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But you know that the biggest advantage of paying by card is the chargeback option? BLIK doesn't have that feature, which is why it's useless to me.

Chargeback is also one of the reasons why you pay (directly or indirectly) for Visa or Mastercard.

In Poland you have the right to return stuff bought by internet for 14 day without providing a reason, no matter how you paid.

And in stationary shops it depends on the shop network - I usually pay with Blik and I had to return stuff in Lidl once and they did it no problem.