Blik
Limited to certain acquirers in Poland
BLIK is a mobile payment system that allows customers of partner banks to pay using a one-time-code on POS devices.
Blik transactions are supported for the following transaction types:
- Purchase
- Purchase with Cashback
- Refund
- Cancellation
In order to send a purchase for Blik via nexo Acquirer protocol you will need to send an AcceptorAuthorisationRequest with the following xml tags:
| Tag | Presence | Description |
|---|---|---|
Hdr/RcptPty/RmotAccs/AccsCd | M | Value of the one-time code |
Envt/Card/CardBrnd | M | Use value 'K' |
Tx/AddtlTxData | M | Use one of the following values: - '/request/OTCEntryMode/01' - if code was manually entered by merchant - on POS device - '/request/OTCEntryMode/02' - if code was manually entered by cardholder on PED device - '/request/OTCEntryMode/03' - if code was sent to terminal via NFC |
Card/PlainCardData/PAN | M | Use fixed value '5990420000000001' Note: Similar to other nexo transactions, the Card block must be sent encrypted to our gateway. |
Card/PlainCardData/XpryDt | Use static value '2049-12' Note: Similar to other nexo transactions, the Card block must be sent encrypted to our gateway. | |
Cntxt/PmtCntxt/CardDataNtryMd | M | Use value 'PHYS' |
Example:
<?xml version="1.0" encoding="UTF-8"?>
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.06" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:AcceptorAuthorisationRequest="urn:iso:std:iso:20022:tech:xsd:caaa.001.001.06">
<AccptrAuthstnReq>
<Hdr>
<MsgFctn>FAUQ</MsgFctn>
<PrtcolVrsn>6.0</PrtcolVrsn>
<XchgId>277</XchgId>
<CreDtTm>2026-03-27T11:41:41.420+01:00</CreDtTm>
<InitgPty>
<Id>11111111</Id>
</InitgPty>
<RcptPty>
<Id/>
<RmotAccs>
<AccsCd>NjU5MjY1</AccsCd> //one-time code
</RmotAccs>
</RcptPty>
</Hdr>
<AuthstnReq>
<Envt>
<Acqrr>
<Id>
<Id>000000000001</Id>
</Id>
<ParamsVrsn>20250101223114</ParamsVrsn>
</Acqrr>
<Mrchnt>
<Id>
<Id>xxxxxxxx</Id>
</Id>
<CmonNm>Test merchant</CmonNm>
</Mrchnt>
<POI>
<Id>
<Id>12345678</Id>
</Id>
<GrpId>76xxxxxxx</GrpId>
<Cpblties>
<CardRdngCpblties>PHYS</CardRdngCpblties>
<CardRdngCpblties>MGST</CardRdngCpblties>
<CardRdngCpblties>CICC</CardRdngCpblties>
<CardRdngCpblties>ECTL</CardRdngCpblties>
<CrdhldrVrfctnCpblties>FCPN</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>NPIN</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>OTHR</CrdhldrVrfctnCpblties>
<CrdhldrVrfctnCpblties>FEPN</CrdhldrVrfctnCpblties>
<ApprvlCdLngth>6</ApprvlCdLngth>
<OnLineCpblties>SMON</OnLineCpblties>
<MsgCpblties>
<Dstn>CDSP</Dstn>
<AvlblFrmt>TEXT</AvlblFrmt>
<NbOfLines>4</NbOfLines>
<LineWidth>32</LineWidth>
<AvlblLang>pl</AvlblLang>
</MsgCpblties>
<MsgCpblties>
<Dstn>CRCP</Dstn>
<AvlblFrmt>TEXT</AvlblFrmt>
<NbOfLines>4</NbOfLines>
<LineWidth>32</LineWidth>
<AvlblLang>pl</AvlblLang>
</MsgCpblties>
</Cpblties>
<TmZone>1</TmZone>
<Cmpnt>
<Tp>TERM</Tp>
<Id>
<PrvdrId>PAX GLOBAL TECHNOLOGY</PrvdrId>
<Id>PAX 123</Id>
<SrlNb>000045678</SrlNb>
</Id>
</Cmpnt>
<Cmpnt>
<Tp>APLI</Tp>
<Id>
<PrvdrId>ProviderABC</PrvdrId>
<Id>NEXO PAYMENT APPLICATION</Id>
</Id>
<Sts>
<VrsnNb>NP_2.3.4</VrsnNb>
</Sts>
<StdCmplc>
<Id>nexo-IS</Id>
<Vrsn>4.0</Vrsn>
<Issr>nexo</Issr>
</StdCmplc>
<Assmnt>
<Tp>CERT</Tp>
<Assgnr>123456</Assgnr>
<Nb>ToComplete(giveByPayCert)</Nb>
</Assmnt>
</Cmpnt>
</POI>
<Card>
<PrtctdCardData>
<CnttTp>EVLP</CnttTp>
<EnvlpdData>
<Rcpt>
<KEK>
<KEKId>
<KeyId>BDK_SRED</KeyId>
<KeyVrsn>xxxxxxx</KeyVrsn>
<DerivtnId>xxxxx</DerivtnId>
</KEKId>
<KeyNcrptnAlgo>
<Algo>DKP9</Algo>
</KeyNcrptnAlgo>
<NcrptdKey>xxxxxxx</NcrptdKey>
</KEK>
</Rcpt>
<NcrptdCntt>
<CnttTp>DATA</CnttTp>
<CnttNcrptnAlgo>
<Algo>E3DC</Algo>
</CnttNcrptnAlgo>
<NcrptdData>xxxxxxxxx</NcrptdData>
</NcrptdCntt>
</EnvlpdData>
</PrtctdCardData>
<IssrBIN>599042XXX</IssrBIN>
<CardPdctPrfl>0015</CardPdctPrfl>
<CardBrnd>K</CardBrnd>
</Card>
<Crdhldr>
<Lang>pl</Lang>
</Crdhldr>
</Envt>
<Cntxt>
<PmtCntxt>
<CardPres>false</CardPres>
<CrdhldrPres>false</CrdhldrPres>
<AttndncCntxt>UATT</AttndncCntxt>
<CardDataNtryMd>PHYS</CardDataNtryMd>
</PmtCntxt>
<SaleCntxt>
<SaleRefNb>11xxxxxxxxx14120</SaleRefNb>
</SaleCntxt>
</Cntxt>
<Tx>
<TxCaptr>true</TxCaptr>
<TxTp>CRDP</TxTp>
<MrchntCtgyCd>4111</MrchntCtgyCd>
<CstmrCnsnt>false</CstmrCnsnt>
<CardPrgrmmApld>Blik</CardPrgrmmApld>
<TxId>
<TxDtTm>2026-03-27T11:41:18.000+01:00</TxDtTm>
<TxRef>000xxx</TxRef>
</TxId>
<RcncltnId>2543</RcncltnId>
<TxDtls>
<Ccy>PLN</Ccy>
<TtlAmt>18.00</TtlAmt>
<AmtQlfr>ACTL</AmtQlfr>
<OnLineRsn>TRMF</OnLineRsn>
<UattnddLvlCtgy>2</UattnddLvlCtgy>
<ICCRltdData>nzMD4EAAnxoCBhafNQElnx4IMDAwMDAwMDA=</ICCRltdData>
</TxDtls>
<AddtlTxData>/request/OTCEntryMode/01</AddtlTxData>
</Tx>
</AuthstnReq>
<SctyTrlr>
<CnttTp>AUTH</CnttTp>
<AuthntcdData>
<Rcpt>
<KEK>
<KEKId>
<KeyId>BDK_MAC</KeyId>
<KeyVrsn>xxxxx</KeyVrsn>
<DerivtnId>xxxxxx</DerivtnId>
</KEKId>
<KeyNcrptnAlgo>
<Algo>DKP9</Algo>
</KeyNcrptnAlgo>
<NcrptdKey>xxxxxx</NcrptdKey>
</KEK>
</Rcpt>
<MACAlgo>
<Algo>MCCS</Algo>
</MACAlgo>
<NcpsltdCntt>
<CnttTp>DATA</CnttTp>
</NcpsltdCntt>
<MAC>xxxxxxx</MAC>
</AuthntcdData>
</SctyTrlr>
</AccptrAuthstnReq>
</Document>
In the response you will receive the transaction reference from Blik.
<TxVrfctnRslt>
<Mtd>MANU</Mtd>
<AddtlRslt>IPG:BLIK/TRX_REF/93662811413 </AddtlRslt>
</TxVrfctnRslt>
Refund and cancelation can be done in same way as for a normal card transaction by referring to the original transaction.
See link
Updated about 1 month ago
