BLIK, Poland’s innovative mobile payment system, reported record-breaking results in 2025 across virtually every metric. This includes transaction volume and value in both e-commerce and physical stores, a significant influx of new users, and impressive international expansion. The company is firmly solidifying its position as the leader in mobile payments in Poland, leading to widespread speculation about a potential debut on the stock exchange. Such a move would undoubtedly make BLIK an attractive prospect for investors.
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BLIK’s Phenomenal Growth and Future Prospects
BLIK’s impressive performance in 2025 highlights its dominance and rapid expansion, setting the stage for a potential public offering.
Record-Breaking Performance in 2025
Throughout 2025, BLIK processed an astounding 2.9 billion transactions, averaging 8 million operations daily. On its busiest day of the year, users executed nearly 13 million transactions. The fourth quarter alone saw a robust 785.7 million transactions. The total value of all payments reached approximately $110.375 billion (441.5 billion PLN), with the average shopping cart value in 2025 being around $37.75 (151 PLN).
Growing User Base and Widespread Acceptance
- BLIK’s active user base swelled to 20.7 million people.
- Each active user performed an average of 12 transactions per month.
- Its popularity stems from unparalleled convenience, making BLIK a standard payment option in over 100,000 online stores.
- BLIK is also accepted at 400,000 POS terminals in physical stores, accounting for 48% of all contactless transactions.
International Expansion
BLIK payments have become a natural choice for international travel. In 2025, the number of countries where BLIK contactless transactions were recorded expanded by 13 new markets. Outside of Poland, users most frequently made contactless payments in Germany (664,000 transactions), Italy (291,000), and the Czech Republic (283,000).
The Power of Phone Transfers
Transfers to a phone number remain one of BLIK’s most crucial features. In 2025, users completed 735.1 million such transactions, marking a 22% year-over-year increase. This means that one out of every four BLIK operations involves sending money directly to a phone number. On average, Poles made 2 million such transfers daily, with an average value of approximately $41.75 (167 PLN).
E-commerce Dominance and Expanding Services
Online shopping was the primary driver of transaction volumes in the past year. In 2025, the number of BLIK operations in e-commerce surged by 20% year-over-year. Users made payments in online stores 1.4 billion times, with the total value of these purchases reaching approximately $54.75 billion (219 billion PLN), a 27% increase year-over-year.
Flexible Payment Solutions
BLIK’s expansion in online retail was bolstered by flexible payment options like BLIK Pay Later and recurring payments.
- BLIK Pay Later: This service recorded 235,500 transactions valued at approximately $14.85 million (59.4 million PLN), with an average transaction amount of about $63 (252 PLN).
- Recurring Payments: In 2025, 1.6 million recurring payments were processed, totaling approximately $19 million (76 million PLN), with an average of about $12 (48 PLN) per transaction.
The payment ecosystem is further completed by access to cash, facilitated by BLIK’s wide acceptance at ATMs and retail locations. Throughout 2025, users performed a total of 79 million cash operations (a 12% increase year-over-year), with the average transaction value in this channel being approximately $182.75 (731 PLN).
BLIK Eyes Public Listing
According to Bloomberg, BLIK, officially known as Polski Standard Płatności (PSP), is reportedly considering an Initial Public Offering (IPO) on the Warsaw Stock Exchange. An IPO would involve the company selling its shares to public investors, thereby raising capital for future growth and expansion.
While the company’s CEO has not directly commented on the IPO, he emphasized the company’s strong financial health:
“As a recent cashless.pl report on the largest payment industry companies indicates, we are the most profitable fintech in the market, which should be reflected in our capitalization. We are exploring various models for international expansion, and one of them is self-financing, which would require recapitalization of the company. However, at this moment, we do not want to limit ourselves and are open to any financing model.”
Dariusz Mazurkiewicz, CEO of PSP (as quoted by cashless.pl)
BLIK’s valuation is estimated to exceed $1.75 billion (7 billion PLN), potentially making it one of the largest stock market debuts in Poland in recent years. Sources suggest that the company’s supervisory board has already discussed a preliminary IPO proposal, though a final decision has not yet been made. These remain confidential, preliminary discussions.
Funds raised from an IPO could significantly bolster BLIK’s international expansion efforts, particularly in Europe. The company reportedly aspires to achieve “double unicorn” status, meaning a valuation exceeding $1 billion in two different currencies, signifying its global ambitions.
Frequently Asked Questions (FAQ)
What is BLIK?
BLIK is a popular mobile payment system in Poland that allows users to make instant payments in online and physical stores, withdraw cash from ATMs, and send money to phone numbers directly from their bank accounts using a six-digit code or mobile app.
How popular is BLIK in Poland?
BLIK is extremely popular, with over 20.7 million active users in 2025. It processed 2.9 billion transactions that year and is widely accepted in over 100,000 online stores and 400,000 physical store terminals.
What are BLIK’s key services?
Key services include instant payments in e-commerce and retail, cash withdrawals, transfers to phone numbers, and newer features like BLIK Pay Later (buy now, pay later) and recurring payments.
Is BLIK expanding internationally?
Yes, BLIK significantly expanded its international reach in 2025, adding 13 new markets for contactless transactions. Users frequently use BLIK in countries like Germany, Italy, and the Czech Republic.
Is BLIK planning an Initial Public Offering (IPO)?
BLIK is reportedly considering an IPO on the Warsaw Stock Exchange to raise capital for further growth, particularly international expansion. While discussions are underway, a final decision has not yet been made.
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