canonical: https://jentic.com/apis/paynow.pl/paynow

# Paynow Pl Paynow Payments API

Jentic publishes the only available OpenAPI specification for Paynow Payments API, keeping it validated and agent-ready. Paynow is a Polish payment gateway operated by mBank that enables merchants to accept online payments via BLIK, bank transfers, and card payments. The API supports payment creation, status checking, refund processing, and payment method retrieval across 6 endpoints with HMAC signature-based authentication.

## For AI agents

Accept payments from Polish customers via BLIK, bank transfers, and cards, check payment status, and process refunds through a single gateway.

## Scope

Does not handle accounting, invoicing, or subscription management - use for one-time payment processing and refunds in the Polish market only.

## Capabilities

- Accept online payments via BLIK, bank transfers, and card methods for Polish customers
- Retrieve real-time payment status and transaction details by payment ID
- Process full and partial refunds against completed payments
- Query available payment methods for the merchant account
- Track refund lifecycle from creation through completion or cancellation
- Cancel pending refunds before they are processed

## Use cases

### Polish E-Commerce Checkout

Accept payments from Polish consumers using their preferred local methods including BLIK (mobile payments), bank transfers (pay-by-link), and card payments. Paynow handles the payment flow and returns status updates via webhooks or polling. Integration is optimized for the Polish market with mBank as the acquirer.

Example prompt: Create a payment for 99.99 PLN using BLIK method and poll the status endpoint until the payment is confirmed or expired

### Automated Refund Processing

Issue refunds programmatically for returned goods or cancelled services. The API supports full refunds against the original payment amount and provides status tracking for each refund through its lifecycle from pending to completed or cancelled.

Example prompt: Issue a refund for payment ID abc123 and monitor the refund status until it reaches a terminal state

### Payment Method Discovery

Query the available payment methods for a merchant account to dynamically render checkout options. The endpoint returns which methods (BLIK, bank transfers, cards) are currently enabled, allowing frontends and agents to adapt the checkout experience based on real-time availability.

Example prompt: Retrieve the list of active payment methods and filter for BLIK availability before initiating a payment

### AI Agent Payment Orchestration

AI agents use the Paynow API through Jentic to process Polish payments without managing HMAC signature computation or webhook infrastructure directly. Jentic handles credential isolation and operation discovery so agents can focus on payment logic rather than integration mechanics.

Example prompt: Search Jentic for 'process a BLIK payment', load the operation schema, and execute a payment creation call with amount 50.00 PLN

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| POST | `/v3/payments` | Create a new payment |
| GET | `/v3/payments/{paymentId}/status` | Check payment status |
| GET | `/v3/payments/paymentmethods` | List available payment methods |
| POST | `/v3/payments/{paymentId}/refunds` | Issue a refund |
| GET | `/v3/refunds/{refundId}/status` | Check refund status |
| POST | `/v3/refunds/{refundId}/cancel` | Cancel a pending refund |

## Key resources

- **Payments** — Create payments, check status, and retrieve payment details
- **Payment Methods** — List available payment methods for the merchant
- **Refunds** — Issue refunds, check refund status, and cancel pending refunds

## Why Jentic

- **Setup:** Wiring Paynow by hand means learning its API key auth, computing the HMAC signature on every request, and coding calls against payments, payment methods, and refunds yourself. Through Jentic you install once, import Paynow from the API Directory, store the API key once, and your agent calls it.
- **Permission scoping:** Paynow puts the payment id in the URL path (`/v3/payments/{paymentId}/status`), so a rule can pin your agent to reading the status of one payment. You choose the operations it may call, so starting payments, issuing refunds, or cancelling a refund is not included unless you add them.
- **Credential handling:** Your Paynow API key and signing secret are stored once, encrypted, by your own Jentic One instance and injected at execution time, with the signature computed for you. They never enter the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'process a BLIK payment' or 'check a refund status', and Jentic returns the matching Paynow operation with its input schema including required headers and signature format so the agent calls the right endpoint without browsing the reference docs.

## Related APIs

- **Przelewy24** — Competing Polish payment gateway with broader international coverage
- **Stripe** — Global payment processor with Polish payment method support
- **Mollie** — European payment gateway covering Western European markets

## FAQ

### Why is there no official OpenAPI spec for Paynow Payments API?

Paynow (mBank) does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call Paynow Payments API via structured tooling. It is validated against the live API and kept up to date. Get started with Jentic One, the self-hosted execution layer.

### What authentication does the Paynow Payments API use?

The Paynow API uses a dual authentication scheme combining an API key sent in the Api-Key header and an HMAC-SHA256 signature sent in the Signature header. The signature is computed over the request body using your shared secret. Through Jentic, these credentials are stored encrypted in your Jentic One instance and agents receive scoped access without handling raw keys.

### Can I process BLIK payments with the Paynow API?

Yes. The POST `/v3/payments` endpoint accepts BLIK as a payment method type. You include the BLIK code from the customer in the request body along with the amount in PLN and a callback URL for status notifications.

### How do I check the status of a payment through Jentic?

Use Jentic to search for the operation 'check payment status', load the schema for GET `/v3/payments/{paymentId}/status`, and execute with your payment ID. The response includes the current payment state (NEW, PENDING, CONFIRMED, REJECTED, ERROR, EXPIRED).

### What are the rate limits for the Paynow Payments API?

The Paynow API documentation does not publish explicit rate limits. In practice, the API is designed for transactional use rather than bulk polling. Status checks should use webhook callbacks where possible rather than frequent polling of the GET `/v3/payments/{paymentId}/status` endpoint.

### Can I issue partial refunds through the Paynow API?

The POST `/v3/payments/{paymentId}/refunds` endpoint supports refund requests against completed payments. You specify the refund amount in the request body, which allows partial refunds up to the original payment amount. Refund status can be tracked via GET `/v3/refunds/{refundId}/status.`

### Can I limit what my agent is allowed to do with the Paynow Payments API?

Yes. Jentic One is self-hosted by you, so your own rules decide which Paynow operations and credentials the agent may use. Because Paynow puts the payment id in the URL path, such as GET `/v3/payments/{paymentId}/status`, you can pin the agent to reading the status of a single payment while excluding operations like POST `/v3/payments`, POST `/v3/payments/{paymentId}/refunds`, or POST `/v3/refunds/{refundId}/cancel.` Only the operations you explicitly allow are exposed, and your API key and signing secret stay under your control.