Poland’s mobile payment scheme has taken a notable step into the emerging world of agentic commerce. BLIK, the account-to-account system used across Polish banking apps, has completed its first pilot in which an artificial intelligence agent independently finished an online purchase and settled it with BLIK, without the shopper intervening at the moment the money moved.
The trial took place in the Your KAYA web store. A logged-in customer spoke with an in-store AI assistant and asked it to watch for a specific item that was out of stock: a light hand cream scented with coconut and almond.
The agent then tracked inventory. When that variant returned to sale, it added the product to the basket and completed checkout.
The purchase, priced at 19.99 zloty, was paid with BLIK.
Importantly, the shopper had already authorised the arrangement.
Before the agent acted on its own, the customer issued an instruction and confirmed it by entering a six-digit BLIK code and approving the mandate inside their bank app.
At settlement, no further tap or code was required.
The agent stayed inside limits the user had set in advance.Juo supplied the store’s AI chat layer. PayU processed the payment.
Together with BLIK and the merchant, they framed the test as proof that the full stack—from conversational software and retailer systems to acquiring and the payment method itself—can already support purchases executed without the consumer present at checkout.
Monika Król, vice president of BLIK, said many tools can already find products, compare offers and suggest how to buy, but payment has been the missing piece.
The pilot, she argued, closes that gap: an agent can now follow an offer from monitoring through to a BLIK settlement, yet only inside rules the customer defined first and only after prior authorisation.
She also cast the experiment as a broader test of whether Poland’s widely adopted payment rails can underpin a model in which the “buyer” is no longer only a person clicking through a cart.
Juo’s chief executive, Leszek Zawadzki, stressed that 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 leaving the concept stage, while insisting autonomy must not mean loss of control: agents should operate under granted consent, spending caps and explicit conditions.
Your KAYA’s Dawid Zimny said the brand wanted to be early in testing any technology that could make shopping easier for customers, just as it had with BLIK recurring payments for subscriptions.
The demonstration sits against BLIK’s scale in Polish e-commerce and earlier work on recurring and one-click flows. It remains a pilot, not a mass rollout. Even so, it signals that local payment methods, not only global cards, are being prepared for a future in which software agents shop on behalf of people—provided those people stay in charge of the rules.