BLIK Pay Later

Last updated: Apr 20th, 10:22am

Use the Orders v2 API with the blik_pay_later payment source and ORDER_COMPLETE_ON_PAYMENT_APPROVAL processing instruction to accept BLIK Pay Later payments from buyers in Poland, settling in PLN through PPRO.

Overview

BLIK is a widely used payment method for ecommerce in Poland. Introduced in 2015, BLIK helps smartphone users pay through their mobile banking app with an authenticated payment flow. The BLIK Pay Later (BNPL) option helps buyers defer payment, potentially improving conversion rates for merchants selling to Polish consumers.

The flow uses ORDER_COMPLETE_ON_PAYMENT_APPROVAL, which means PayPal automatically captures the payment when the buyer approves. No separate capture call is needed.

Eligibility

Available in Poland and supports transactions in PLN for BNPL offers

Requires integration with the Orders v2 API for checkout

Not supported for:
- Recurring payments
- Authorization and separate capture flows
- Merchants with a prohibited Merchant Category Code (MCC)

How it works

Buyer flow

Checkout page — The buyer selects BLIK as their payment method. The merchant collects the buyer's name and country code (PL).

Order created — The merchant calls the Orders API with BLIK as the payment_source and ORDER_COMPLETE_ON_PAYMENT_APPROVAL as the processing instruction. No separate capture step is needed.

Redirected to bank — The buyer is sent to the payer-action URL returned by the API, where they approve the payment inside their banking app.

Outcome

Approved — Buyer lands on the return_url. Payment is automatically captured.

Declined — Buyer lands on the cancel_url.

Confirmation — On success, the merchant receives a PAYMENT.CAPTURE.COMPLETED webhook. The merchant notifies the buyer (for example, with a confirmation email).

Integration overview

Here's how your server, the PayPal Orders API, and the buyer's banking app interact across the payment lifecycle.

Key constraints

Property	Value
Buyer country	Poland
Currency	PLN
Min transaction	0.01 PLN
Max transaction	Up to 50,000 PLN (may vary by bank and account)
Refund window	13 months
Payment intent	Sale (capture on approval)