BLIK completes Poland’s first purchase settled independently by an AI agent
BLIK, the account-to-account payment scheme used across Polish banking apps, has completed what it describes as the first transaction carried out entirely by an artificial intelligence agent using its payment system, according to a statement from BLIK’s operator, Polski Standard Platnosci. The pilot ran with the AI commerce firm Juo, the payment processor PayU, and the online cosmetics retailer Your KAYA.
A logged-in customer spoke with an AI assistant built into the Your KAYA store and asked it to watch for a specific hand cream that was out of stock. The agent tracked inventory, and when the item returned to sale, it added the product to the basket and completed checkout on its own, paying with BLIK. The purchase totalled 19.99 zloty. The customer had authorised the arrangement in advance by entering a six-digit BLIK code and confirming a mandate inside their banking app, according to Crowdfund Insider.
“It is a test of whether Poland’s payment infrastructure, available today in virtually every banking app and accepted by thousands of online stores, can become the foundation of an entirely new purchasing model,” said Monika Krol, vice president of BLIK’s management board, according to Financial IT. She said the agent operates only within limits the customer set in advance and cannot complete a transaction without prior authorisation.
Juo chief executive Leszek Zawadzki said agentic shopping will matter less because an agent can press pay and more because it can work with customer context, merchant relationships, consents and payment mechanics, including future subscription patterns. PayU’s Katarzyna Prus-Malinowska said the transaction shows agentic commerce moving beyond the concept stage, according to Crowdfund Insider.
The pilot builds on a partnership PPRO announced with BLIK on August 12 to develop agentic commerce infrastructure for Polish local payments. PPRO said the project is among the first implementations globally in which a local payment method, rather than an international card scheme, has been integrated into an agent-initiated transaction. BLIK accounts for around 71 percent of e-commerce transactions in Poland and has more than 21 million active users, according to PPRO, which warned that without such integration, agentic commerce risks defaulting to a card-centric model that would limit access to the payment methods consumers rely on across Europe. PwC’s Strategy& has projected that AI agents could account for up to 15 percent of European e-commerce spending by 2030.
