BLIK

Intro

BLIK is the most popular mobile payment method in Poland for online payments. It enables e-commerce payments, POS payments (including contactless payments), ATM cash withdrawals, and mobile P2P payments.

BLIK is linked to a bank account rather than a physical card. With 90% of Polish bank customers having access to BLIK through their banking apps, it offers a broad reach and convenience.

To complete a payment with BLIK, customers generate a unique 6-digit code within their banking app and enter it at checkout. They then confirm the transaction in their app, ensuring seamless and secure authentication without third-party involvement.

Integrating BLIK is simple and requires only a few additional properties in the request. You can easily enable BLIK payments through Hosted Checkout Page solutions, plugins, or direct API integration.

Optimised for Desktop Tablet Mobile

Overview

Payment group:

Mobile

Payment product id:

3204

Key benefits

Easy integration
Wide coverage
Secure payments
Allows
Direct Sales
Multiple/partial/refunds

Onboarding

Are you using the Back Office or Merchant Portal?
You can activate the BLIK payment method yourself via Configuration menu in your Back Office or Merchant Portal.

To activate BLIK in your live account, follow these steps:

Make sure you meet the requirements:
• You must have an Acceptance contract with Worldline e-commerce solutions.
• You must have an Acquiring contract with WL Red (EU).
Contact your account manager or our support team: request the activation of the BLIK payment method.
Go live: before going live, ensure that all API endpoints and credentials are switched from the test to the production environment.
Failure to do so will result in unsuccessful transactions.

Countries & currencies

Supported countries

Poland

Supported currencies

Polish zloty (PLN)

Integration

Integration Steps for Hosted Payment Page

Create a Hosted Checkout

When your customer proceeds to checkout, initiate a hosted checkout session by calling our API. Add the following properties to a standard CreateHostedCheckout request:

{ 
"order":{ 
"amountOfMoney":{ 
"currencyCode":"PLN", 
"amount":1700 
}, 
"redirectPaymentMethodSpecificInput":{ 
"paymentProductId":3204, 
"requiresApproval":false 
} 
}

Properties	Remarks
order.amountOfMoney amount currencyCode	amount : The gross amount you want to charge for this order. currencyCode : The ISO 4217 currency code for this amount.
redirectPaymentMethodSpecificInput paymentProductId requiresApproval	paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter. It instructs our platform to send your customers directly to the BLIK-branded version of our Hosted Checkout Page. If omitted, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method that is active in your account. requiresApproval: Set to either "true" or "false" depending on whether you want to process payments in authorisation/direct sale mode

Process flows

Depending on your customers' device(s) used, the checkout flow for BLIK is the same:
With a desktop or a mobile device.

Your customers finalise an order on their desktop or mobile browser in your shop and select BLIK as a payment method.
You send this CreateHostedCheckout request to our platform.
You redirect your customers on their desktop or mobile browser via the redirectUrl to our Hosted Checkout Page. Your customers type and enter the 6-digit BLIK code that is generated in their banking application.
Your customers confirms the payment in their banking application.
We receive the transaction result.
We redirect your customers to your redirectUrl on their desktop or mobile browser.
You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
If the transaction was successful, you can deliver the goods / service.

Testing

Test Environment

Before going live, we advise you thoroughly test your BLIK integration in the test environment. You can test all scenarios including:

Successful payment flows
Refund processes
Error scenarios

In the test environment, you'll need to use test BLIK codes provided below. Contact your account manager or our customer support for further support.

Test cases

Test case	Description	Expected Result	Test code
Successful payment	Complete a payment with a valid test BLIK code	Transaction completes successfully and order status updates accordingly	999 000
Expired BLIK code	Attempt payment with a BLIK code older than 2 minutes	Transaction fails with appropriate error message. “Incorrect BLIK code was entered. Please try again.”	989 111 Note: This statement must be included in the test scenario. To replicate this behavior, set the merchant's website URL as 'mock' in the Backoffice (BO) and use the amount 48400 in the request (484.00 zloty).
General error	General scheme errors	Transaction fails with appropriate error message.	961 111
User declined	The transaction authentication declined by the shopper in the banking app	Transaction fails with appropriate error message. “Payment rejected in a banking application.”	934 111
Insufficient funds	Attempt to pay with insufficient balance in the bank account	Transaction fails with appropriate error message. “Payment failed. Insufficient funds.”	960 111
Timeout	The shopper did not authorize the payment within the 2-minute BLIK code expiry time	Transaction fails with appropriate error message. "The payment was not confirmed in time. Please retry and confirm in your banking app promptly."	989 111
Issuer declined	The payment was declined by the shopper’s bank	Transaction fails with appropriate error message.	902 111