BLIK FOR BUSINESS
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.
We created BLIK, because we believe that everyone should be able to quickly and securely make online payments. We are driven by our clients’ needs – offering simple transfers between customers, banks and acquirers.
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.
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.
PSP receives legal consent for the BLIK mobile payments system from the NBP.
BLIK, an innovative mobile payment system, appeared on the market on February 9. In half a year, BLIK got the first million users.
Availability of BLIK in e-commerce sector reached 100% – a radical increase in transactions.
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/01 Jul 2020
NEWS/09 Mar 2020
NEWS/02 Mar 2020
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.
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.
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 eCommerce and mCommerce payments
The fastest, most convenient and secure payment method available. With BLIK, the user is in control of every step. It allows recurring payments, and some online stores partnered with BLIK are “one click” enabled – no need to enter your BLIK code!
Paying with BLIK at POS terminals, cash register systems, vending and ticket machines
BLIK offers its customers an extensive network of stores where they can pay with BLIK. Now everyone can pay with their smartphone.
ATM deposits/withdrawals at ATMs
BLIK customers can now use their phones to withdrawl and deposit cash at over 70% of ATMs in Poland.
Use your phone number to make transfers with BLIK
BLIK enables instant, interbank transfers. All you need is your recipient’s phone number. No need to enter a 26-digit account number.
01 Jul 2020
BLIK, polish mobile payments scheme and AliExpress, a global online retail marketplace under Alibaba Group, announced they had entered into next level of cooperation to allow AliExpress users in Poland to pay directly with BLIK on the AliExpress checkout page.
The cooperation brings together BLIK, Polish shoppers’ preferred method of online payment, and AliExpress, one of the global leaders in mobile commerce, and Alipay as an acquiring partner. The integration of BLIK with AliExpress has been enabled by PPRO, the leading local payments platform-as-a-service, who have partnered with Alipay since 2015. The partnership should help to cement Poland’s position as the fastest developing market for mobile payments in Europe. The move could also potentially provide BLIK with a strong partner outside Poland should the company’s development move in that direction.
Our development strategy strives for BLIK to be available as a payment method for its users wherever they shop – this applies both to Polish websites and international online stores. AliExpress is an important partner for us. We believe that BLIK users will be happy with the option of paying directly though the global purchasing platform, says Dariusz Mazurkiewicz, CEO at BLIK.
We have been excited to witness BLIK’s growth in the Polish market over recent years and we are looking forward to working together to ensure Poland continues to become the European leader in mobile payment innovation and adoption.” Added Gary Topp, Central and Eastern Europe Regional Director and Head of Global Payment Partnerships at AliExpress.
With its dynamic economy and fast rate of ecommerce growth, Poland has become an increasingly important market for AliExpress. Gemius studies showed that AliExpress has become the most visited shopping app during the peak shopping season in December 2019. Customers mainly choose to shop using the AliExpress mobile app where users will now have access to their preferred mobile payment method, BLIK.
The move also demonstrates AliExpress’ increasingly willingness to localize its offering in Poland, last year the platform introduced a partnership with InPost to allow Polish users to pick up their parcels to lockers around Poland.
Continuing to improve and localize the user experience is one of our key strategies for development in Poland. Working directly with BLIK will allow our users to experience a fast, secure and more seamless payment experience when checking out on AliExpress. Added Gary Topp.
BLIK appears as one of the payment methods to choose from when finalising your order. Just enter the BLIK code on the payment page and accept it in your banking application. Soon, the One Click BLIK solution will also be introduced, thanks to which you can save the website in your mobile banking application at the first payment, so that with subsequent purchases it is no longer necessary to enter the BLIK code, but only confirm payments in the banking application. Previously, customers could choose BLIK on AliExpress within the payment methods available, which was carried out via Przelewy24 or PayU.
In the first three months of 2020, Poles used BLIK nearly 78 million times, of which 57.5 million were online transactions. According to the data of the National Bank of Poland for the last quarter of 2019, BLIK is already likely to be used twice as much as payment cards for online payments, and this difference increases from quarter to quarter.
Users appreciate the ease of making BLIK transactions, as well as the fact that they do not have to leave any sensitive data on websites. Payment by BLIK requires only entering the code and confirmation of payment in the bank’s mobile application, adds Magdalena Kubisa, Business Development Director at BLIK.
BLIK is a nationwide, universal payment standard that uses the latest technologies. Currently, over 90% of all customers of domestic financial institutions have the option of using BLIK on mobile banking applications. The Polish Payment Standard (Polski Standard Płatności – PSP) is responsible for developing the system. PSP is constantly developing BLIK’s capabilities so that the system is as functional as possible for its users. The shareholders of PSP are six Polish banks: Alior Bank, Bank Millennium, Santander Bank Polska, ING Bank Śląski, mBank and PKO Bank Polski. BLIK can also be used by clients of Getin Noble Bank, Bank Pekao S.A, BNP Paribas, Credit Agricole, Inteligo, T-Mobile Financial Services, cooperative banks associated in Spółdzielcza Grupa Bankowa, Bank BPS and cooperative banks associated BPS Group.
Launched in 2010, AliExpress (www.aliexpress.com) is a global retail marketplace that enables consumers from around the world to buy directly from manufacturers and distributors primarily in China and is dedicated to becoming a platform for worldwide merchants to sell locally and globally. AliExpress operates in multiple languages including English, Russian, Portuguese, Spanish, Italian, French and Polish.
09 Mar 2020
EMPSA is pleased to welcome Italian’s mobile payment system “BANCOMAT” and Poland’s mobile payment system “BLIK” as new members. EMPSA now consists of nine members with approx. 40m users.
The year 2020 will be very important for mobile payments in Europe, with EMSPA playing a key role to foster collaboration and international payment and build up a competitive interoperable European framework. BANCOMAT (Italy) and BLIK (Poland) decided to join and support this project.
Søren Mose Chairman of EMPSA says: “With this cross-border cooperation we want to meet the wish of our users to be able to use their local mobile payment system internationally – we are pleased about the support by such a powerful players as BANCOMAT and BLIK.”
BANCOMAT Pay is an Italian mobile payment system, launched in January 2019. BANCOMAT Pay to date has 9 million registered users and more than 148 partner banks, allowing their users to do in-store and online payments or to send money over the phone to others immediately. The App is directly connected with the bank account of the user.
BLIK is a Polish account-based mobile payment scheme. Built on a partnership of 12 Poland’s largest banks, the payment scheme allows for a single, integrated platform across all mobile devices, offering a convenient and safe mobile payment method to its users. Thanks to BLIK millions of users can safely and conveniently, using a smartphone, pay on the internet or in regular stores, withdraw cash from ATMs and transfer money instantly to other users’ phone numbers without knowing their bank account. BLIK is one of the fastest payment methods in online and mobile stores.
“We are very happy joining EMPSA. Together with the other members of the association we can take a big step forward to answer an increasing demand of our customers of being able to pay everywhere in Europe with their favorite mobile payment solution BANCOMAT Pay®, says Alessandro Zollo, CEO BANCOMAT.
“Poland’s BLIK is focused on European cross-border transactions as BLIK users become more and more cross-border. We are convinced that Poles’ favorite payment system will contribute significantly to European mobile payments industry”. says Dariusz Mazurkiewicz CEO of BLIK – Polish Payment Standard
The headquarters of the EMPSA are located in Zurich, Switzerland. The association is chaired by Søren Mose, Chairman of the Board of Directors of TWINT and vice-chaired by Joseph Hajj, Chief Strategy Officer of Swish. Secretary General is Anton Stadelmann, Deputy CEO and CFO of TWINT.
The association aims to generally foster collaboration and to enable the use of the domestic mobile payments systems internationally. To underscore the importance of interoperability EMPSA has already set up a working group to establish joint system interoperability. This working group is co-chaired by Bjørn Skjelbred from VIPPS and Christian Pirkner of Bluecode.
02 Mar 2020
BLIK is becoming increasingly popular in mobile payments thanks to its unique user experience. Speed, simplicity and ease are key benefits for mobile banking users. BLIK combines convenience and the security of making payments in a unique way. The solution created in Poland is already available in the entire Polish e-commerce.
The popularity of BLIK is also recognized by international payment providers that have global players in their portfolio. Now BLIK users will be able to pay with BLIK on International e-commerce websites that use Adyen solutions.
– BLIK is becoming the first choice of payment on the Internet in Poland, where customers are more and more willing to buy also in international e-commerce services. Global payments platform providers want to be sure that their customers will be able to use their favourite payment method. This is another important moment in BLIK development. We are convinced that this trend will continue, thanks to which more and more online stores in the world will have BLIK in their offer – says Monika Król, Vice President of The Management Board of Polish Payment Standard, BLIK operator. – The next step in our cooperation with Adyen is service integration, which will be available in March 2020. After that, Adyen customers will be able to implement BLIK on their platforms.
Adyen provides a modern end-to-end infrastructure connecting businesses directly to all major card schemes and consumers’ globally preferred payment methods. Adyen delivers frictionless payments across online, mobile, and in-store channels, enabling businesses to create consistent experience across all sales channel to improve the entire shopper journey.
– We’re excited to partner with BLIK to create secure and seamless payment flows that provides merchants and shoppers with an easy way to make one-click and recurring payments. Merchants can fully host and control the BLIK checkout process without any redirects, which is a unique standard in the industry. Adyen has been supporting online payment methods in Poland since 2010, and we are thrilled that our large international customer base is now able to offer Polish shoppers their preferred payment method – says Adyen Vice President Sales CEE, Jakub Czerwinski.
In the three first quarters of 2019, BLIK users made 146 million transactions. This is this is more than in the first four years of system operation (135 million). Three out of four BLIK transactions are online purchases, increases can also be seen in other channels. The number of payments in payment terminals increased by 340 % year-on-year, while BLIK transfers to telephone number increased by 200%.
Thanks to BLIK millions of users can safely and conveniently, using a smartphone, pay on the internet or in regular stores, withdraw cash from ATMs and transfer money instantly to other users’ phone numbers without knowing their bank account. BLIK is one of the fastest payment methods in online and mobile stores.
BLIK is a nationwide, universal payment standard that uses cutting-edge technologies. Currently, more than 90% of all clients of banks in Poland have the option of using BLIK in mobile banking applications. The Polish Payments Standard (PSP) is responsible for the development of the system. PSP is constantly expanding the capabilities of BLIK to make the system as functional as possible for its users. The shareholders of the PSP company are six Polish banks: Alior Bank, Bank Millennium, Santander Bank Polska, ING Bank Slaski, mBank and PKO Bank Polski. BLIK is also available to customers of Getin Bank, BNP Paribas, Credit Agricole, Bank Pekao S.A., SGB Bank, and T-Mobile financial services.
10 Dec 2019
– Making “Request for payment” available based on the interbank mobile payment system is an opportunity for banks to create completely new contexts and entire ecosystems around P2P payments. Poland is once again ahead of other countries with ready-made tools in this area. We will strongly support and popularize this segment based on BLIK. We also actively participate in its development within SEPA Proxy Lookup standard at the European level – says Dariusz Mazurkiewicz, CEO of Polish Payment Standard, BLIK operator.
Request for payment is the next technological revolution
In Europe, “Request for payment” technology is now recognized as one of the most innovative and needed by users, both individuals and businesses. Changes in the labor market (more people exercising individual orders in flexible forms of cooperation) and growing importance of cashless transactions (and demand for cashless settlements between private individuals) make this option more desirable and expected. A report prepared by FasterPayments shows that as many as 42% of British have occasionally transferred money to an incorrect bank account number. In addition, one-fifth of Britons regularly ignore requests for money transfer in electronic and paper correspondence. At the same time, the communication channel through the bank’s mobile applications is considered one of the most reliable and secure.
– The world’s largest banks and technology companies are racing to introduce solutions to transfer user-related payments to a single channel. This means that it is possible to request and execute a payment in one channel. Experts have no doubt that this is a breakthrough solution that will completely redefine the payment market – says Dariusz Mazurkiewicz. – Today we are ready and providing a solution that not only is expected by users, but has a huge potential for banks to create new payment functions – he adds.
The Polish Payment Standard has a technology which allows to combine, within a bank’s mobile application environment, the communication related to the request for payment with the payment executed as a result of this communication.
Currently 8 banks allow their customers to use a BLIK P2P transfer. The solution is available in Alior Bank, Bank Millennium, Credit Agricole, Getin Bank, ING Bank Śląski, mBank, PKO Bank Polski and Santander Bank Polska. More banks will join soon. This way of transferring money is becoming increasingly popular. It does not require knowledge of the recipient’s bank account number, but only the telephone number of the recipient associated with the mobile application of his bank. The money reaches the recipient immediately, even to another bank. In the first half of 2019, users used a BLIK P2P transfer more than 10 million times, and from quarter to quarter the number of transactions almost doubles.
Ask for money through the bank’s mobile app
“BLIK request for payment” will be the first new feature that banks will make available to mobile app users in near future. Through the bank app, you can ask another user to send money along with a description of what the settlement is about. In the nearest future, the “BLIK request for payment” will be implemented in the first two banks participating in the BLIK Mobile Payment System.
A person who uses BLIK will be able to send a transfer request to another user. The recipient will receive a notification of such a request in his bank’s mobile app. The recipient will be able to accept or reject the transaction thus putting it on hold. The request for payment will wait for the recipient to react for 72 hours. If the request is ignored, the sender will receive the notification that the recipient did not respond.
– Transferring money in secure banking app environment is still gaining popularity. Mutual settlements will be even more convenient – says Marcin Waldowski, Director of the Product Development Department at the Polish Payment Standard, the operator of the BLIK system. – Request for payment completely changes the way in which we will give back money to each other – he adds.
The service will be fully carried out in the banking mobile app ecosystem and only for logged in users. There will be no possibility to send a request to people who do not use BLIK P2P payments. This is a guarantee that we will transfer money only to the person we know and whose identity has been verified by the bank. Banks will be able to implement “BLIK request for payment” also in such a version that will allow one to send a request to several people at the same time. This solution gives the opportunity to split a larger amount in a mutual settlement.
BLIK is a nationwide, universal mobile payments standard. More than 90% of all customers of financial institutions in Poland currently have the ability to use BLIK in mobile banking apps. Polish Payment Standard is responsible for the development of the system. PSP is constantly developing BLIK so that it is as functional as possible for its users. PSP’s shareholders are six Polish banks: Alior Bank, Bank Millennium, Santander Bank Polska, ING Bank Śląski, mBank, PKO Bank Polski. BLIK can also be used by customers of Getin Bank, Bank Pekao S.A, BNP Paribas, Credit Agricole, Inteligo, T-Mobile Financial Services and cooperative banks affiliated with the Cooperative Banking Group.
04 Nov 2019
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. 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%) is much higher than the percentage of credit cardholders (45%). In Poland, bank transfer payment methods are particularly popular, accounting for 51% of payments online, compared to card payments at 20%.
“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.
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
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.
 ‘Cross-border e-commerce will reach $627 billion by 2022’, Forrester
 World Bank Findex data, 2017
 ‘Payments and e-commerce report: Western and Central Europe’, PPRO, October 2019
 ‘Payments and e-commerce report: Western and Central Europe’, PPRO, October 2019
We have won many prestigious awards.
Polish Payment Standard won the eDukat 2018 for being “cashless world’s company of the year” during the 6th International Cashless Congress.
BLIK won in the Payment Solutions category in the competition organized during international FutureTech Congress 2017.
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.
The Silver Effie Award in 2017 in the “Finance” category for the “BLIK & it’s done” marketing campaign.
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.
The international Efma-Accenture Innovation Award 2015 in the “Best Innovation in Payments” category for the launch of BLIK.
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.
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.
BLIK won “Product of the Year” IT@BANK awards in 2015 organized by “BANK” magazine.
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.
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.
Vice President of the Management Board
Vice President of the Management Board
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.
Chairman 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.
Vice 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.
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).
Member 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.
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.
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.
Member of the Supervisory Board
General Manager, Mastercard Poland, Czech Republic and Slovakia
Bartosz Ciołkowski was appointed Mastercard General Manager for Poland in January 2014 and in September 2019 he took over additional responsibility for managing the company’s business on the Czech and Slovak markets as well. Prior to this, he was the head of the sales department, responsible for the development of Mastercard’s business in Poland.
Bartosz Ciołkowski started his career in BZ WBK bank. Before joining Mastercard, he also worked for Pekao SA, supervising the Payment Card Development Department. He joined Mastercard in 2005 as Account Manager. Then he developed the credit card portfolio in Poland, the Czech Republic, Hungary and Ukraine. Starting from 2009 he was responsible for the development of the company’s consulting department, Mastercard Advisors, in the countries of Central and Eastern Europe, carrying out over 50 projects concerning: payment products’ profitability optimization, development of innovative solutions and loyalty programs as well as co-branding projects.
In 2017, he received the eDucat award in the category of “Personality of the Year” granted by the Foundation for the Development of Cashless Turnover (FROB) for his contribution to building cashless Poland and effective leadership in the work on the Cashless Payments Development Program. He was the first Chairman of the Board of the Cashless Poland Foundation (till September 2019), supervising this large-scale project to finance POS terminals for SME merchants, which is run thanks to extensive cooperation between the financial sector and the Polish government. Currently he is a member of Foundation’s Council.
Bartosz Ciołkowski graduated from the Faculty of Economics of Poznań University of Economics and Business, with specialization in the field of economic policy and strategy.
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 email@example.com.
Find answers to frequently asked questions here.
Convenience, security and flexibility. You can easily and securely pay in-store or withdraw cash using just your smartphone. PPS system also allows users to generate checks and make instant-money transfers 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.
The PPS system is open to new participants and was designed for banks, payment institutions and payment agents. All you have to do is sign the PPS’ participation agreement.
PSP offers competitive rates in comparison to other cashless payment methods. We are confident that our offer will give a competitive edge to your customers.
PSP charges every bank the same rate However, each individual banks sets their own transaction fees.
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.
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.
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.
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.
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.
The list of banks partnered with BLIK can be found at ww.blikmobile.pl in the “Start paying with BLIK” tab.
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.
BLIK is available to every bank. All they need to do is make the choice to connect to the BLIK network.
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.
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.