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Attributes

METHOD TYPEReal-Time Bank Transfer
PAYMENTS
PAYOUTS
REFUNDS
RECURRING

Introduction

BLIK is a mobile payment system in Poland that allows users to make payments using their mobile phone. It can be used to make purchases in stores, online and to transfer money to other users.

It is a secure, fast, and convenient way to make payments and it is widely accepted by retailers and businesses in Poland.

Supported Countries

Poland

Supported Currencies

UX Requirements

Use the most up-to-date logo.
The method name is BLIK and the input field is blik_code.
BLIK code validation: only 6 digits are allowed.
When entering the 6-digit code, the cashier should display it to the user as [3digits][space][3digits].
The 6-digit code should prompt the numeric keyboard on a mobile device.
Once a One-Click account is created (after a successful transaction), the cashier should display two BLIK options:
- The “original method” is renamed to “BLIK with code”.
- The saved account appears as “BLIK without code” (press here for details).
After initiating a deposit, the user needs to see this message:
- PL: “Potwierdź płatność w aplikacji swojego banku.”
- ENG: “Confirm the payment in your bank’s app.”

Payment (Deposit) Flow

Send a `/payments` Request

Perform the payment by sending a /payments request with its mandatory parameters including:

buyerDetails.buyerId
amount
currency
paymentOption.alternativePaymentMethod:
- name: "blik"
- data.blikCode
deviceDetails.ipAddress
buyerDetails.billingAddress.countryCode
buyerDetails.firstName, lastName, country, email

Example `/payments` Request

{
    "processingEntityId": "",
    "amount": 1,
    "currency": "EUR",
    "transactionType": "Sale",
    "paymentOption": {
        "alternativePaymentMethod": {
            "name": "blik",
            "data": {
                "code": "<blik code>"
            }
        }
    },
    "custom": {
        "description": "Some description"
    },
    "urlDetails": {
        "webhookUrl": "https://example.com/webhook",
        "successUrl": "https://example.com/success",
        "failureUrl": "https://example.com/failure",
        "pendingUrl": "https://example.com/pending"
    },
    "deviceDetails": {
        "ipAddress": "192.168.2.38"
    },
    "buyerDetails": {
        "buyerId": "JohnSmith123",
        "firstName": "John",
        "lastName": "JSmith",
        "companyName": "Nuvei Corp",
        "locale": "bg-BG",
        "dateOfBirth": "1978-01-01",
        "email": "[email protected]",
        "phone": "+1234567889",
        "billingAddress": {
            "address": "30 Alenbi st",
            "zip": "1234",
            "city": "Berlin",
            "countryCode": "DE",
            "phone": "+1234567889",
            "addressMatch": true
        },
        "shippingAddress": {
            "sameAsBilling": true
        }
    }
}

BLIK processes the transaction and returns a transaction notification and status.

Example `/payments` Response

{
  "internalRequestId": 913985339,
  "status": "SUCCESS",
  "errCode": 0,
  "reason": "",
  "merchantId": "4273555827014385119",
  "merchantSiteId": "222058",
  "version": "1.0",
  "clientRequestId": "20240212132854",
  "sessionToken": "103fe11e-06b2-4af7-b494-724b44bc4e8b",
  "clientUniqueId": "20180327175242",
  "orderId": "420274599",
  "userTokenId": "TestToken2",
  "paymentOption": {
    "userPaymentOptionId": "104082698",
    "card": {}
  },
  "transactionStatus": "PENDING",
  "transactionId": "711000000032057913"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) (webhook) that includes the result of the transaction to urlDetails.webhookUrl, which Nuvei recommends including in the /payments request.

Example `/payments` DMN with `status`=APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=49999999999&userid=7129999999990408448&merchant_unique_id=P991115001029224930BPG&customData=&productId=&first_name=John&last_name=Smith&email=john.smith%40email.com&currency=PLN&clientUniqueId=P231111111111111111&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=Poland&state=&city=&zip=&phone1=48-500038756&phone2=&phone3=&client_ip=188.123.211.13&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=BLIK-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=253318&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_BLIK&ID=&merchant_id=5855689376797576890&responseTimeStamp=2023-11-15.22%3A50%3A09&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=7124648678530408448&userPaymentOptionId=3343678286&TransactionID=2130000003751688921&ExternalaccountID=009040&externalTransactionId=77335772831&APMReferenceID=641AEA29FD681BD156CC5F798C539FA3&orderTransactionId=49934074126&totalAmount=303.99&dynamicDescriptor=NuveiDescriptor&item_name_1=NA&item_number_1=&item_amount_1=100.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&cryptogram=&upoRegistrationDate=20231116&type=DEPOSIT&clientRequestId=P231115001029224930BPG&relatedTransactionId=&sessionId=52d54fb30876dabfd3248ac87402&responsechecksum=5cc71c96c150f2ddeaad0112f9be686e073a26809caa36f45a685f2179633c1b&advanceResponseChecksum=db1fb6d1256d5b230756c8f80e413b040f93e8e558b582ad295c772e4d4d9e77',

User Experience (Direct)

The user selects the BLIK payment option on the Merchant’s payment page.
The user logs in to their bank application to get their 6-digit BLIK code.
The user enters the 6-digit code in the Cashier.
The user must confirm the transaction on their bank application.

Testing

Testing payments using the BLIK channel requires an authorization code. For test payments, a valid authorization code starts with 777 (such as 777654). A code that does not start with 777 (such as 332885) is considered invalid and the payment is declined.

To test one-click, use amount *.04 PLN

Appendix – BLIK One-Click

The one-click payment method is an extension of the regular BLIK payment, with the ability to remember the device that the customer most often uses to finalize the transaction. The user interface is extended by the option to pay with a one-click flow. In the one-click flow, the user only needs to enter their 6-digit code once. For future deposits, the code is not required.

REST API

To initiate one-click, include usageIntent: “direct” in the /payments request.

Example One-Click `/payments` Request

{
    "paymentOption": {
        "alternativePaymentMethod": {
            "name": "blik",
            "data": {
                "code": "<blik code>"
            },
            "usageIntent": "direct"
        }
    }
}

The response and the DMN (webhook) include the paymentTokenId to use in subsequent BLIK one-click transaction requests.

Example Subsequent One-Click`/payments` Request with `paymentTokenId`

{
    "paymentOption": {
        "paymentTokenId": {
          "paymentTokenId": "<payment token id>",
         "usageIntent": "direct"
    }
}

BLIK