Introduction

Blik Pay Later is a Buy Now, Pay Later payment method that allows Polish consumers to complete purchases instantly and repay the full amount within thirty days, directly through their trusted banking apps. The BLIK Pay Later service is available to customers of PKO BP, Bank Millennium, SGB and VeloBank.

Supported Countries

Poland

Supported Currencies

Merchant Branding Requirements

To comply with merchant branding requirements, on the payment page:

Include the text ‘The BLIK Pay Later service is available to customers of PKO BP, Bank Millennium, SGB and VeloBank.’
Polish translation: ‘Usługa BLIK Płacę Później dostępna dla Klientów PKO BP, Banku Millennium, SGB i VeloBanku.’
Include the text ‘Learn more’, with a hyperlink on the text to the following URL: https://www.blik.com/place-pozniej
Polish translation: ‘Dowiedz się więcej’

The ‘BLIK Pay Later’ payment method may not be displayed or positioned less favorably than other Buy Now Pay Later payment methods offered by merchants. Specifically, ‘BLIK Pay Later’ shall not be placed at the end of the list of Buy Now Pay Later payment methods.

Payment (Deposit) Flow

To perform a payment using Nuvei REST API 1.0 integration:

Generate a sessionToken.

For details, see the Authentication document, in the ‘sessionToken’ section.

Send a /payment request that includes the following mandatory parameters:

userTokenId
amount
currency
paymentOption.alternativePaymentMethod class containing:
- paymentMethod: “apmgw_BLIK_BNPL“
deviceDetails class containing: ipAddress
billingAddress class containing: firstName, lastName, country, email
userDetails class containing: firstName, lastName, country, email

Example `/payment` Request

{
    "sessionToken": "{{sessionToken}}",
    "merchantId": "{{merchantId}}",
    "merchantSiteId": "{{merchantSiteId}}",
    "clientRequestId": "{{clientRequestId}}",
    "timeStamp": "{{timestamp}}",
    "checksum": "{{checksum}}",
    "currency": "PLN",
    "amount": "11.55",
    "userTokenId": "abc_{{$timestamp}}",
    "paymentOption": {
        "alternativePaymentMethod": {
            "paymentMethod": "apmgw_BLIK_BNPL"
        }
    },
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "country": "PL",
    "email": "[email protected]"
  },
  "userDetails":{
    "firstName": "John",
    "lastName": "Smith",
    "country": "PL",
    "email": "[email protected]"
  },
    "deviceDetails": {
        "ipAddress": "93.146.254.172"
    }
}

BLIK Pay Later processes the transaction, then returns a transaction notification and status.

Example `/payment` Response with `status: "SUCCESS"`

{
    "internalRequestId": 1774357041242,
    "status": "SUCCESS",
    "errCode": 0,
    "reason": "",
    "merchantId": "5634436935940029474",
    "merchantSiteId": "554117",
    "version": "1.0",
    "clientRequestId": "20260324145721",
    "sessionToken": "f0688e6a52064533a1ae4314943b2f8d0111",
    "orderId": "478218111",
    "userTokenId": "abc_1774357042",
    "paymentOption": {
        "redirectUrl": "https://apmtest.gate2shop.com/ppp/resources/cdn/v1/payment-details-1151398.html?token=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",
        "userPaymentOptionId": "230589512111",
        "card": {}
    },
    "transactionStatus": "REDIRECT"
}

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

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

ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=481152111&userid=TestUserTokenID4982140912&merchant_unique_id=&customData=&productId=&first_name=John&middle_name=&last_name=Smith&email=john.smith%40email.com&currency=PLN&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=&phone2=&phone3=&client_ip=93.146.254.172&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=242181&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_BLIK_BNPL&ID=&merchant_id=5634436935940029474&responseTimeStamp=2026-03-27.06%3A54%3A28&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=TestUserTokenID4982140912&userPaymentOptionId=230589019111&TransactionID=2610000000000546940&externalTransactionId=90884297224&APMReferenceID=67FC6A414F2B2981050B30948782299B&orderTransactionId=2910644111&totalAmount=100.00&dynamicDescriptor=static+test&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=&maskedNetworkTokenNumber=&upoRegistrationDate=20260323&type=DEPOSIT&clientRequestId=20260327085418&relatedTransactionId=&apmPayerInfo=%5B%7B%22name%22%3A%22buid%22%2C%22value%22%3A%22a2ff9fb3d689c3d1%22%7D%5D&sessionId=e127d6e8d4d945c19cc8c69c63e1&responsechecksum=de8c9afe074ab10620086c0b7c0f78b4&advanceResponseChecksum=559c941d0cb3157a4b6685fd081adbe7

User Experience

The user selects the BLIK Pay Later payment option.
The user is redirected to the BLIK payment page.
On the BLIK payment page, the user enters a BLIK code.
- If there are three failed code-entry attempts by the user, the user is automatically redirected to Nuvei Cashier.
- If the user presses ‘Cancel’ and proceeds with payment via BLIK Redirect, the user transitions from a BLIK Pay Later transaction to a BLIK Redirect transaction but the transaction remains registered under the BLIK Pay Later method.

The user is instructed to complete the process in the user’s bank app.
The user approves the transaction by entering a PIN code.
A success page is displayed.
From the success page, the user returns to Nuvei Cashier either by pressing the ‘Go back to shop’ button before 20 seconds has expired or via an automatic redirect after 20 seconds has expired.

Testing

For testing assistance, contact Nuvei Support.

BLIK Pay Later