Poland · Mobile Payment · Est. 2015
Poland's uniquely successful mobile payment system based on one-time 6-digit codes generated in banking apps — no card numbers, IBANs, or phone numbers needed. BLIK is used by over 70% of Polish adults for P2P transfers, online checkout, in-store payments, and ATM withdrawals. Operated by Polish Payment Standard (a consortium of major Polish banks), BLIK transactions clear through the Express Elixir real-time clearing system run by KIR (National Clearing House). With ~2B transactions per year and growing international expansion, BLIK is one of Europe's most innovative payment systems and a model for mobile-first payment adoption.
BLIK is Poland’s real-time payment system (Mobile Payment), launched in 2015. Polands uniquely successful mobile payment system based on one-time 6-digit codes generated in banking apps — no card numbers, IBANs, or phone numbers needed.
BLIK processed 2.9 billion transactions worth $110.3bn in 2025, a year-on-year change of +22.1%.
BLIK is operated by PSP, with instant settlement.
BLIK launched in 2015, and today has 15 participating institutions.
BLIK supports QR code payments, digital wallets, proxy/alias lookup, request-to-pay.
Data source: PSP / BLIK.
| Capability | Status |
|---|---|
| QR Code Payments | ✓ |
| Wallet Support | ✓ |
| 24/7 Availability | ✓ |
| Cross-Border | — |
| ISO 20022 | — |
| Request to Pay | ✓ |
| Open API | ✓ |
| Alias/Proxy | ✓ |