Security, Chargebacks, and Disputes: How Safe Is Blik for Online Gambling?
When it comes to online gambling, BLIK offers a strong level of security because it operates entirely through mobile banking apps of trusted Polish banks. Every transaction requires authorization inside the user’s banking app, often with additional safeguards like PINs, biometrics, or push confirmations. This layered authentication makes it difficult for unauthorized parties to access funds. Unlike card payments, BLIK does not require sharing sensitive numbers with casinos, which reduces the risk of fraud and data theft.
However, BLIK does not provide chargebacks in the same way credit cards do. Once a payment is authorized and completed, it is final. This means players cannot simply reverse transactions if they have issues with a casino, such as delayed withdrawals or disputes over winnings. In these situations, resolution relies on the casino’s policies and licensing body, not the payment processor. While this adds security against fraudulent reversals, it also reduces consumer protection compared to Visa or Mastercard.
In case of disputes, BLIK users must rely on their bank or the casino operator rather than a direct refund mechanism. Some banks may investigate unusual activity, but generally, BLIK is designed for fast, irreversible payments. For players, this means it is crucial to choose licensed and reputable online casinos when using BLIK. The system is highly secure against fraud, but it offers fewer safeguards if something goes wrong with the gambling platform itself.