Blik Pay Later

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Blik Pay Later
Offer BLIK Pay Later in Poland so customers can defer payment for 30 days while merchants receive funds upfront through existing BLIK infrastructure
Payment typeOnline
Payment flowRedirect

Checkout

Integration type API v1
Payment Page
Payment Link

Coverage

CountriesPoland (PL)
CurrenciesPolish Zloty (PLN)
Min amount0.01 PLN
Max amount4,000 PLN per transaction (based on creditworthiness)

Capabilities

RecurringNo
RefundYes
Partial refundsYes
Multiple partial refundsYes
ChargebackNo

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
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  1. Selection at checkout
    Customer selects BLIK Pay Later as the payment method at checkout.
  2. Payment initiation
    Merchant sends a payment request to Solidgate with payment_method blik-bnpl . Solidgate returns a redirect URL in pay_form return_url .
  3. Redirect to BLIK
    Customer is redirected to BLIK's hosted payment page (Płacę Później). No BLIK code entry is required on the merchant's checkout. BLIK evaluates credit eligibility and handles approval transparently.
  4. BLIK Pay Later confirmation
    Customer reviews the deferred payment terms and confirms the purchase on the BLIK page.
  5. 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.
  6. Merchant notification
    Solidgate sends a notification Webhook confirming the final payment outcome.
Blik payment page example Blik payment page example Blik payment page example

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 .

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