Skip to content

Blik

MF Integration option

Payment

Payment flow

  1. The customer initiates the payment on the merchant's website.
  2. The merchant sends a payment request to MerchantPay with method.type set to blik.
  3. MerchantPay responds with the payment page URL in redirect_url.
  4. The merchant redirects the customer to that URL. The customer enters a six-digit BLIK code and confirms the payment in their banking app.
  5. MerchantPay sends a webhook notification with the final payment status. The merchant may also use the status query.

Info

Available currencies depend on the gateway configuration. The default settings include EUR, GBP, and PLN.

Request

Send a payment request with the following data:
object
amount
required
 bigInteger
Transaction amount in minimal currency units, for example, 1000 (10 units of the selected currency).
currency
required
 string (3)
Transaction currency in the ISO 4217 alpha-3 format.
description
required
 string (512)
Short description of the order.
return_url
required
 string
URL to return the customer to when a transaction is completed.
ip
 string
Customer's IP address.
language
 string (2)
Customer's language.
object
Section of the payment method.
type
required
 string
blik.
object
Section of information about the customer.
first_name
required
 string (60)
Customer's first name.
last_name
required
 string (60)
Customer's last name.
email
required
 string
Customer's email address.
external_id
 string (128)
Customer's identifier in the merchant's system.
birth_date
 string
Customer's date of birth in the ISO 8601 format (YYYY-MM-DD).
phone
 string (18)
Customer's phone number including the country code.
country
required
 string (2)
Customer's billing country in the ISO 3166-1 alpha-2 format. For example, PL.
address
required
 string (300)
Customer's billing address.
city
required
 string (50)
Customer's city.
state
 string (40)
Customer's billing state or region.
zip
required
 string (12)
Customer's billing ZIP or postal code.
Request example 
{
    "request": {
        "amount": 1000,
        "currency": "PLN",
        "description": "Order 1234",
        "return_url": "https://example.com/return",
        "ip": "203.0.113.10",
        "language": "en",
        "method": {
            "type": "blik"
        },
        "customer": {
            "first_name": "Anna",
            "last_name": "Nowak",
            "email": "anna@example.com",
            "external_id": "customer-1234",
            "birth_date": "1990-05-14",
            "phone": "+48500111222",
            "country": "PL",
            "address": "Main Street 1",
            "city": "Warsaw",
            "zip": "00-669"
        }
    }
}
Response

Redirect the customer to the URL in redirect_url. A redirect to the merchant's site does not confirm the payment status; use the webhook notification or status query for the result.

Response example 
{
    "transaction": {
        "uid": "9e56f974-d451-48de-b6ad-26b6d50ad659",
        "type": "payment",
        "status": "pending",
        "amount": 1000,
        "currency": "PLN",
        "description": "Order 1234",
        "created_at": "2026-10-21T12:59:01Z",
        "updated_at": "2026-10-21T12:59:01Z",
        "method_type": "blik",
        "receipt_url": "https://backoffice.universepay.eu/customer/transactions/9e56f974-d451-48de-b6ad-26b6d50ad659/4dde6130921fed930ca8c1cd4e04a9d532cc082b855f87a41964c1568345865e?language=en",
        "payment": {
            "status": "pending",
            "gateway_id": 6749,
            "ref_id": "e3907a8b339943b9b0642e56e184789b",
            "message": "Transaction was initialized."
        },
        "blik": {
            "type": "blik"
        },
        "customer": {
            "zip": "00-669",
            "city": "Warsaw",
            "email": "anna@example.com",
            "phone": "+48500111222",
            "address": "Main Street 1",
            "country": "PL",
            "last_name": "Nowak",
            "birth_date": "1990-05-14",
            "first_name": "Anna",
            "external_id": "customer-1234",
            "ip": "203.0.113.10"
        },
        "manually_corrected_at": null,
        "version": 2,
        "message": "Transaction was initialized.",
        "test": false,
        "language": "en",
        "billing_address": {
            "zip": "00-669",
            "city": "Warsaw",
            "email": "anna@example.com",
            "phone": "+48500111222",
            "address": "Main Street 1",
            "country": "PL",
            "last_name": "Nowak",
            "birth_date": "1990-05-14",
            "first_name": "Anna"
        },
        "additional_data": {
            "payment_method": {
                "type": "alternative"
            }
        },
        "smart_routing_verification": {
            "status": "successful"
        },
        "gateway": {
            "iframe": false
        },
        "form": {
            "action": "link-to-payment-page",
            "fields": [],
            "method": "GET"
        }
    }
}