| Countries | Poland (PL) |
| Currencies | Polish Zloty (PLN) |
| Min amount | 30 PLN |
| Max amount | 4,000 PLN per transaction (based on creditworthiness) |
| Integration type | API v1 |
| Payment Page | |
| Payment Link |
| One-time | Yes | one-time |
| 1-click | No | |
| Recurring | No | |
| Unscheduled | No |
| Refund | Yes |
| Partial refunds | Yes |
| Multiple partial refunds | Yes |
| Chargeback | No |
BLIK Pay Later is a deferred payment method available in Poland. Customers use the same BLIK ecosystem as standard payments, but the payment is postponed for 30 days.
Currently, this option is available to the customers of PKO BP, Bank Millennium, Spółdzielcza Grupa Bankowa, and VeloBank, with a spending limit of up to PLN 4,000.
Repayment is managed within the customer's banking app, with reminders sent before the due date. For merchants, BLIK Pay Later is built on existing BLIK infrastructure.
Principle of operation
-
Selection at checkout
Customer selects BLIK Pay Later as the payment method at checkout. -
Payment initiation
Merchant sends a payment request to Solidgate with payment_method blik-bnpl . Solidgate returns a redirect URL inpay_form.return_url. -
Redirect to BLIK
The customer is redirected to BLIK's hosted page, where they should enter a one-time BLIK code. BLIK evaluates credit eligibility and handles approval transparently. -
BLIK Pay Later confirmation
Customer reviews the deferred payment terms and confirms the purchase on the BLIK page. -
Alternative BLIK option
On the same BLIK page, the customer can also complete the purchase with standard BLIK by selecting Zapłać Blikiem and entering a six-digit code. Solidgate notifies the merchant of the final payment outcome regardless of which option the customer chooses. -
Merchant notification
Solidgate sends a notification Webhook confirming the final payment outcome.
BLIK Pay Later is an asynchronous payment method. The order
Guide
Monitor alternative payment order statuses, handle async confirmation flows, and manage refunds with real-time lifecycle event tracking.
status
remains
processing
until the webhook is received. The BLIK Pay Later session remains open for 18 minutes. If the customer does not complete payment within this window, the order is
declined
.
In some cases, BLIK or the customer's bank may request verification of the payer. A restricted PESEL is the most common reason this does not clear. The customer can complete the purchase via standard BLIK right away, or lift the restriction and try BLIK Pay Later again next time.
order.future_usage.payment_type with
one-time
. Without this field, BLIK Pay Later is hidden from the page and no error is returned.
Refunds and chargebacks
The merchant receives the full amount after a successful payment, regardless of when the customer repays the bank. Refunds follow the standard flow in Solidgate Hub or with the refund API v1 endpoint, including partial and multiple partial refunds. BLIK and the customer’s bank adjust the deferred balance automatically.
BLIK Pay Later has no card-style chargeback. The customer can open a dispute, which BLIK handles as the lender and decides whether to refund the customer. There is no chargeback debit to contest and no representment. If a customer complaint reaches Solidgate, Solidgate forwards it to BLIK and provides documents or technical incident information on request. If the customer returns goods, issue a refund.