Accept BLIK payments from Polish customers through Neogated

BLIK Payment Method

BLIK is a Polish instant payment system that enables customers to make payments using their mobile banking app. Through Neogated integration, merchants can offer BLIK as a payment option to Polish customers.

Customers are redirected to complete their payment via their bank's mobile app. There are multiple ways to initiate this redirect:

Hosted Payment Page (HPP)

In this flow, the Payments Platform presents BLIK as an available payment method. Once selected, the customer is redirected to Neogated to complete the transaction by approving it in their mobile banking app.

Flow Diagram

sequenceDiagram
    participant Customer
    participant Merchant Frontend
    participant Payments Platform
    participant Neogated
    participant Bank App

    Customer->>Merchant Frontend: Start checkout
    Merchant Frontend->>Payments Platform: Create HPP session
    Payments Platform-->>Merchant Frontend: Session link
    Merchant Frontend->>Customer: Redirect to HPP
    Customer->>Payments Platform: View HPP and select BLIK
    Payments Platform->>Neogated: Initiate BLIK payment
    Neogated-->>Payments Platform: Redirect URL
    Customer->>Neogated: Access checkout page
    Neogated->>Bank App: Push notification
    Customer->>Bank App: Approve payment
    Bank App->>Neogated: Confirmation
    Neogated->>Payments Platform: Callback (COMPLETED/FAILED)
    Payments Platform->>Merchant Frontend: Notify result

Embedded Fields (EF)

In this flow, the merchant embeds a BLIK payment button directly into their checkout page using a JavaScript integration. The Payments Platform loads the Neogated script which renders the BLIK payment option. Once clicked, the customer is redirected to Neogated to complete the payment.

Flow Diagram

sequenceDiagram
    participant Customer
    participant Merchant Frontend
    participant Payments Platform
    participant Neogated
    participant Bank App

    Customer->>Merchant Frontend: Start checkout
    Merchant Frontend->>Payments Platform: Load Embedded Fields session
    Payments Platform-->>Merchant Frontend: Session with neogated.js
    Merchant Frontend->>Customer: Show BLIK payment button
    Customer->>Merchant Frontend: Click BLIK
    Merchant Frontend->>Payments Platform: Submit payment (neogated-blik)
    Payments Platform->>Neogated: POST /api/v1/deposit
    Neogated-->>Payments Platform: Redirect URL
    Payments Platform-->>Merchant Frontend: Redirect URL
    Merchant Frontend->>Customer: Redirect to Neogated
    Customer->>Neogated: Access BLIK checkout
    Neogated->>Bank App: Push notification
    Customer->>Bank App: Approve in mobile app
    Bank App->>Neogated: Confirmation
    Neogated->>Payments Platform: Callback (status)
    Payments Platform->>Merchant Frontend: Notify result

Direct API Integration

In the direct API flow, BLIK is already selected on your platform. The customer is immediately redirected to Neogated to complete the payment without an intermediate selection screen.

This method provides more control over the user experience.

Flow Diagram

sequenceDiagram
    participant Customer
    participant Merchant Frontend
    participant Payments Platform
    participant Neogated
    participant Bank App

    Customer->>Merchant Frontend: Start checkout (BLIK selected)
    Merchant Frontend->>Payments Platform: Create payment with neogated-blik
    Payments Platform->>Neogated: POST /api/v1/deposit
    Neogated-->>Payments Platform: Redirect URL + Transaction ID
    Payments Platform-->>Merchant Frontend: Redirect URL
    Merchant Frontend->>Customer: Redirect to Neogated
    Customer->>Neogated: Access BLIK checkout
    Neogated->>Bank App: Push notification
    Customer->>Bank App: Approve in mobile app
    Bank App->>Neogated: Confirmation
    Neogated->>Payments Platform: Callback (status)
    Payments Platform->>Merchant Frontend: Notify result

Supported Transactions

Transaction Type	Supported	Description
PURCHASE	Yes	One-time purchase with redirect to BLIK authentication
REFUND	No	Not supported
CAPTURE	No	Not applicable (purchase-only flow)
VOID	No	Not supported

Supported Currency

Currency	Code	Description
Polish Zloty	PLN	Only PLN is supported for BLIK payments

Note: BLIK only supports PLN currency. Requests with other currencies will be rejected.

Transaction Statuses

Neogated sends callback notifications with the following statuses:

Callback Status	Internal Status	Description	Final State
COMPLETED	APPROVED	Payment successfully completed	Yes
FAILED	DECLINED	Payment failed	Yes
REJECTED	DECLINED	Payment rejected by bank or customer	Yes
CANCELED	DECLINED	Payment canceled by customer	Yes
PROCESSING	PENDING	Payment is being processed	No

Redirect Handling

After the customer completes (or abandons) the BLIK payment on Neogated's checkout page, they are redirected back to the Payments Platform. The platform then checks the transaction status and redirects the customer to the appropriate merchant URL:

Transaction Status	Redirect Destination
APPROVED	Merchant's `return_url`
DECLINED / CANCELED	Merchant's `return_url`
PENDING	Waits for callback resolution, then redirects to `return_url`

Note: If the transaction is still PENDING when the customer is redirected back, the platform will wait briefly for the callback to arrive before redirecting the customer to the return_url. The merchant should verify the final transaction status via the Transaction Status API regardless of the redirect outcome.

Flow Comparison

Feature	Hosted Payment Page	Embedded Fields	Direct API Integration
Who shows payment methods?	Payments Platform	Payments Platform (via JS)	Merchant platform
Payment method selection step?	Yes	Yes (embedded in merchant page)	No (selected beforehand)
Redirect to Neogated	After selection	After selection	Immediately after initiation
Flexibility in UX	Moderate (managed selection screen)	High (embedded in merchant checkout)	High (fully controlled UX)
Integration effort	Lower	Moderate	Higher