{"id":7673,"date":"2025-11-04T13:58:42","date_gmt":"2025-11-04T12:58:42","guid":{"rendered":"https:\/\/blog.bart.sk\/en\/?p=7673"},"modified":"2025-11-11T10:11:36","modified_gmt":"2025-11-11T09:11:36","slug":"qr-payments-in-pos-and-online-stores-what-you-need-to-do-before-march-2026","status":"publish","type":"post","link":"https:\/\/blog.bart.sk\/en\/qr-payments-in-pos-and-online-stores-what-you-need-to-do-before-march-2026\/","title":{"rendered":"QR Payments in POS and Online Stores: What You Need to Do Before March 2026"},"content":{"rendered":"\n<p><strong>Starting March 2026, all merchants in Slovakia will be required to offer customers a cashless payment option \u2014 such as a QR code, payment card, or another electronic method.<\/strong><\/p>\n\n\n\n<p>The key component will be the <strong>Instant Payment Notifier (NOP)<\/strong>. It ensures that after a QR payment is made, a confirmation is automatically sent to your POS or ERP system \u2014 without any manual verification or waiting for the bank to process the transaction.<\/p>\n\n\n\n<p>Customers simply scan the QR code, make the payment, and your system instantly recognizes, verifies, and records it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why QR payments matter<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payments made via QR codes take just a few seconds, cost less than card transactions, and are processed within a secure banking environment.<\/li>\n\n\n\n<li>This new method allows small businesses to lower transaction fees while speeding up cash flow \u2014 the money arrives in your account within seconds.<\/li>\n\n\n\n<li>In the near future, QR payments will also be linked with eInvoicing, enabling automatic matching of invoices and payments.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who needs to prepare<\/strong><\/h2>\n\n\n\n<p>The new QR payment requirement applies to all merchants and service providers who receive payments outside of online gateways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>physical stores using the fiscal cash register system (eKasa),<\/li>\n\n\n\n<li>service providers accepting in-person payments (e.g. pharmacies, repair shops, consultants),<\/li>\n\n\n\n<li>showrooms, pickup points, or in-person order collections for online purchases.<\/li>\n<\/ul>\n\n\n\n<p>Although the regulation mainly affects physical points of sale, QR codes can also be used in online stores \u2014 for example, automatically generated after order confirmation or included in an invoice email.<\/p>\n\n\n\n<p>It allows customers to pay quickly without retyping payment details, while merchants receive instant confirmation and enjoy lower fees compared to card payments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What needs to be done<\/strong><\/h2>\n\n\n\n<p><strong>1. Ensure your system is technically ready<\/strong><\/p>\n\n\n\n<p>Your ERP, fiscal system, or POS solution must support the MQTT communication protocol, receive payment notifications, and communicate with the Financial Administration.<\/p>\n\n\n\n<p>If your software is outdated, an update or additional integration module may be required.<\/p>\n\n\n\n<p><strong>2. Connect your bank account to NOP<\/strong><\/p>\n\n\n\n<p>Your account must be part of the instant payment system and able to receive properly formatted transactions (e.g. with a variable symbol like QR-0001234567).<\/p>\n\n\n\n<p><strong>3. Test during the transition period<\/strong><\/p>\n\n\n\n<p>The integration environment will be available from November 2025, with a public pilot starting in January 2026. Early testing will ensure smooth operation and correct delivery of payment notifications.<\/p>\n\n\n\n<p><strong>4. Automate payment confirmations<\/strong><\/p>\n\n\n\n<p>Your system should automatically process incoming notifications in real time and record payments as completed transactions. Properly configured processing saves time, reduces errors, and ensures full QR payment functionality.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How we can help<\/strong><\/h2>\n\n\n\n<p>We can prepare your online store or internal system to recognize, process, and record QR payments automatically and securely:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>we\u2019ll analyze your system\u2019s technical readiness,<\/li>\n\n\n\n<li>set up integration with bank systems or NOP through API connections,<\/li>\n\n\n\n<li>design and implement QR payments directly into the purchase flow \u2014 from order confirmation screens to mobile layouts.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Don\u2019t wait until the deadline<\/strong><\/h2>\n\n\n\n<p>Contact us and we\u2019ll help you integrate QR payments into your sales process \u2014 efficiently, securely, and on time.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\">Contact us<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions about QR Payments and NOP<\/h2>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>Who needs to prepare for the March 2026 changes?<\/summary>\n  <p>All merchants and service providers who accept payments outside of online payment gateways \u2014 including physical stores using the fiscal cash register system (eKasa), service providers with on-site payments, showrooms, and pickup points. QR technology can also help online stores, for example when sending invoices or confirming orders.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>What exactly is the Instant Payment Notifier (NOP)?<\/summary>\n  <p>The NOP is a system that sends real-time payment confirmations directly to your POS or ERP system after a QR payment is completed, removing the need for manual checking or waiting for the bank to confirm the transfer.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>Why is MQTT mentioned in connection with QR payments?<\/summary>\n  <p>MQTT is a lightweight communication protocol that ensures instant and reliable data delivery. In QR payment processing, it enables real-time delivery of payment notifications to the merchant\u2019s system.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>What are the main advantages of QR payments compared to cards?<\/summary>\n  <p>QR payments are faster, have lower transaction fees, and are processed directly within the banking network \u2014 money arrives within seconds. They also simplify payment reconciliation and accounting automation.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>What if the customer\u2019s bank doesn\u2019t support instant payments?<\/summary>\n  <p>In that case, the payment is sent as a standard bank transfer. The system should detect this and mark the payment as pending until it is credited to the merchant\u2019s account.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>Are QR payments secure?<\/summary>\n  <p>Yes. They are processed through encrypted banking channels and meet the same security standards as traditional online transfers. The QR code only simplifies data entry and reduces errors.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>How much does QR payment integration cost?<\/summary>\n  <p>It depends on your system and the scope of integration. After a technical audit, we can provide a precise estimate, including development time and costs.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>Do we need to replace our ERP or fiscal system if MQTT isn\u2019t supported yet?<\/summary>\n  <p>Not necessarily. In many cases, a software update or additional integration module will be sufficient. After assessing your system, we\u2019ll recommend the simplest upgrade path.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>Can we include the QR code directly in invoices or emails?<\/summary>\n  <p>Yes. The QR code can be embedded in invoice emails, PDF documents, or order confirmations. Each of these options can use the same logic for automatic payment pairing.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>What happens if the internet connection or MQTT link goes down?<\/summary>\n  <p>The system should include a fallback mechanism to process pending notifications later. Once the connection is restored, all delayed payments will be automatically reconciled.<\/p>\n<\/details>\n\n\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\">\n  <summary>Can you help us with implementation?<\/summary>\n  <p>Absolutely. We\u2019ll handle the full process \u2014 from analysis and architecture design to bank or NOP integration, testing, and final deployment. Contact us for a tailored solution that fits your business.<\/p>\n<\/details>\n","protected":false},"excerpt":{"rendered":"Starting March 2026, all merchants in Slovakia will be required to offer customers a cashless payment option \u2014&hellip;","protected":false},"author":39,"featured_media":7677,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":""},"categories":[209,1],"tags":[1056,571,1054,1049,1055,1051,1044,1047,1052,1050,1046,1045,1053,1048,1043],"_links":{"self":[{"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/posts\/7673"}],"collection":[{"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/comments?post=7673"}],"version-history":[{"count":2,"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/posts\/7673\/revisions"}],"predecessor-version":[{"id":7676,"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/posts\/7673\/revisions\/7676"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/media\/7677"}],"wp:attachment":[{"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/media?parent=7673"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/categories?post=7673"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.bart.sk\/en\/wp-json\/wp\/v2\/tags?post=7673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}