6 min
September 11, 2025
BLIK—a payment revolution
What do a lightning-fast transaction, complete security, and no need to enter any data have in common? The answer is BLIK—a Polish phenomenon that has instantly become synonymous with convenience in e-commerce. At a time when abandoned carts are the nightmare of every seller, BLIK provides a solution that eliminates friction in the payment process, giving consumers what they want most: speed and simplicity.
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An Overview of the BLIK System
Designed to meet the demands of modern consumers, BLIK has quickly become a powerful tool for instant and secure transactions during online shopping. Whether you are shopping on a computer or a phone, this payment method has significantly enhanced the user experience of every business that has implemented it.
Users can simply enter a special code to make a quick transaction. This not only reduces the number of steps in the purchasing process but also speeds it up, which is crucial in today's fast-paced lifestyle. Manually entering all the information for bank transfers was never a convenient solution, which is why auto-fill forms were created. With the emergence of BLIK, however, it has become the preferred alternative.
These simple steps allow you to use the BLIK system for online payments, in brick-and-mortar stores, and for withdrawing cash from ATMs:
Payment in a Store
Inform the seller you will pay with BLIK.
Open your mobile app and generate a BLIK code.
Enter this code on the store's payment terminal.
Confirm the payment on your smartphone, following the instructions in the app.
Payment on the Internet
Choose the "BLIK Payment" option during the checkout process on the website.
Open your mobile app and generate a unique BLIK code.
Enter this code on the appropriate web page.
Confirm the payment on your smartphone, following the instructions in the app.
BLIK ATM Withdrawal
Check if the ATM supports withdrawals using the BLIK system.
Select the BLIK withdrawal option on the ATM screen.
Choose the desired withdrawal amount.
Open your mobile app and generate a BLIK code.
Enter this code into the ATM.
Confirm the transaction on your smartphone, following the instructions in the app.
Benefits of using BLIK
Versatility
The system is supported by many banks, making it accessible to a wide range of users. This is important for online sellers because they can provide the convenience of payments to the maximum number of their customers.
Speed and efficiency
The lack of transaction processing delays allows customers to finalize purchases quickly, which in turn helps increase conversion rates for online stores.
Innovative user experience
BLIK creates an innovative experience for consumers, removing the boundaries between offline and online payments. The system makes paying for goods in online stores quick and convenient—especially since every bank's mobile application implemented this solution very quickly. This is not just a payment but an interaction that can be the key to building customer loyalty.
Security
BLIK uses modern encryption and authentication methods to ensure the protection of customers' personal data. A generated code is valid for only two minutes, and even if someone were to intercept it, the transaction still requires PIN confirmation.
This makes the system attractive to those who value security in online payments.
Incorporating BLIK into the Business Strategy of Online Stores
Improve the Shopping Experience
Above all, BLIK allows users to make payments for purchases in brick-and-mortar stores and online using a smartphone. This means there is no need to carry cash or payment cards, which increases the convenience and security of transactions. Additionally, payments with BLIK are made almost instantly, which speeds up the purchasing process.
The implementation of BLIK can also benefit companies, which will be able to handle payments more efficiently and increase their competitiveness on the market. As a result, customers may be more likely to return to a given store, which will contribute to improving the shopping experience.
Overall, the implementation of BLIK will help streamline the payment process, which can increase customer satisfaction and build a positive company image. Therefore, it is a beneficial solution for both consumers and entrepreneurs.
Attracting Mobile Users
Furthermore, using the BLIK application is very convenient and fast, which can help increase sales through mobile payments. A store can also use BLIK to promote and offer discounts, encouraging customers to use this form of payment.
Thanks to BLIK's mobility, a store can reach a wider group of customers, including those who are often on the go and prefer a simple and convenient way to make purchases. This can increase customer loyalty and contribute to revenue growth.
It is also worth noting that using BLIK can increase transaction security, which is important for customers. Therefore, using this form of payment can bring many benefits to a store and help increase its attractiveness to customers.
Marketing Opportunities
Using BLIK opens the door to marketing campaigns and special offers for those who choose this payment method.
This gives companies the opportunity to reach customers with personalized offers and ads that are tailored to their preferences and transaction history. As a result, customers who use BLIK can receive special promotions, discounts, rewards, or other benefits for choosing this payment method. Additionally, handling BLIK payments allows companies to track customers' purchasing behavior and tailor offers to their needs, which in turn helps increase customer loyalty and engagement. This means that BLIK users can have access to exclusive offers and promotions that are not available to other customers. This, in turn, can encourage them to use this payment method and remain loyal to a given brand. In this way, using BLIK can open the door to various benefits and special offers that can convince customers to choose this payment method.
Increasing the Level of Security
BLIK introduces high security standards for mobile payment systems, which directly supports customer trust in the store.
Thanks to the transaction authorization system based on a unique one-time code, BLIK ensures that all payments are secure and reliable. Additionally, continuous investments in technology development and monitoring of potential cyber threats ensure that customers can be sure that their personal and financial data are fully protected. Thanks to this high level of security, the implementation of BLIK positively impacts the reputation of the store and its business.
Increasing Competitiveness
Offering a variety of payment methods, including BLIK, can make a store more competitive in the eyes of consumers. Various payment methods, such as contactless payments or BLIK, can make a store more attractive to customers, as it gives them greater convenience and freedom when making transactions. Customers like to have a choice and the ability to pay for products and services in a way that suits them. Therefore, the presence of different payment options can convince customers to choose a given store over the competition. As a result, a store that offers a variety of payment methods can gain a competitive advantage on the market and attract a greater number of loyal customers.
Implementation Risks
Technical Costs
The integration of BLIK may require adapting the existing payment system to new standards and protocols, which can involve additional costs related to technical development. Furthermore, it may also be necessary to train employees and introduce new payment handling procedures. Therefore, before deciding to integrate BLIK, it is worth carefully analyzing all the costs associated with this process.
Market Limitations
Some stores, especially those located in cities bordering other countries or popular among tourists, may encounter problems accepting BLIK payments due to geographical limitations. People from other countries who use BLIK in their home country may have difficulty making payments in stores that do not support this form of payment.
For international stores, this can be particularly cumbersome, as they must provide the ability for customers from various countries to pay for purchases. In such cases, it is worth considering alternative forms of payment that are accepted worldwide, such as credit cards or mobile payments handled by popular apps.
In the long run, it is also worth monitoring the development of payment services to stay up to date with any changes in BLIK's geographical restrictions and adapt to the needs of international clientele.
The Need for Education
Customers may need time to master the new system, which may require additional educational effort. A company can organize training sessions, seminars, or workshops to help customers master the new system. It can also provide training materials, instructions, or online guides that answer the most common questions or doubts. It is important to provide support and technical assistance in case of any problems or questions. With adequate educational support, customers will be able to use the new system as quickly as possible and see for themselves how BLIK works and how much it can impact their purchases.
Blik — Polish payment standard
Implementing BLIK as a payment method in an online store can bring many benefits, such as quick and convenient transactions, increased security, and the ability to integrate with other payment systems. However, before deciding to implement BLIK, several important issues should be considered.
First, you need to carefully analyze the costs associated with the implementation. Many e-commerce platforms offer BLIK integration, but there may be additional fees for using this payment method. Therefore, you should carefully analyze the costs and the possibility of negotiating the terms of cooperation.
Second, you need to pay attention to the technical aspect. Implementing BLIK requires integration with the online store's system, which can be time-consuming and require appropriate technical expertise. Therefore, you should make sure that the IT team can carry out the integration smoothly and without problems.
Third, it is important to properly prepare staff and customers. It is necessary to train employees who operate the payment system and to adjust the online store's interface to allow customers to use BLIK conveniently as a payment method.
The conclusion is that incorporating BLIK into an online store's strategy can bring many benefits, but it requires careful preparation and analysis. You should carefully analyze the financial and technical aspects and properly prepare staff and customers for the implementation to be effective and bring the expected benefits.