Fast mobile payments, instant transfers by phone number, and no need to enter a bank account—BLIK has quickly become one of the most popular P2P payment methods in Poland. But when speed and convenience come first, security must follow close behind. In this article, we’ll explore how secure P2P transfers are using BLIK—and take a closer look at the BLIK-to-Card solution offered by Fenige, which enables direct card-based transfers using the BLIK ecosystem.
P2P Transfers—What Are We Really Doing When We Send Money with BLIK?
P2P Transfers (peer-to-peer) payments allow users to send money directly to each other—without intermediaries like banks or marketplaces. In everyday life, it’s paying a friend back for dinner, covering shared expenses, or settling up after a service.
BLIK makes this possible through its mobile phone number-based payment system, which eliminates the need for entering sensitive banking data. It’s fast, convenient, and embedded directly into users’ mobile banking apps—making it a go-to method for millions of Polish consumers.
Now, thanks to BLIK-to-Card, that system becomes even more flexible. Users can transfer money directly to a recipient’s payment card, regardless of their bank or whether they use BLIK themselves. This expands BLIK’s reach far beyond its initial mobile scope—and opens up broader financial inclusion.
Is BLIK-to-Card by Fenige Secure? Let’s Talk Infrastructure
BLIK-to-Card, offered by Fenige, allows users to send money using BLIK directly to a recipient’s payment card—no need to log in to online banking, no IBAN required, and no limitations based on banking affiliation.
Fenige’s infrastructure ensures:
- Full compliance with PSD2, AML, and PCI DSS,
- Tokenized card data and encryption,
- Fraud prevention mechanisms and transaction monitoring,
- Instant settlement—24/7 availability,
- API-based integration for fintechs and e-commerce platforms.
This means every transaction is processed securely, verified in real time, and built upon a highly regulated and trusted payment backbone. Additionally, BLIK payments themselves require in-app authorisation, offering strong user-side protection against unauthorised transfers.
Security vs. Convenience—How BLIK-to-Card Builds Trust in the P2P Experience
From an economic and behavioral perspective, fast P2P payments respond to the growing need for real-time money movement and transaction simplicity. But convenience must never compromise safety.
Unlike traditional bank transfers, BLIK-to-Card doesn’t require a bank account—just the card number. Fenige handles the entire backend of the transaction—from BLIK authorisation through to settlement on the card—so users can send and receive money within minutes, across different banks and without tedious form-filling.
This makes BLIK-to-Card a perfect solution for:
- Mobile shopping apps and digital wallets,
- Freelance platforms and service marketplaces,
- Classifieds and peer-to-peer selling sites,
- Everyday users looking for an easier way to split expenses.
BLIK Means Convenience, Fenige Means Security—Together They Redefine P2P Transfers. Today’s digital user doesn’t want to choose between speed and safety—they expect both. With BLIK-to-Card from Fenige, they get just that: instant, secure, and intuitive peer-to-peer payments that remove the complexity of traditional bank-based transfers.
This solution combines user-first simplicity with enterprise-grade infrastructure, making it a smart choice not only for consumers—but also for fintech apps, marketplaces, and e-commerce platforms seeking to implement seamless payout or refund systems.
Fewer errors. No IBANs. Instant access to funds. That’s the new standard for P2P transfers in a mobile-first world.
