Accept BLIK payments with Checky Pro

Six digits from the banking app your customer already has open. No card, no redirect, no account to create — and it now carries most of Polish e-commerce.

See all 24 methods

New here? Checky Pro is the payments & checkout platform for modern e-commerce — BLIK is one of the 21 payment methods you can switch on today.

What is BLIK?

BLIK works backwards compared with almost every other payment method. Instead of sending the customer somewhere to authenticate, it sends a code the other way: the shopper opens their own banking app, taps for a BLIK code, and types those six digits into your checkout. The payment is then approved back in the app. Nothing is redirected and no card number exists anywhere in the flow.

It was built by the Polish banks together in 2015 and has since become the thing Polish e-commerce runs on — well over half of it, on more than twelve million active users in a country of thirty-eight million. Crucially, it is not a separate app anyone had to download: BLIK lives inside the banking apps people already use, which is why adoption moved as fast as it did.

The six digits are short-lived by design — around thirty minutes — because they are effectively a one-time password for a single payment. For you that means a customer who abandons halfway leaves nothing dangling, and a payment that does complete was authorised inside the bank’s own app rather than by a card number that could have been typed by anyone.

What BLIK can do

Coverage, costs and capabilities. Every method page answers the same questions in the same order, so you can compare two methods line by line.

Coverage

Payment type: Mobile payment — bank-backed code
Channel: Online
Consumer countries: Poland
Available for: Companies in the EU, UK & US

Your company is registered in

Pricing & settlement

Processing fee: 2,95% + € 0,25
Authorization fee: NoneThe € 0,25 is part of the price above — no separate fee per attempt.
Currency conversion: 2%Only when your customer pays in another currency than the one you are paid out in.
Settlement currency: EURPayout in GBP or USD is possible too, at the 1% multi-currency fee.
Settlement: 3–7 business days

Features

Refunds: Supported.
Partial refunds: Supported.
Recurring payments: Supported.A first BLIK payment can be saved for one-click and recurring charges.
3-D Secure: Not supported.Not needed — the customer approves inside their own banking app.
Express wallet buttons: Not supported.Wallet buttons run on cards.
Multi-acquirer routing: Not supported.BLIK runs on a single acquiring route.
Chargebacks: Supported.From € 25,00 per dispute. Rare, because the payment is approved in the bank’s own app.
Chargeback alerts: Not supported.Pre-dispute alerts come from card issuers — they do not exist on BLIK.

Prices follow the region above and come from the same rate card as the pricing page. They may still vary with merchant profile, processing volume and acquiring setup.

Why BLIK, and why through Checky Pro

The top row is the method itself; the bottom row is what our platform adds on top of it.

Most of Polish e-commerce

Twelve million active users and the majority of Polish online payments. In Poland this is not an alternative method — it is the main one.

No redirect at all

The customer never leaves your checkout page. They fetch a code in their banking app and type it in — that is the whole handover.

A code that expires

Each code is good for one payment and about thirty minutes. Approval happens inside the bank’s app, so there is no card number to steal.

Costs you can trace

The 2,95% and the 2% conversion are itemised per transaction — you see what each złoty payment became in your own currency.

One balance, two currencies

Polish payments land in the same balance and payout schedule as your euro ones. One reconciliation, not two.

Offer it next to cards

BLIK covers the Polish shoppers who pay from their banking app; cards and wallets cover the rest. Both are switches in the same dashboard.

How a BLIK payment works

From click to balance — what your customer sees, and what happens behind it.

1
Opens their banking app
The customer taps for a BLIK code — it lives inside the banking app they already use, not a separate one.
2
Types the six digits
The code goes straight into your checkout. No redirect, and the code expires in about thirty minutes.
3
Confirms in the app
The bank app shows your store and the amount, and the customer approves with their PIN or fingerprint.
4
Confirmed in seconds
Your store hears back immediately and the order can go to fulfilment.
5
Settled to your balance
Converted from PLN and added to your Checky Pro balance, paid out in 3–7 business days.

BLIK, answered

Still something open? The team answers on WhatsApp, usually the same day.

What does a BLIK payment cost?

For a company in the EU: 2,95% plus € 0,25 per transaction, and 2% currency conversion because Polish customers pay in złoty. There is no authorization fee. Rates and conversion differ per region — switch the region above the pricing table on this page to see yours.

Do my customers need to install anything?

No — that is why BLIK grew so fast. It is built into the banking apps Polish customers already have, so there is no separate app and no registration.

What happens if the code expires?

Nothing is charged. A code is valid for one payment and about thirty minutes; if the customer takes longer they simply fetch a new one.

Can a BLIK payment be charged back?

Yes, BLIK has a dispute procedure. In practice it is rare, because the payment is approved inside the customer’s own banking app rather than with a card number.

Can I use BLIK for subscriptions?

Yes. A first BLIK payment can be saved so later charges go through without a new code, which is how one-click and recurring work in Poland.