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.
We work with Poland’s largest banks and acquirers.
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.[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
[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.
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, 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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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
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.
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
Vice President of the Management Board
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.
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.