PKO Płacę później gives eligible PKO Bank Polski customers 30 days to repay an approved purchase without fees. Selected BLIK checkout flows draw on the bank's payment limit, with the obligation managed through IKO and repaid from the nominated account rather than a wallet balance.
Estimated Monthly Usage, Aurato Research, November 2026
Customers can initiate payments with barcodes or payment codes; the method does not support unattended merchant-initiated payments. A formal non-chargeback dispute process is available. Payments can use PLN as a funding currency.
PKO Płacę później gives eligible PKO Bank Polski customers 30 days to repay an approved purchase without fees. Selected BLIK checkout flows draw on the bank's payment limit, with the obligation managed through IKO and repaid from the nominated account rather than a wallet balance.
Estimated Monthly Usage, Aurato Research, November 2026
Customers can initiate payments with barcodes or payment codes; the method does not support unattended merchant-initiated payments. A formal non-chargeback dispute process is available. Payments can use PLN as a funding currency.
Estimated Monthly Usage, Aurato Research, November 2026