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QR Platba (QR Payment) is a national Czech standard developed by the Czech Banking Association (ČBA). It is not a standalone payment scheme but a standardized data format. It allows payment information (IBAN, amount, currency, reference) to be encoded into a QR code. The customer scans the code using their mobile banking app, the fields are pre-filled automatically, and the instant bank transfer can be authorized with a single touch. It eliminates manual entry errors and speeds up the transaction process significantly.
In Hungary, QR Platba is not used directly, but its technological concept is identical to local solutions. The relevant equivalent in the Hungarian market is qvik, launched in September 2024. While the Central Bank of Hungary (MNB) previously introduced a standard QR format for the Instant Payment System (HIPS/AFR), qvik has brought this to a commercial level, adding NFC and link-based payment options. For Hungarian merchants, qvik offers the same cost-reduction benefits as QR Platba does for the Czechs.
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