BLIK

BLIK is the most used way to pay online in Poland. It is built into the banking apps of about 20 Polish banks, and your customer approves each payment in their banking app. In the first half of 2026, BLIK had 21.6 million active users and handled 767 million online payments.

Payment method details


Currency	PLN
Countries	Poland
Minimum transaction value	0.01 PLN
Maximum transaction value	50,000 PLN. The customer's bank can set a lower limit.
Payment method session expiry	The code is valid for 2 minutes. After your customer enters it, they have 55 seconds to approve the payment in their banking app.
Capture	Not supported
Cancel	Not supported
Refund	Full and (multiple) partial refunds are supported. Up to 13 months.
Disputes	Supported. A customer can dispute a BLIK payment up to 13 months after the payment.
Tokenization	Not supported
Statement descriptor	Standard constraints apply. No payment method specific restrictions.
Supported integrations	Checkout Components (Payment Methods List), Hosted Checkout

How your customer pays with BLIK

Your customer selects BLIK in the Rootline checkout. A field for the 6-digit code opens.
Your customer opens their banking app, gets the code and types it in the field.
The checkout asks your customer to confirm the payment in their banking app.
Your customer approves the payment in the app.
The checkout moves on to the confirmation by itself.

Create a seamless flow with the Payments API

In The Payment API section we explain how the Payments API can be leveraged to create a payment.

Checkout integration

Let Rootline handle the payment method selection. Start the payment by sending a payment request with the details below. Your customer selects BLIK in the Rootline checkout and enters their code there.

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "PLN",
    "quantity": "100.00"
  },
  "reference": "test_reference",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

The API returns a next_action object with a checkout_url. This URL leads your customer to the Rootline checkout page, where they select their payment method and enter their payment details.

{
    "id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2026-10-16T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "PLN",
        "quantity": "100.00"
    },
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "https://checkout.staging.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/checkout"
    },
    "statement_descriptor":"Bank statement text",
    "return_url": "https://www.my_return_url.com"
}