The financing provider offering the deferred payment service (up to 30 days) can be either Polski Standard Płatności S.A. (operator of the BLIK system) or PKO Bank Polski S.A.:

If you use a BLIK code from the Bank Millennium, VeloBank, or SGB mobile app – the credit is provided by Polski Standard Płatności S.A.

If you use a BLIK code from the PKO Bank Polski mobile app – the credit is provided by PKO BP.

Both BLIK and BLIK Pay Later require a code generated in your banking app. With regular BLIK payments, money is taken directly from your account at the time of purchase. With BLIK Pay Later, you can postpone payment by 30 days for online purchases using your approved credit limit.

The limit is the total amount you can spend using BLIK Pay Later. It’s set individually and can be up to PLN 4,000. Every purchase reduces your available limit, and you’ll have 30 days to repay each transaction.

The financing provider sets the limit after checking your creditworthiness using external databases (e.g. BIK, BIG). You’ll find details about the institutions involved in the documents received during activation of the service.

If you don’t repay the amount on time, the financing provider may charge interest on the overdue amount. Full details will be provided in the documents you receive when activating the service with your bank.

Representative example:

A representative example for a credit limit under the BLIK Deferred Payment service, used once in full and repaid within 30 days:

Annual Percentage Rate (APR): 0%
Total credit amount: [PLN 2,000]
Total amount payable: [PLN 2,000]
Fixed interest rate: 0%
Total cost of credit: PLN 0 (including fees: PLN 0; interest: PLN 0)
Agreement duration: indefinite

Calculation made on [25.08.2025] based on a representative example.

The BLIK Deferred Payment credit agreement is concluded after a positive creditworthiness assessment, between the borrower and Polski Standard Płatności S.A. This information is for illustrative purposes only and does not constitute an offer under the Civil Code.

Log into the banking app you used to activate the service:

VeloBank, Spółdzielcza Grupa Bankowa, and Bank Millennium:

Click the button used to generate your BLIK code and then select “BLIK Pay Later”

PKO Bank Polski:

Open the IKO app and select “PKO Pay Later”

The minimum transaction amount is PLN 30. You can make purchases up to the amount of your available credit limit.

Yes, you can repay earlier – after the transaction has been processed. Just go to the transaction details in the service panel within your banking app.

Once the store approves the return, the refunded amount will be credited to your bank account linked with BLIK. Keep in mind that even if you return the item to the store, you’ll still need to repay the original amount to BLIK Pay Later.

For full return details, check the website of the store where you made the purchase.

The financing provider reports users of the credit limit to the Credit Information Bureau (BIK). This may impact your credit score and history – positively if repayments are on time, and negatively if payments are late.

At Polski Standard Płatności, we place great importance on the protection of your privacy and personal data.

Our priority is to process your personal data securely and in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, repealing Directive 95/46/EC (GDPR).

To ensure the highest standards, we constantly monitor data security and implement appropriate technical and organisational measures.