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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.

Overview

Payment group:
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:

  1. 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).
  2. Contact your account manager or our support team: request the activation of the BLIK payment method.
  3. 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

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. 

  1. Your customers finalise an order on their desktop or mobile browser in your shop and select BLIK as a payment method.
  2. You send this CreateHostedCheckout request to our platform.
  3. 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.
  4. Your customers confirms the payment in their banking application.
  5. We receive the transaction result.
  6. We redirect your customers to your redirectUrl on their desktop or mobile browser.
  7. You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
  8. 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 

       

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