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 client’s needs – offering simple transfers between customers, banks and acquirer.
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/17 Dec 2018
NEWS/27 Sep 2018
NEWS/09 Aug 2018
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 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!
Paying with BLIK at POS terminals, cash register systems, vending and ticket machines
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.
ATM deposits/withdrawals at ATMs
BLIK customers can now use their phones to withdrawal 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.
17 Dec 2018
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.
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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).
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
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
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.
24 Jul 2018
New BLIK’s advertising campaign was launched on July 5th. It emphasizes how fast are money transfers to a telephone number. The campaign encourages users to try this convenient solution which is an alternative to cash.
BLIK transfer to a telephone number is available at six banks: Alior Bank, Bank Zachodni WBK, Bank Millennium, mBank, ING Bank Śląski and PKO Bank Polski. To make it, you do not need to know the recipient’s bank account number, simply select or enter the phone number in the banking app and approve the transfer. The money will come on the recipient’s account in a few seconds. A quick transfer is free and works between different banks 24 hours a day, including weekends and holidays.
The clients of four of the listed banks – BZ WBK, Millennium, mBank and ING Bank Śląski – can benefit from additional facilitation, which is the identification of recipients who use BLIK transfers to a telephone number. These persons are marked in the bank app with the BLIK icon on the contact list.
– There are many situations in which we want or need to transfer money quickly – pay back for shopping or gift, help relatives in need. We show these situations in our campaign because here’s when BLIK transfer to phone number can be useful. It is convenient, safe, and most importantly it works between various banks immediately – says Anna Nowacka, Marketing Director of Polish Payment Standard.
YouTube link: http://bit.ly/BLIK_PRZELEW_NA_TELEFON_W_MIG_30
LP link: https://blikmobile.pl/lp/przelew-na-telefon-blik/
12 Jun 2018
Bank Pekao S.A. joined the group of 13 financial institutions in which you can pay with BLIK. Now bank customers can use BLIK while shopping online and in stores, as well as withdraw cash from ATMs. BLIK can be used by 96 percent of all mobile banking users in Poland. This is a crucial moment in the development of the system.
The introduction of BLIK in Pekao S.A. will take place in two phases. Now clients of Bank Pekao S.A. can use it to pay online and offline, and withdraw money from ATMs. In the second stage, planned for the third quarter of 2018, clients will be able to make transfers to a telephone number based on Express Elixir system. What is more BLIK codes will be accepted at POS terminals of Bank Pekao S.A. This means that with BLIK you can now withdraw cash in 19,000 ATMs. In couple of months you will be able to pay in 290 000 POS.
– Poles use BLIK more and more. We see it in a number of completed mobile transactions which is growing from quarter to quarter. Implementation of BLIK in Bank Pekao S.A. closes a certain era in its development. Now it is universal in mobile banking system in Poland. Almost all users of Polish mobile banking applications can use BLIK now – says Dariusz Mazurkiewicz, CEO of Polish Payment Standard, BLIK operator.
We have won many prestigious awards.
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.
The international Efma-Accenture Innovation Award 2015 in the “Best Innovation in Payments” category for the launch of BLIK.
The Silver Effie Award in 2017 in the “Finance” category for the “BLIK & it’s done” marketing campaign.
Polish Payment Standard won the eDukat 2018 for being “cashless world’s company of the year” during the 6th International Cashless Congress.
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.
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.
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.
BLIK won in the Payment Solutions category in the competition organized during international FutureTech Congress 2017.
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 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.
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.
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 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 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.
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.
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 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.
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.
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.
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.