# BLIK 支付 Learn about BLIK, a common payment method in Poland. BLIK is a [single use](https://docs.stripe.com/payments/payment-methods.md#usage) payment method that requires customers to [authenticate](https://docs.stripe.com/payments/payment-methods.md#customer-actions) their payments. When customers want to pay online using BLIK, they request a six-digit code from their banking application and enter it into the payment collection form. The bank sends a push notification to your customer’s mobile phone asking to authorize the payment inside their banking application. The BLIK code is valid for 2 minutes; customers have 60 seconds to authorize the payment after starting a payment. After 60 seconds, it times out and they must request a new BLIK code. Customers typically approve BLIK payments in less than 10 seconds. #### 支付方式属性 - **客户所在地** 波兰 - **出示货币** PLN - **支付确认** 客户发起 - **支付方式类型** 已验证的银行借记 - **经常性付款** Yes (私人预览) - **提现时间** 适用标准提现时间 - **Connect 支持** [Yes](https://docs.stripe.com/payments/blik.md#connect) - **争议支持** [Yes](https://docs.stripe.com/payments/blik.md#disputed-payments) - **Manual capture support** 否 - **Deferred intent support** Client-side confirmation only (私人预览) - **退款/部分退款** [Yes / Yes](https://docs.stripe.com/payments/blik.md#refunds) #### Business locations Stripe accounts in the following countries can accept BLIK payments: - AT - AU - BE - BG - CA - CH - CY - CZ - DE - DK - EE - ES - FI - FR - GB - GR - HR - HU - IE - IS - IT - LI - LT - LU - LV - MT - NL - NO - PL - PT - RO - SE - SG - SI - SK - US #### Product support - Connect - Checkout - Payment Links - Elements1, 2 1 Express Checkout Element and Mobile Payment Element don’t support BLIK.2 Not supported when [collecting payment details before creating a PaymentIntent](https://docs.stripe.com/payments/accept-a-payment-deferred.md). ## 付款流程 ![](https://b.stripecdn.com/docs-statics-srv/assets/blik_payment_flow_1.7e386c77d6410d13caf823130b7ec68a.svg) Customer selects BLIK at checkout. ![](https://b.stripecdn.com/docs-statics-srv/assets/blik_payment_flow_2.5caa9f807d50579710cc01b361a2d0fc.svg) Customer is directed to their mobile banking app to generate a 6-digit code. ![](https://b.stripecdn.com/docs-statics-srv/assets/blik_payment_flow_3.8e52c5c894b439baae7bec85b96b71b2.svg) Customer puts the code into the checkout. ![](https://b.stripecdn.com/docs-statics-srv/assets/blik_payment_flow_4.a93b15c949981d6a0b61463ff201fc53.svg) Customer is notified that payment is complete. ## 开始 您不必单独集成 BLIK 和其他支付方式。如果您使用我们的前端产品，Stripe 会自动确定要显示的最相关的支付方式。前往 [Stripe 管理平台](https://dashboard.stripe.com/settings/payment_methods)并启用 BLIK。要开始使用我们的托管 UI，请按照快速指南进行操作： - [Checkout](https://docs.stripe.com/checkout/quickstart.md)：我们预构建的托管结账页面。 - [Elements](https://docs.stripe.com/payments/quickstart-checkout-sessions.md)：我们的即插即用型用户界面组件。 If you prefer to manually list payment methods, learn how to [manually configure BLIK as a payment](https://docs.stripe.com/payments/blik/accept-a-payment.md). To save BLIK for future recurring payments, see [Save BLIK details during a payment](https://docs.stripe.com/payments/blik/save-during-payment.md) or [Set up future BLIK recurring payments](https://docs.stripe.com/payments/blik/set-up-payment.md). ## Disputes BLIK has a claims process that allows transaction disputes. Customers can open disputes for cases of suspected fraud, double payments, or a difference between an order and a transaction amount. After the customer initiates a dispute, Stripe notifies you using: - Email - Stripe 管理平台 - An API `charge.dispute.created` event (if your integration is set up to receive [webhooks](https://docs.stripe.com/webhooks.md)) Stripe holds back the disputed amount from your balance until BLIK resolves the dispute. We request that you upload compelling evidence proving that you fulfilled the purchase order [using the Stripe Dashboard](https://docs.stripe.com/disputes/responding.md#respond). This evidence can include the: - Tracking ID - 配送日期 - Record of purchase for intangible goods, such as IP address or email receipt - Record of purchase for services or physical goods, such as phone number or proof of receipt - Record of refund (for purchase you’ve already refunded) To handle disputes programmatically, [respond to disputes using the API](https://docs.stripe.com/disputes/api.md). This information helps BLIK determine if a dispute is valid. Make sure the evidence you provide contains as much detail as possible from what the customer provided at checkout. You must submit the requested information within 12 calendar days. If BLIK resolves the dispute with you winning, we return the disputed amount to your Stripe balance. If BLIK rules in favor of the customer, the balance charge becomes permanent. ## 退款 BLIK supports full and partial refunds. Depending on the bank, refunds are processed immediately or within a couple of hours. ## Connect If you use *Connect* (Connect is Stripe's solution for multi-party businesses, such as marketplace or software platforms, to route payments between sellers, customers, and other recipients), you must consider the following before you enable and use BLIK. ### Request BLIK capabilities for your connected accounts Set the `blik_payments` capability to `active` on your platform account, and on any connected accounts you want to enable BLIK for. You can also [request more account capabilities](https://docs.stripe.com/connect/account-capabilities.md#requesting-unrequesting). ### Merchant of record and statement descriptors The [charge type](https://docs.stripe.com/connect/charges.md) of Connect payments might change the default statement descriptor and the merchant name that appears on the customer’s banking application and confirmation emails. | 收款类型 | Descriptor taken from | | -------------------------------------------------- | --------------------- | | Direct | Connect 子账户 | | 目标 | 平台 | | Separate charge and transfer | 平台 | | Destination (with `on_behalf_of`) | Connect 子账户 | | Separate charge and transfer (with `on_behalf_of`) | Connect 子账户 |