QR payments via instant transfers aim to make cashless payments cheaper for merchants and reduce opportunities for tax evasion. The project was a collaboration between the Financial Administration, a university team from FIIT STU, and technology partners Red Hat and Group Solutions. The result is a simple yet robust solution designed to run 24/7 and scale as needed.
How it works and why 24/7
The QR code here does not serve as a payment by itself; it carries the data for an instant transfer in mobile banking. The solution runs on Red Hat OpenShift, so it can automatically scale with peaks and be deployed without downtime. Since this is about money, the priorities are robustness, security, and readiness for rapid recovery in case of failure.
Coordination of monitoring between the Financial Administration and banks is also key, so that in the event of an outage of instant payments, accepting QR payments at cash registers is temporarily blocked. Citizens' data are not stored in a public cloud abroad. In practice, the merchant will see the payer on the bank statement just as with a regular transfer; GDPR rules are handled by the banking system.
What this means for merchants and customers
The project is being rolled out gradually: first a closed pilot with a “whitelist” of merchants, later opening it to everyone who has a prepared cash register and notifications enabled at their bank. Fees are expected to be low—more in cents per transaction than percentages of the purchase value; some cash register solution providers offer it without their own fee. For the smallest sole proprietors, a simple version is also possible: a static QR code with an IBAN and checking the payment on a mobile phone.
Cash remains in place; the system simply adds a cheaper cashless alternative. Duplicate payment is unlikely because the QR code at the register is deactivated after successful payment; if two people were to pay at the same time, the merchant sees duplicate payments and can resolve them with a refund. Whether QR payments can beat the “double-click” on a phone or watch will be shown in practice; convenience and total cost will decide. The technology is already moving toward transferring data over NFC, which could bring the user experience even closer to card payments.