BLIK FOR BUSINESS

GROW YOUR BUSINESS WITH BLIK

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

OUR MISSION

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

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

OUR HISTORY

A COMMON PURSUIT OF  DEVELOPING THE BEST PAYMENT  TECHNOLOGY

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

2013

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

2014

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

2015

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

2016

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

2017

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

NEWS/01 Jul 2020

New version of BLIK on AliExpress: payments made faster and easier

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 ... more

NEWS/09 Mar 2020

“BLIK” join the European Mobile Payment Systems Association (EMPSA)

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 ... more

NEWS/02 Mar 2020

Adyen launches BLIK to offer customers seamless online payments

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 ... more
BLIK FOR BUSINESS
OUR MISSION
OUR HISTORY
News

BLIK WHO IS IT FOR?

FOR ENTREPRENEURS

FOR ENTREPRENEURS

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

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

FOR BANKS

FOR BANKS

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

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

FOR ACQUIRERS

FOR ACQUIRERS

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

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

Blik OUR PRODUCTS

ONLINE
PAYMENTS

BLIK eCommerce and  mCommerce payments

ONLINE <br>PAYMENTS

The fastest, most convenient and  secure payment method available.  With BLIK, the user is in control  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!

IN-STORE
PAYMENTS

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

IN-STORE <BR>PAYMENTS

BLIK offers its customers an extensive network of stores where they can pay with BLIK. Now everyone can pay with their smartphone.

MAKE DEPOSITS AND  WITHDRAWALS AT ATMS

ATM deposits/withdrawals at ATMs

MAKE DEPOSITS AND  WITHDRAWALS AT ATMS

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

P2P TRANSFERS USING YOUR  PHONE NUMBER

Use your phone number to make  transfers with BLIK

P2P TRANSFERS USING YOUR  PHONE NUMBER

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

PARTNERS

We work with Poland’s largest  banks and acquirers.

News

01 Jul 2020

New version of BLIK on AliExpress: payments made faster and easier

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.

 

About 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.

 

 

About AliExpress:

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

“BLIK” join the European Mobile Payment Systems Association (EMPSA)

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

Adyen launches BLIK to offer customers seamless online payments

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

BLIK ready for Request for payment technological revolution

 

  • The Polish Payment Standard (PSP) received the consent of the National Bank of Poland to introduce the “Request for payment” solution as part of the BLIK Payment Scheme.
  • In the first quarter of 2020, the first banks will make available “Request for payment” to their customers based on new possibilities of the system managed by PSP.
  • Interbank “Request for payment” is a solution currently being developed by payment scheme operators around the world; Poland will be one of the first countries to build an ecosystem of payment services based on request messages.
  • Immediate mobile payments are already developed in Poland and are becoming increasingly popular among users.

 

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

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

 

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

 

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

 

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

 

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

 

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

 

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

 

About PPRO

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

 

About BLIK

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

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

Cross-Border eCommerce Will Reach $627 Billion By 2022

[2] World Bank Findex data, 2017

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

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

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AWARDS

We have won many prestigious  awards.

eDukat 2018

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

FutureTech Congress 2017

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

Mobility Trends

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

Effie Awards

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

eDukat

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

Efma-Accenture Innovation Award

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

Mobile Trend Award

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

Ekomers

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

IT@BANK 2

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

ABOUT US

PPS is a project created and led by  industry experts.

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

LEADERSHIP

Dariusz Mazurkiewicz

Dariusz
Mazurkiewicz

President of the Management Board 

President of the Management  Board of Polish Payment Standard

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

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

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

Monika Król

Monika
Król

Vice President of the Management  Board

Vice President of the Management  Board

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

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

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

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

SUPERVISORY BOARD

Szymon Wałach

Szymon Wałach

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.

Piotr Puchalski

Piotr Puchalski

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.

Barbara Borgieł-Cury

Barbara Borgieł-Cury

Secretary of the Supervisory Board

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

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

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

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

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

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

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

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

Tomasz Niewiedział

Tomasz Niewiedział

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.

ARTUR OWSIANKA

ARTUR OWSIANKA

Member of the Supervisory Board

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

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

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

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

HALINA KARPIŃSKA

HALINA KARPIŃSKA

Member of the Supervisory Board

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

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

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

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

A graduate of the University of Warsaw.

BARTOSZ CIOŁKOWSKI

BARTOSZ CIOŁKOWSKI

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.

CAREERS

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

FAQ

Find answers to frequently asked  questions here.

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

Convenience, security and flexibility. You can easily and securely pay in-store or 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.

Can new participants join BLIK system and how?

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.

What are the fees for using BLIK system?

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.

Will transaction fees differ for each  bank?

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

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

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

What banks can become  participants in the BLIK system?

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

What banks can become participants in the BLIK system?

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

How can I offer BLIK payments in  my store?

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

Do I need to have a separate  agreement with BLIK?

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

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

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

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

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

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

When will BLIK be available to all  banks?

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

Which paying agent should I use?

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

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

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

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