Blik agentic payment pilot completes PLN 19.99 purchase

Polish mobile-payments network Blik says its Blik agentic payment pilot has completed a PLN 19.99 purchase after an AI agent detected that a previously unavailable product had returned to stock. The transaction was executed without further action by the user at checkout, but only after the user had set the task and approved the payment arrangement in advance.

The pilot took place at the Your KAYA online store, where a logged-in user used an AI chat to ask an agent to watch for a particular variant of hand cream with coconut and almond fragrance. Blik said the variant was sold out when the instruction was given. Once stock returned, the agent added the item to the basket and completed the purchase using Blik.

Blik's account of the pilot is corroborated in material respects by Finextra. The available information consists chiefly of the company's announcement and reporting based on it; no bank, regulator or technical documentation on the implementation was supplied.

How was the AI agent authorised to make the Blik payment?

The user gave the agent an instruction through the store chat and then confirmed the arrangement by entering a six-digit Blik code and approving it in a banking app, according to Blik and Finextra. That consent set the conditions under which the agent could act, allowing it to complete the payment after the specified product became available.

In practical terms, the agent did not seek a new approval at the point of purchase. It monitored availability and acted under the permission already granted by the user. Blik vice-president Monika Król said the system is intended to operate only within boundaries established in advance and cannot make a transaction without prior authorisation.

The distinction is central to the pilot's design. Agentic payments refer to transactions in which software can take action when specified conditions are met, rather than requiring a customer to complete each checkout step manually. In this case, the condition was the return of a designated product to stock and the payment authority was established beforehand.

Which companies took part in the pilot?

• Blik supplied the payment method.
• Your KAYA was the merchant whose store offered the product.
• Juo enabled the AI-agent chat in the store.
• PayU processed the payment.

PayU's head of product management, Katarzyna Prus-Malinowska, said agent-led purchases should operate within prior consent, spending limits and specified conditions. Those assertions describe the companies' intended control model rather than independent validation of the system's security or capacity to scale.

Blik described the transaction as its first such pilot. The evidence does not establish that it was the first agentic payment in Poland, Europe or globally. A separate social-media report cited in the available material refers to an AI-agent-initiated payment involving Worldline, ING and Mastercard, though it does not provide enough detail to compare the projects.

This story draws on original reporting from Finextra Research.