Poland is one of Europe's most active ecommerce markets, and its payment preferences are distinctly local. BLIK dominates the region, meaning any merchant entering the Polish market without considering integrating it operates at a disadvantage to the competition.
BLIK is a mobile payment system launched in 2015 and has since become the leader in online payments within Poland. As of Q3 2025, BLIK has 20 million active users, effectively half of Poland's adult population, and in 2024, it processed 2.4 billion transactions with a total value exceeding PLN 347.3 billion (roughly €82 billion).
How BLIK works at checkout
BLIK operates through a consumer's existing mobile banking app. At checkout, the shopper requests a six-digit, one-time code (OTC) from their bank app, enters it into the merchant's payment field, and confirms the transaction with a PIN or biometric authentication within the app. No card details are entered, a separate account isn’t needed and no payment credentials are stored on the merchant side.
The flow is fast and convenient for consumers, and entirely self-contained within their existing banking solution. This embedded bank integration is a significant part of why BLIK consistently delivers a daily conversion rate in Poland of between 93% and 95%.
BLIK’s scale and impact on Poland
For merchants, a single BLIK integration covers multiple payment scenarios:
- Ecommerce
- Mobile in-app purchases
- ATM cash withdrawals and deposits
- Contactless POS transactions
The average ecommerce transaction value sits at around €35, while BLIK's deferred payment product, BLIK Pay Later, carries a significantly higher average of €74 per transaction.
It’s popular in-store too: in 2024, BLIK processed 263 million contactless transactions in physical stores, and by Q3 2025, it accounted for 5.8% of all in-store payments in Poland. BLIK payments at payment terminals are also gaining popularity; in Q1 2025, users completed 154.5 million in-store payments, with nearly half being contactless.
BLIK's position in the Polish ecommerce market
The scale of BLIK's ecommerce dominance is evident. BLIK is the most commonly used payment method in Poland (accounting for 30% of all ecommerce volume), surpassing both card payments and traditional bank transfers.
According to data from Narodowy Bank Polski, in Q1 2025 BLIK accounted for 70% of all ecommerce transactions in Poland by volume, with Polish shoppers completing 325 million online payments. Card payments ranked second with 17% of online payment operations.
As of Q3 2025, BLIK held approximately 58% market share of all online payment volumes. This is approaching the 60% penetration mark, a threshold rarely achieved by other localised payment methods in European markets.
Advantages for merchants
There's opportunity for merchants considering BLIK: Adding the payment method to your checkout directly affects your conversion rates. Consumers trust BLIK as it’s embedded in every major Polish banking app, and encounter it daily whenever they pay. This means merchants who display BLIK prominently in their checkout, along with major global cards, are aligned with the default expectation of Polish consumers.
From an operational standpoint, a single BLIK integration covers the full payment cycle: online, mobile, in-store contactless (including 48% of POS contactless transactions in Poland), and ATM. Plus, there's no need for separate technical implementations across these channels, which reduces complexity and maintenance overhead for merchants.
BLIK beyond Poland
For merchants building a multi-market strategy in Central and Eastern Europe, BLIK's regional ambitions are worth factoring in. In May 2026, BLIK joined the European Payments Alliance and European Payments Initiative to enable cross-border interoperability. Other participants in the initiative include Bancomat, Bizum, MB Way, Wero, and Vipps MobilePay, meaning a single BLIK integration today has the potential to cover more regions following European expansion into Romania and Slovakia.
How payabl. makes BLIK integration straightforward
Integrating BLIK through payabl. means merchants don't need to manage separate acquiring relationships or local gateway connections to reach Polish consumers.
Through the payabl. checkout solution, merchants offer BLIK alongside 300+ payment methods via a single integration, providing direct access to 20 million active users while keeping checkout localised for each market.
Add BLIK to your checkout with payabl. Speak to our team to get started.