Blik

Blik is Poland's leading instant payment method, built into over 20 Polish banking apps and used by tens of millions of customers. At checkout the customer opens their banking app, generates a 6-digit one-time code, and enters it on your payment page — no redirect required. Payments are final and irrevocable the moment the bank confirms.

AvailabilityAskCopy

Payment flowAskCopy

Blik supports two confirmation modes that VINR handles automatically based on the customer's bank:

6-digit code flow (classic)

In-app push flow (Blik One Click / newer banks)

Some banks skip the code entirely and send a push notification to the customer's phone. The customer approves directly in the banking app while remaining on your checkout page.

Creating a Blik paymentAskCopy

import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const payment = await vinr.payments.create({
  amount: 12900,             // 129.00 PLN in minor units (groszy)
  currency: 'PLN',
  description: 'Order #2231',
  methods: ['blik'],
  returnUrl: 'https://yoursite.com/payment/complete',
  metadata: { orderId: '2231' },
});

// Redirect the customer to payment.checkoutUrl

Fulfill from the webhook:

// POST /webhooks/vinr
const event = vinr.webhooks.verify(rawBody, req.headers['x-vinr-signature']);

if (event.type === 'payment.completed') {
  const payment = event.data;
  // payment.method → "blik"
  await fulfillOrder(payment.metadata.orderId);
}

Code expiry & retriesAskCopy

Blik codes expire after two minutes. If the customer enters an expired code, the payment moves to failed with code: blik_code_expired. You can create a new payment and let the customer generate a fresh code — or re-present the same checkoutUrl if your integration allows.

Settlement & timingAskCopy

Blik payments authorize and capture in seconds. The captured amount lands in your balance immediately and follows your normal settlement schedule.

RefundsAskCopy

Refunds are returned to the customer's originating bank account, typically within one to three business days.

const refund = await vinr.refunds.create({
  payment: 'pay_...',
  amount: 12900,  // full refund; omit amount for full
  reason: 'requested_by_customer',
});

Because Blik payments are final, there are no chargebacks. A refund is the only way to return funds after the payment completes.

TestingAskCopy

In the VINR sandbox, Blik flows open a VINR test page where you choose Approve or Fail — no real banking app is required. Use any 6-digit value as the test code.

LimitationsAskCopy

• PLN only. Blik cannot process amounts in any other currency.
• Poland only. The method only appears for customers with a Blik-enabled Polish banking app; presenting it outside Poland returns method_not_available.
• No manual capture. Blik captures in full at the moment the bank confirms.
• Code valid for 2 minutes. Customers who take too long must generate a new code.

See alsoAskCopy