Standard, the BLIK operator.

– Mastercard is very excited about this partnership and we look forward to complement BLIK’s local mobile platform with our global reach, payments and security technology.  The primary focus of this cooperation is to benefit Polish consumers as they shop at home and around the world – comments Bartosz Ciołkowski, general manager for Poland at Mastercard Europe.

 

# # #

About BLIK

BLIK is a Polish mobile payment system and scheme launched in February, 2015. It is built on a partnership of Poland’s six largest banks and today is operated by company PSP (Polish Payment Standard).  The joint-venture was established in December 2013 by the six largest banks in Poland. The shareholders of PSP include: Alior Bank, Bank Millennium, ING Bank Śląski, mBank, PKO Bank Polski, and Santander Bank. Recently, more banks joined and enabled their customers BLIK payments: Getin Bank, BGŻ BNP Paribas, Raiffeisen Polbank, Bank Pekao S.A. and Credit Agricole. Affiliated banks serve about twenty million customers – approximately 90% of the Polish market. BLIK allows its users to pay (by entering a 6-digit code) in desktop and mobile ecommerce, in-store, withdraw cash from ATMs. BLIK also enables users to make convenient P2P money transfers to domestic beneficiaries using simple telephone number so without a need to know recipient IBAN (current account number).

About Mastercard

Mastercard (NYSE: MA), www.mastercard.com, is a technology company in the global payments industry.  We operate the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories.  Mastercard products and solutions make everyday commerce activities – such as shopping, traveling, running a business and managing finances – easier, more secure and more efficient for everyone.  Follow us on Twitter @MastercardNews, join the discussion on the Beyond the Transaction Blog and subscribe for the latest news on the Engagement Bureau.

27 Sep 2018

BLIK for clients of Polskie ePłatności

Polskie ePłatności (Polish ePayments) do not slow down the pace and adds BLIK to the methods of electronic payments. Responsible for the new channel will be the e-commerce part of the company, previously known as PayLane.

– Adding BLIK to the offer of electronic payment methods confirms our plan to build optimal, modern omnichannel solutions. First, we have provided BLIK in our terminals, now we enable paying with it on the very fast growing e-commerce market. Thanks to the choice of payment methods, the companies cooperating with us quickly build a competitive advantage on the market when it comes to safe and reliable non-cash transactions – says Karol Zieliński from Polskie ePłatności.

– Customers are constantly looking for faster and more intuitive online payments. BLIK responds to these needs. The most dynamically developing BLIK’s channel is e-commerce payments – almost two-thirds of all transactions. Thanks to the BLIK launch in Polskie ePłatności, its customers will be able to see how quick and convenient you can pay with it online – emphasizes Adam Kokoszkiewicz, director of the sales department of Polski Standard Płatności (Polish Payment Standard), BLIK operator.

09 Aug 2018

BLIK overtakes himself in the first half of 2018

Number of transactions equals to the results of whole last year

In second quarter of 2018 the number of BLIK transactions increased in all channels. At that time Poles used it more than 18,5 M times. It means that in the first half of 2018 BLIK was used almost 33 M times – same amount as in whole 2017.

BLIK beat another records in Q2 2018. With 18,5 M transactions, 12,9 M are online payments. It is 23% more than in Q1 2018. The popularity of others channels is also growing. In the last 3 months Poles used BLIK for ATM’s withdrawals 3 million times – it is 35 % more than in first quarter. Withdrawals are 19 % of all transactions in the period from April to June.

Most dynamically, almost twice compare to the first quarter, grew the number of BLIK payments at stores –  it amounted to one million (6 % of all transactions). The rest 5 % were transfers to a telephone number – 990 K –  it is 32% more than in first quarter of 2018.

– During last six months Poles paid, withdrew and transferred with BLIK almost 33 million times. BLIK’s popularity in Poland is still growing. Poles got used to BLIK standard of payment in the applications of their banks – says Dariusz Mazurkiewicz, CEO of Polish Payment Standard, BLIK’s operator.

Comparing Q2 of 2018 with Q2 2017, the number of transactions on the Internet has tripled, same as number of transfers to a telephone number. There were also 2,5 times more payments in stores, while the number of ATMs transactions increased more than 80 %.

– The popularity of BLIK is connected with comfort, safety and speed, as well as with growing number of places where you can use it and banks which provide it. In the first half of this year, three new banks joined BLIK: Raiffeisen Polbank, Credit Agricole and Bank Pekao S.A. With BLIK we can pay in whole Polish e-commerce, as well as in 290 thousand POS, and withdraw money from 19 thousand ATMs. All these elements make BLIK the first payment choice for many Poles –underlines Dariusz Mazurkiewicz.

In second quarter Poles made on average 203 K BLIK transactions per day – 142 K internet payments, 38 K ATMs transactions, 12 K POS payments and 11 K transfers to a telephone number. Daily transactions record is 271 K.

 

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AWARDS

We have won many prestigious  awards.

eDukat 2018

Polish Payment Standard won the eDukat 2018 for being “cashless world’s company of the year” during the 6th International Cashless Congress.

FutureTech Congress 2017

BLIK won in the Payment Solutions category in the competition organized during international FutureTech Congress 2017.

Mobility Trends

Polish Payment Standard won the  award for “Mobile payment of the  year 2017” at the Mobility Trends  competition. BLIK won following  an open internet vote.

Effie Awards

The Silver Effie Award in 2017 in the  “Finance” category for the “BLIK &  it’s done” marketing campaign.

eDukat

BLIK won an eDukat award 2016  and was recognized as a  “technology that changed the  non-cash payment market”. It was  awarded at the 4th International  Congress of Non-Cash Payments.

Efma-Accenture Innovation Award

The international Efma-Accenture  Innovation Award 2015 in the “Best  Innovation in Payments” category  for the launch of BLIK.

Mobile Trend Award

We won a Mobile Trend Award in 2015 in the ​“Company supporting  the development of mobile  technology” category for the  implementation of the BLIK  payment system.

Ekomers

We won third place in the “Debut  of the year” category at the  Ekomers competition in 2015,  which recognizes products that  contribute to the development of  the Polish e-commerce sector.

IT@BANK 2

BLIK won “Product of the Year”  IT@BANK awards in 2015 organized  by “BANK” magazine.

ABOUT US

PPS is a project created and led by  industry experts.

Our team is creating new payment methods that are revolutionizing mobile payments in Poland. Our team members have developed and implemented the most  innovative cashless payments, mobile banking and electronic banking programs. 

LEADERSHIP

Dariusz Mazurkiewicz

Dariusz
Mazurkiewicz

President of the Management Board 

President of the Management  Board of Polish Payment Standard

Dariusz Mazurkiewicz was  previously the Vice President of the  Management Board at PPS, and  formerly the Director of the  Product Development  Department.  Between 2010 and 2014, he was the  President of the Management  Board of SkyCash Poland SA, where  he developed SkyCash – an  innovative mobile payment service.

Between 2008 and 2010 he was the  President of the Management  Board at Bauer-Weltbild Media,  developing multichannel sales in  their media segment.

Between 2006 and 2008 he was  the Vice Chairman of the Management Board and the Financial Director at Interia.pl SA in  Cracow. From 2002 to 2006, he  worked in finance holding positions such as Management Controller and Finance Director at  the headquarters of the Michelin Group in France.
He is a graduated with a degree in  financial management at the  University of Economics in  Katowice and the Silesian  International School of Economics.  He has experience in the field of  corporate finance, e-commerce  and direct marketing.

Monika Król

Monika
Król

Vice President of the Management  Board

Vice President of the Management  Board

Monika Król has several years of  experience in the financial services  industry, extensive experience as  an entrepreneur, investor and as a  marketing and strategy consultant  for various B2C companies.

Between 2011 and 2014 she was the  Managing Director at Bank BPH,  where she was responsible for  Marketing Communications and  PR. From 2006-2011, she was the  Marketing Director  at Fortis Bank Polska SA, and after  the merger with BNP Paribas  Polska SA, she took over the  function of Marketing and  Corporate Communications  Director at BNP Paribas Group  Poland. Monika Król started her  banking career at CitiBank  Handlowy where she was a  Communications and Marketing  Manager.

Monika Król has extensive  experience in planning and  implementing marketing  strategies, the implementation of  new product and sales strategies,  and in managing change  processes in the organization. She  also has project management  experience as part of a bank  merger, and has led rebranding  and repositioning processes.

She is a graduate of the Faculty of  Law and Administration,  Department of Management and  Marketing, University of Adam  Mickiewicz in Poznan. She has also  completed managerial programs  at Harvard Business School  Executive Education and London  Business School.

SUPERVISORY BOARD

Piotr Puchalski

Piotr Puchalski

Chairman of the Supervisory Board

Director of the Department of  Basic Services and Non-Banking  Products at mBank.

He has been the Director of the  Department of Basic Services and  Non-Banking Products in the retail  group at mBank S.A., since April  2014. He is responsible for  acquisition strategy, distribution  and pricing policy in the field of  current accounts, payment cards,  payments and bancassurance.

He has held managerial roles in  core business and insurances  groups at mBank since 2008  He participated in key projects,  including “New mBank” as a  member of the operational  management of the project  responsible for business strategy,  planning and implementation. He  also created the mSaver regular  saving program and developed the  “direct” insurance platform at  mBank.

He previously held sales and  marketing positions at  Centralwings airlines LOT Polish  Airlines, amongst others.

He studied at the Faculty of  Management at the University of  Lodz and Universidad de Valencia  in Spain.

Tomasz Niewiedział

Tomasz Niewiedział

Vice Chairman of the Supervisory Board

Director of the mobile and internet  banking group at Bank Zachodni WBK.

Tomasz Niewiedział is a graduate of  the University of Adam Mickiewicz  in Poznań with degrees in  Computer Science and History.

He began working at the  Wielkopolski Bank Kredytowy in  1995 and later at Bank Zachodni  WBK.

In 2004, he became the Director of  the Application Development  Department and later as the  System Development Group  Director, he was responsible for the  development of banking systems.

Since 2013, he has been responsible  for business and development of  modern distribution channels,  managing the Mobile and Internet  Banking Group.

Barbara Borgieł-Cury

Barbara Borgieł-Cury

Secretary of the Supervisory Board

Director of the Daily Banking Agile  Centre for the Retail Customer  Division ING Bank Śląski S.A.

She has been responsible for  accounts, payments, payment  cards and mobile payments for  individual customers at ING Bank  Śląski since January, 21 2017​. She is  also responsible for managing  partnerships with integrators and  payment organizations.

From 2014-2016, she was the  Director of the Next Generation of  Banking Program. She was also  responsible for the implementation  of the new online and mobile  banking system for retail clients.

In 2010 she was appointed Director  of Retail Payments and Cards, later  was the Director of Accounts, Cards and Payments. During this period,  the bank implemented the first  contactless card and the first  contactless ATM in Poland and the  possibility of making quick Express  Elixir transfers.

Prior to this, Barbara Borgieł-Cury  worked with deposit products and  retail sales networks. In these roles  she was responsible for  streamlining of processes and  efficiency strategy, amongst other  things.

She represented ING Bank Śląski  in Working Groups at the NBP and  ZBP for payments and cards.

Since has worked at ING Bank  Śląski S.A. since the beginning of  her career.

Barbara Borgieł-Cury is a graduate  of the Cracow Academy of  Economics (currently the University  of Economics).

ARTUR OWSIANKA

ARTUR OWSIANKA

Member of the Supervisory Board

Director of the Settlement Department of Alior Bank S.A.

Associated with Alior Bank from the beginning of bank’s presence in Poland in 2008.
Currently responsible for contacts with payment organizations and suppliers, implementation of new processes and products, and ongoing support of operational processes related to the supervised area of payments (cards, domestic and foreign transactions), tax settlements, partners network settlements, trade finance, cash management and handling enforcement proceedings.

In 1995-2007 an employee and then manager of Bank Operations Department in BPH S.A.

Artur Owsianka is the Cracow Academy of Economics (now Cracow University of Economics) and the AGH University of Science and Technology graduate.

Szymon Wałach

Szymon Wałach

Member of the Supervisory Board

Director of the Retail Customer  Division of PKO Bank Polski.

He has worked at PKO Bank Polski  since May 2010. He was initially the  the Advisor to the President of the  Bank’s Management Board. In 2011,  he was appointed Director of the  Retail Customer Division where he  managed the product offerings  within the retail banking area. He  has worked in banking since 2000.  He began work as an Investment  Banker at Salomon Smith Barney  in New York. In 2002, he joined the  Boston office of The Boston  Consulting Group focusing on  consulting in the financial sector.  From 2004-2010 he worked at  Pekao SA, where he held various  managerial positions in the  Consumer Finance division.

He is a graduate of Finance at  Montclair State University in New  Jersey.

He is currently the vice chairman  and member of the Supervisory  Boards of: eService, PKO Życie  Towarzystwo Ubezpieczeń SA and  PKO Towarzystwo Ubezpieczeń SA.

HALINA KARPIŃSKA

HALINA KARPIŃSKA

Member of the Supervisory Board

Director of the Electronic Banking Department at Bank Millennium S.A.

She has been affiliated with Bank Millennium since 2002.
She began her career with Millennium in the Prestige Marketing Department, and in  2003 moved over to the Internet Banking division as a specialist.
In subsequent years, as part of the Electronic Banking Department, she was the Head of the Website Management Team (2006-2010).

From 2010, she’s headed up and been responsible for the creation, development, standards in the area of UX and UI.

Promoted in 2015, she began as the Head of the Sales Team for UX and UI in electronic channels.

A graduate of the University of Warsaw.

CAREERS

We are looking for ambitious  people eager to develop the most  innovative mobile banking  technologies. Send us your CV  together with a data processing  clause for the needs of recruitment  to praca@polskistandardplatnosci.pl.

FAQ

Find answers to frequently asked  questions here.

What is the advantage of the BLIK  mobile payment system over other  payment methods?

Convenience, security and  flexibility. You can easily, and  securely pay in-store or withdrawal  cash using just their smartphone.  PPS’ system also allows users to  generate checks, and users can  instantly transfer money to  customers or different banks. BLIK  payments are secure – each  transaction has a unique, six-digit  code that can only be used for 2  minutes after it is generated. Users  must also confirm each transaction  (the amount and the recipient) in  their bank’s mobile app.

Can new participants join the BLIK  system and how? Under what  principles can they do so? 

The PPS system is open to new  participants and was designed for  banks, payment institutions and  paying agents. All you have to do is  sign the PPS’ participation and  terms agreement.

What commission will the stores  pay for the service of mobile  payments?

PSP offers competitive rates  relative to other cashless payment  methods. We are confident that  our offer will be a great competitive  advantage for our clients.

Will transaction fees differ for each  bank?

PSP charges every bank the same  rate However, each individual  banks sets their own transaction  fees.

Does every bank offer the same  BLIK features (checks, ATM  withdrawals, P2P payments, and  the ability to set transaction  limits)?

Each of the banks is required to  provide the same basic system  functions, such as generating a  code for POS, ATMs or online  transactions. Bank’s are not  required to offer BLIK’s P2P phone  transfers or checks. The  quantitative and amount limits for  BLIK mobile transactions are also  set individually by the banks.

What banks can become  participants in the BLIK system?

Any bank can be a part of the BLIK  network. Both, bank’s with an account  at the Narodowy Bank Polski and those  who don’t have one – as a, so-called,  indirect participant of the BLIK system. If  the bank doesn’t have an account with  Narodowy Bank Polski, it should  establish a partnership with another  bank that has such an account and is a  participant in the PPS system.

What banks can become participants in the BLIK system?

Each bank can become a participant in the BLIK system. Both the Narodowy Bank Polski account holders and those who don’t have one – as so-called indirect participant of the BLIK system. If the bank isn’t the Narodowy Bank Polski account holder, it should establish cooperation with another bank that has such an account and is a participant in the PPS system.

How can I offer BLIK payments in  my store?

In order to offer your customers BLIK  in-store, you’ll have to establish a  partnership with one of the following  paying agents that current works with  BLIK first: Przelewy24, PayU, BlueMedia,  DotPay, eCard, TPay, CashBill, FirstData,  eService, PayTel and ITCard. If you’d like  to process BLIK payments using your  phone, just download one of the above  paying agents’ app on your phone and  follow its instructions. 

Do I need to have a separate  agreement with BLIK?

If you’re a paying agent – yes but if you  own a store, then you do not have to.  Store owners only need to sign a  contract with a paying agent, not with  BLIK.

How many banks (and which  ones) offer BLIK to their  customers?

The list of banks partnered with BLIK  can be found at ​ww.blikmobile.pl in the  “Start paying with BLIK” tab.

Is it worth implementing a BLIK  payment without entering the  code option (OneClick)?

BLIK OneClick payments can be made  without entering a code when shopping  in a previously saved store or when  using a saved browser – in the latter  case no changes in the store’s system  are required. BLIK OneClick payments  don’t require you to enter the BLIK code  when shopping, making paying even  easier.
When paying with OneClick online, the  user selects the BLIK payment method,  clicks “buy and pay”, and the bank’s  mobile app automatically opens and  presents the user with a new payment  to be confirmed.

The BLIK OneClick payments are  particularly convenient when shopping  online, because the customer no longer  has to switch between the online store  and bank application screen.

When will BLIK be available to all  banks?

BLIK is available to every bank. All they  need to do is make the choice to  connect to the BLIK network.

Which paying agent should I use?

It’s up to you. Take a look at the various  paying agents that we’re partnered with and choose the one that has the best  offer for you.

Which large brands/online stores  already offer BLIK? Where can I  see examples of paying with BLIK  online and BLIK OneClick? Can I  test them? 

BLIK is available in almost all online  stores. You can see how to pay with  BLIK in this video on our YouTube  profile in the ​“How to pay with BLIK on the Internet”​ tab. We invite you  to take a look at  www.Blikmobile.pl​, where in the  “Check BLIK out” tab you can  perform transactions with the  “payment directly online” feature  for 1 PLN extra, and the funds will  support the Children’s University  Foundation.

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