N-Pay
QR payment straight to your account
The customer scans the QR in their banking app, money goes to your account with no intermediaries
- 0%acquiring fee when paid to your account
- Fixed amountit is locked in the QR
- Paidstatus from the bank
- 30 banksscan QR codes to the NBU standard
How the money moves
1. The customer scans the QR
In their banking app, with the amount and payee already in the QR
2. The bank transfers the money
From the customer’s account straight to yours, with no intermediaries
3. You see “Paid”
The payment status comes from the bank
Two ways to get paid
Straight to your account
0% acquiring
Money goes from the customer’s bank to your account with no intermediaries
Through acquiring
at the bank’s rate
The customer pays by card, Apple Pay or Google Pay
Both can be turned on for one QR
NBU-standard QR
NBU Rules No. 97
The hryvnia sign in the centre shows it is a payment QR
The amount is locked
The customer pays exactly what the QR says
The payee cannot be swapped
The customer can never change the account, payee or payment number
Old plates still work
Banks also read QR codes printed earlier
Receipts, refunds and access
Receipt through acquiring
The customer gets it automatically
Receipt for payment to your account
Your Checkbox or Vchasno.Kasa PRRO issues it
Refunds
Whoever received the money refunds it, with no intermediary
Access to your account
Read-only: we see payments but cannot move money
N-Pay questions
How does payment to an account differ from acquiring?
With payment to an account, the customer transfers money from their bank straight to you: there is no intermediary and no acquiring fee. With acquiring, the customer pays by card, Apple Pay or Google Pay, and the bank charges its own fee, around 1.3% at large banks. You choose which methods to turn on, and the customer sees only those.
Which bank must my account be with?
For payment straight to your account at a machine or till, the account must be with VST Bank or monobank. Company invoices and website payments can also go to an account at PrivatBank, PUMB or A-Bank. Through acquiring, LiqPay, Portmone, MonoPay, A-Bank acquiring and others work.
Which QR standard do you use?
National Bank of Ukraine (NBU) Rules No. 97 of 19 August 2025, in force since 1 November 2025. We create QR codes in format 003, where the amount is locked. Banks must still read the old formats 001 and 002, so signs printed earlier keep working.
Do you issue a fiscal receipt?
Yes. Your Checkbox or Vchasno.Kasa PRRO issues the receipt both for payments through acquiring and for payments straight to your account.
Not sure what to choose? One call, and we advise
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