**Last updated**: 06 November 2025 | [**Change log**](/products/apms/changelog/)

# BLIK

BLIK is a Polish payment method which enables you to pay through your bank app in store or over the internet.

Note
Make yourself familiar with our [API principles](/products/reference/api-principles) to ensure a resilient integration.

details
summary
Product overview
## BLIK flow

BLIK is a Polish payment system that allows your customers to safely and instantly make payments without a payment card. BLIK uses a six-digit one-time code to identify the transaction. The code is valid for two minutes and your customer must authenticate within their mobile banking app.

### Feature summary

| Payment type | Country | Acceptance currency | Recurring | Reversals | Partial reversals | Disputes |
|  --- | --- | --- | --- | --- | --- | --- |
| Bank Transfer | Poland | PLN | ❌ | Refund - yesCancel- No | Partial refund - yesPartial cancel- No | ❌ |


- Minimum transaction value: 1,00 PLN
- Maximum transaction value: 50.000,00 PLN


## Get started

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay.com/apmPayments`

### Example request

### Parameters

## Response

### Successful request response

* an HTTP code `201`
* a `paymentId` which is unique to the payment - we recommend storing the "id", as you can use it to manage the payment later
* a `redirect` to redirect your customer to the APM provider to complete the payment
* an link to query the payment status
* an object which will give flow information such as `method` (e.g. `blik`) and type (`direct`)
* a `commandId` generated by us identifying a single merchant interaction (e.g. `cmdYNdIHBPJwbkjLiykzTx0`)


### Example response

Successful
{
  "paymentInstrument": {
    "method": "blik",
    "type": "direct"
  },
  "paymentId": "uK9Oh5zz4yKhGuFofhhnC1loxh8YRI6ChuSe7sEy6rPwh_KRcHUrrs1qJtQso9gjbUhveud3wEUka96FeYiU0Tp38_5OaydAORxUcSiX2IyXwK6gT8PDO-IvQ-BUMt_iUsGZa3xbZdUeTuq6p3rC1PTBiR7CzE6-theYuKncW_KImK-l23r7xoTI7CEzKmR8",
  "lastEvent": "pending",
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/uK9Oh5zz4yKhGuFofhhnC1loxh8YRI6ChuSe7sEy6rPwh_KRcHUrrs1qJtQso9gjbUhveud3wEUka96FeYiU0Tp38_5OaydAORxUcSiX2IyXwK6gT8PDO-IvQ-BUMt_iUsGZa3xbZdUeTuq6p3rC1PTBiR7CzE6-theYuKncW_KImK-l23r7xoTI7CEzKmR8"
    }
  },
  "_actions": {},
  "redirect":"https://secure-test.worldpay.com/jsp/test/shopper/APMSTSimulator.jsp?customerRef=3442338367&paymentMethod=BLIK&isPayByLink=false&serviceLevelCode=M",
  "commandId":"cmdKuHsZhBuULCWR3i2TeVIu0"
}
Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your BLIK payment](/products/apms/manage/)