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What is a QR payment?
A QR payment is an instant cashless payment made with a mobile phone using a banking application.
How to make a QR payment
- eKasa register displays/prints a QR code for scanning with a mobile phone to make the payment
- The camera application on the mobile phone is launched and focuses on the printed or displayed QR code
- By clicking on the link under the QR code, the banking application launches and automatically pre-fills the payment details
- The buyer checks the payment and then confirms it
- If the eKasa register verifies the payment, a cash register receipt is printed
- If the payment cannot be verified, the eKasa register prints a payment rejection notice
| Point of Sale Application | Mobile | Banking Application |
|---|---|---|
| QR Payment Request | QR Code Photography | Payment Display |
 |  |  |
| eKasa - QR code display | Clicking the link launches the banking application | Buyer - payment verification and confirmation |
Benefits of QR payments for buyers
✔ Security - QR payment is safer than card payment, where there is a risk of card copying and misuse
✔ Instant payment - Ability to make instant payments without amount restrictions
✔ Acceptance obligation - The seller is obliged to accept cashless payment if it exceeds 1€
✔ Hygiene - Mobile payment without the need to handle cash or payment cards
✔ Pandemic - Reduction of physical contact
Benefits of QR payments for sellers
✔ Automation - QR payment is executed automatically without manual data entry
✔ Error reduction - Limitation of operator errors when handling cash
✔ No fees - Cashless payment without additional fees to card companies
✔ No terminal - Payment processing through the eKasa register interface without using a payment terminal
✔ Legal compliance - Fulfillment of the new law obligation for cashless payments
✔ Instant availability - Money is immediately credited and available in the account
✔ Simple control - Each payment is credited as a separate item on the bank statement
✔ Protection - Reduction of physical contact and the amount of cash in the register
New obligation - Cashless payment from May 1, 2026
According to the draft law on cash registers, from 01.05.2026 all entrepreneurs are obliged to accept cashless payments for payments exceeding 1€.
If the seller enables QR payment, this is considered as fulfilling the cashless payment obligation even if the buyer cannot use it.
Law citation: § 15 Cashless payment section 3
When making a cashless payment with a payment instrument enabling scanning of a payment order in the form of a QR code, the Financial Directorate provides technical means enabling the eKasa register to obtain confirmation of this cashless payment; technical means may also be provided by a third party. If confirmation of its execution does not occur when making such a cashless payment, the eKasa register prints a document about this fact. Technical details about technical means enabling the eKasa register to obtain confirmation of cashless payment and requirements for the document about non-confirmation of executed payment are determined by the Financial Directorate and published on its website.
Conclusion
QR payments represent a modern, secure, and efficient solution for both sellers and buyers. Their implementation fulfills new legal requirements and simplifies the entire payment process without the need for cash or a payment terminal.