BLIK for business
Open up to customers’ needs: provide them with the simple and secure BLIK payment method. Thousands of transactions per hour, millions of satisfied users and dozens of partners – this is the best proof that BLIK’s a tried and true leader in mobile payments.
We believe that everyone should use a handy and secure payment method. That’s why we created BLIK, which offers various solutions supporting the exchange of funds between customers, banks and acquirers. Our solutions originate from clients’ needs.
BLIK was brought to life above divisions. Six competing banks united and created a common mobile payment standard. Together, we are introducing Poland to the world’s top that creates innovative payment solutions.
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/22 Feb 2018
NEWS/15 Feb 2018
NEWS/07 Feb 2018
Customers are hooked on their smartphones – they love to do shopping and pay via them. Meet their expectations! BLIK is an ideal solution for every type of customer – modern ones appreciating convenience and no limits.
BLIK offers attractive terms of cooperation in comparison to other payment methods. Provide BLIK payments and increase your company’s turnover.
Show that your bank meets the customers’ needs. Introduce the BLIK functionality to your mobile app and let your customers enjoy handy mobile payments in the full extent.
You can use BLIK at POS, eComm and ATMs or CDMs. Your customers will be able to make transfers to phone numbers – P2P and will gain access to a large and constantly growing network of stores accepting payment by BLIK.
We know that you care about effective payment methods. That’s how BLIK is. The convenient BLIK payments will satisfy the needs of customers, they are distributed by the largest banks in Poland, easy to implement and offered to you at most attractive prices.
The service is available to entities OWNING THE LICENSING of the National Paying Authority, issued by KNF.
BLIK eCommerce and mCommerce payments
The fast, handy and secure online payment method. Each transaction is confirmed and controlled by the user. BLIK allows you to set recurring payments and, in case of selected websites and online stores, to pay with a ’single click’ without entering the BLIK code!
BLIK payment for POS, cash register systems, vending or ticket machines
Thanks to the cooperation with many partners, we developed an extensive network of stores supporting BLIK payments. Now users can pay with what they always have with them – by phone.
ATM withdrawals/deposits by BLIK
Now users can withdraw and deposit money in over 70% of Polish ATMs / CDMs just via phones.
Transfer to a phone number by BLIK
BLIK enables instant, interbank transfers to a phone number. Instead of entering a 26-digit account number, users enter only a recipient’s phone number.
22 Feb 2018
All customers of Żabka and Freshmarket stores can now use BLIK. Those who choose this payment method will receive a coupon which entitles to purchase selected products for PLN 1. The campaign “Pay with BLIK and receive voucher for chocolate bar or chips for PLN 1” will last until March 20th.
Żabka and Freshmarket are some of the largest Polish convenience chains – they have over 4900 shops throughout the country. Currently, together with Polish Payment Standard, they encourage customers to use modern, secure payment methods with no need to carry cash or cards with them.
To take part in the promotion, you just have to pay via BLIK for purchases in Żabka and Freshmarket stores. For every BLIK purchase, customers will receive special promotional coupon, which allows them to buy chips or chocolate bar for only PLN 1.
– Żabka and Freshmarket are some of the most popular stores in Poland which are located in both small and large cities. We want all their customers to have a possibility to pay BLIK and see how convenient and safe it is. This is a very important element in popularizing BLIK payment system – says Anna Nowacka, Director of Marketing in Polish Payment Standard.
15 Feb 2018
Since February 14th, Raiffeisen Polbank’s clients can use BLIK payments. Thus, they gained the ability to pay quickly and conveniently on the Internet, withdraw cash from ATMs and make non-cash payments in traditional stores.
– Next Bank is joining BLIK system which confirms the popularity of our payment method among mobile banking users. We are convinced that thanks to BLIK’s availability at Raiffeisen Polbank, we will see further increases in transactions number and more and more people will have the opportunity to check how fast, convenient and safe BLIK is – says Adam Kokoszkiewicz, Director of Sales and Business Development Department of the Polish Payment Standard, BLIK’s operator.
BLIK at Raiffeisen Polbank is available in “Mobilny Portfel” (“Mobile Wallet”) application, which can be downloaded from Google Play market for Android and App Store for iOS. The bank is planning to make more BLIK services available this year, such as OneClick, Pay-By-Link or P2P. In addition, the application will soon gain a completely new, very convenient interface and solutions, such as: payment for public transport tickets and parking lots, mobile authorization and a number of other functionalities that facilitate everyday life.
07 Feb 2018
Representatives of Bank Pekao S.A. and Polish Payment Standard Ltd., have signed an agreement on joining BLIK mobile payment system. Pekao’s mobile banking app – PeoPay – users will be able to pay via BLIK this year. In addition, it will be available at POS and ATMs of Bank Pekao S.A.
Adding BLIK to the PeoPay application will be carried out in two phases. In the first stage, planned for the second quarter of 2018, PeoPay users will be able to pay via BLIK in stores, on the internet (also using recurring payments) and withdraw money from ATMs. In the second implementation phase, planned for the third quarter of 2018, app users will be able to make BLIK money transfers to a telephone number.
– This is a crucial moment in the development of our payment system. Thanks to our cooperation, BLIK will be available to 96% of mobile banking applications users in Poland. BLIK finally confirms that it is a universal payment system – says Dariusz Mazurkiewicz, CEO of the Polish Payment Standard, BLIK’s operator. – In addition, clients who are already using BLIK will benefit from our agreement with Pekao S.A. because system will be available in another 60,000 POS and over 2,000 ATMs.
Via BLIK, you can now withdraw money in over 17,000 ATMs and pay in 230,000 POS. After providing the service by Bank Pekao S.A. these numbers will increase to 19,000 ATMs and 290,000 POS.
We are the laureates of many prestigious awards.
Mobile Trend Award 2015 commendation in the category “Company supporting the development of mobile technology” for the implementation of the modern 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 2017 in the “Finances” category for the implementation of the „BLIK & it’s done” marketing campaign.
Polish Payment Standard won in the category “Mobile payments of the year 2017” in the Mobility Trends competition. The award was granted to BLIK after the Internet users vote.
BLIK won the eDukat 2016 as a “technology that changes the non-cash payment market” that was granted during the 4th International Congress of Non-Cash Payments.
Third place in the category “Debut of the year” in the Ekomers 2015 competition, distinguishing products contributing to the development of Polish e-commerce sector.
BLIK was awarded the title of “Product of the Year” in the ranking of IT@BANK 2015 organized by “BANK” magazine.
PPS is a project lead by experts.
Our team members are specialists who create modern payment solutions that change Polish payment models. Our experts participated, among others, in the development and implementation of innovative non-cash payment programs, online payments and projects more widely associated with electronic and mobile banking.
President of the Management Board
President of the Management Board of Polish Payment Standard
Dariusz Mazurkiewicz previously held the position of the Vice President of the Management Board in PPS, and formerly the Director of the Product Development Department.
Between 2010 and 2014, he was associated with SkyCash Poland SA, where as the President of the Management Board he was developing SkyCash – an innovative mobile payment service.
Between 2008 and 2010 he was the President of the Management Board at Bauer-Weltbild Media, developing the multichannel sales in the 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 held financial positions – the Management Controller and then the Finance Director at headquarters of the Michelin Group in France.
He is a graduate 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
Monika Król has several years of experience in the financial industry and extensive experience as an entrepreneur, investor and consultant for marketing and strategy of companies from the B2C trade sector.
Between 2011 and 2014 she was the Managing Director at Bank BPH, responsible for the Marketing Communication and PR. In the years 2006-2011 she was the Marketing Director
of Fortis Bank Polska SA, and after the merger with BNP Paribas Polska SA, she took over the function of Marketing Director and Corporate Communication Line of the BNP Paribas Group in Poland. Monika Król started her banking career at Citi Bank Handlowy where she was the Communication and Marketing Manager.
Monika Król has extensive experience in planning and implementing marketing strategies, in the implementation of new products and sales strategies and in managing change processes in the organization. She also managed project groups as part of the bank merger and conducted 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 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.
From April 2014, he was the Director of the Department of Basic Services and Non-Banking Products in the retail section of mBank S.A. responsible for the acquisition strategy, distribution and pricing policy in the field of current accounts, payment cards, payments and bancassurance.
From 2008, he held managerial functions in the core bussines areas
and insurance of mBank. He participated in key projects, including “New mBank” as a member of the operational management of the project responsible for the business side for strategy, plan and implementation, author of the mSaver regular saving program and developer of the “direct” insurance platform at mBank.
Previously, he held sales and marketing positions among others at Centralwings airlines in the LOT group.
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 area of Bank Zachodni WBK.
Tomasz Niewiedział is a graduate of the University of Adam Mickiewicz in Poznań with specialties in Computer Science and History.
From 1995, he was associated first with the Wielkopolski Bank Kredytowy and then Bank Zachodni WBK.
From 2004, as the Director of the Application Development Department and then as the System Development Area Director, he was responsible for the development of banking systems.
From 2013, he is responsible for business and development of modern distribution channels, managing the Mobile and Internet Banking Area.
Secretary of the Supervisory Board
Daily Banking Agile Centre Director of the Retail Customer Division ING Bank Śląski S.A.
From January 1, 2017, she is responsible for the area of Accounts, payments, payment cards and mobile payments for individual customers. She is also responsible for cooperation with integrators and payment organizations.
In the years 2014-2016, the Director of the Next Generation of Banking Program. At that time, she was responsible for the implementation of the new online and mobile banking system for retail clients.
From 2010, she held a position of the Director of the Retail Payments and Cards Department, then the Department of Accounts, Cards and Payments. During this period, the Bank implemented the first contactless card, the first contactless ATM in Poland and the possibility of making quick Express Elixir transfers.
In earlier years, Barbara Borgieł-Cury gained experience in the area of deposit products and retail sales networks, where she was responsible for, among others, streamlining and efficiency of processes.
She represented ING Bank Śląski in the work of Working Groups at the NBP and ZBP in the field of payments and cards.
Since the beginning of her career, she has been associated with ING Bank Śląski S.A.
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 Digital Banking Department at Alior Bank
At Alior Bank, he is responsible for the development of digital distribution channels, their integration with products offered to individual and institutional customers as well as online channel sales.
He started his professional career at ING Bank Śląski S.A., continuing it at Bank BPH S.A. and Peako S.A. as the person responsible for electronic banking systems and products, payment and transaction products, card programs, factoring, trade finance, leasing and credit products for the SME and corporates segment.
He also participated, as a member of operational management, in projects involving building a new product offer in the field of electronic banking, technological transformations as well as acquisition. He also has extensive experience in direct sales addressed to institutional clients, including payment integrators.
Jerzy Zań holds an MBA from the Carlson School of Management (University of Minnesota). He is also a graduate of the Warsaw School of Economics.
Member of the Supervisory Board
Director of the Electronic Banking Department at Bank Millennium S.A.
A graduate of the Faculty of Management of INP-Lisboa (Instituto Superior de Novas Profissoes).
From 1991, he was associated with Banco Comercial Portugues, where he started his banking career as a dealing room employee.
In 1994, he became the Commercial Director of Banco Commercial de Macao in China. He held this post for four years to become the Director of Private and Institutional Banking in the structures of this bank in 1998.
In 2002, he was the Marketing Director of the Prestige business line at Bank Millennium SA in Poland.
From 2005, Director of the Electronic Banking Department of Bank Millennium SA.
Member of the Supervisory Board
Director of the Retail Customer Division of PKO Bank Polski.
From May 2010, he was associated with PKO Bank Polski, initially as the Advisor to the President of the Bank’s Management Board, and from 2011 as the Retail Customer Division Director managing the product offer and customer segments within the retail banking area. He has been associated with the banking sector since 2000. He began work at Salomon Smith Barney in New York in the area of investment banking. In 2002, he joined the Boston office of The Boston Consulting Group focusing on consulting in the financial sector. In the years 2004-2010 he associated with Pekao SA, where he held managerial functions in the area of Consumer Finance.
He is a graduate of Finance at Montclair State University in New Jersey.
Currently, he is also the vice chairman and member of the Supervisory Boards of: eService, PKO Życie Towarzystwo Ubezpieczeń SA and PKO Towarzystwo Ubezpieczeń SA.
We are looking for ambitious people who want to develop the latest technologies of mobile banking with us. Send your CV together with a data processing clause for the needs of recruitment to firstname.lastname@example.org.
Find answers to frequently asked questions here.
Handiness, safety and versatility guaranteed by the fact that the customer makes in-store payments and ATM withdrawals using his smartphone only. In addition, functionalities such as generating checks or instant transfers to phone numbers between customers of different banks are unique to the PPS mobile system. BLIK payments are secure – for each standard transaction, a one-time, 6-digit code is generated that can only be used for 2 minutes. In addition, the customer confirms each transaction in the mobile application, seeing the amount and name of the point of acceptance.
The PPS system is open to new participants and dedicated to banks, payment institutions and acquirers. The condition of joining is signing a participation agreement with the PPS and accepting the system regulations.
The fees charged by PSP to the acquirers are competitive when compared to other non-cash payment methods. Thus, we believe that the offer presented by the acquirers to their clients, i.e. stores, will be truly advantageous.
The PSP business model doesn’t differentiate the tariff of charges for banks – each publisher is obligated by the same tariff. However, banks set their price lists independently.
Each of the banks is required to provide basic system functions, such as generating a code to perform transactions at POS, ATMs or on the Net. The functions of transfers to a phone number by BLIK or check generation are not compulsory. The quantitative and amount limits for BLIK mobile transactions are set individually by the banks.
To make BLIK payments available to clients, the acquirer should have the status of a National Paying Authority in the field of acquirering, sign a Participation Agreement with PPS, and then make a production connection to 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.
To allow customers to pay by BLIK in their store, it is necessary to establish cooperation with one of the acquirers who is a participant of the BLIK system. At this moment, they are: Przelewy24, PayU, BlueMedia, DotPay, eCard, TPay, CashBill, FirstData, eService, PayTel and ITCard. If you want to receive BLIK payments on your smartphone, you can use the mobile application provided by the acquirer – just download the app and follow its recommendations.
If you’re an acquirer – yes but if you own a store, then you do not have to. Store owners sign a contract with an acquirer, not with BLIK.
The list of banks providing BLIK functionality can be found at ww.blikmobile.pl in the “Start paying with BLIK” tab.
BLIK payment without code entering is a method by which shopping is even easier and the payment process is kept to a minimum. Payments are made without entering the BLIK code. 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 payment to be confirmed. The BLIK payments can be made without entering a code when it is performed in a previously saved store or when using a saved browser – in the latter case no changes in the store’s system are required.
The BLIK payments without code entering are particularly convenient for payments in the store app – the customer no longer has to switch between the app store and bank application screens because the payment confirmation request appears automatically in the bank’s app.
The system is open to every bank. Connection to the BLIK system depends only on the bank’s readiness and the decision to support our payment method.
The decision belongs to the store – it is worth taking a look at our acquirers and choose the most advantageous offer for you.
BLIK payment is available in almost all online stores. You can watch the process of paying by BLIK on our YouTube profile in the “How to pay with BLIK on the Internet” tab. We also invite you to the website www.Blikmobile.pl where in the “Check BLIK out” tab you can perform transactions in the “payment directly on the store site” model for 1 PLN, and the funds transferred in this way will support the account of the Children’s University Foundation.