IPS - Instant Payments Serbia

Money transfer at any time of day, every day of the year, within seconds.


It can be used when paying at brick-and-mortar points of sale and for online purchases, and even when paying utility bills or paper payment orders. The only payment manner that makes the money instantly available to the payee.

IPS payment at the point of sale

Show and pay

payment by IPS QR code

The IPS SHOW option is in your m-banking app. 


You need to launch the IPS SHOW option from the m-banking app’s home page and generate the IPS QR code, which you then need to show to the merchant. 


The merchant will scan the code and the payment will automatically be made.

Select IPS
SHOW in the m-banking
app
Generate the code with
your PIN or
fingerprint
Show the code
to the merchant
Payment
complete

IPS payment at the point of sale

Scan and pay

payment by IPS QR code

The IPS SCAN option is in your m-banking app.


You need to launch the IPS SCAN option from the m-banking app’s home page and scan the IPS QR code which the merchant has previously generated on its device.


Confirm the transaction after scanning the code and the payment will automatically be made.

Select IPS SCAN
in the m-banking
app
Scan the merchant’s
IPS QR code
Confirm with your PIN
or fingerprint
Payment
complete

IPS payment online

payment by IPS QR code

1

Select IPS SCAN in the m-banking app

2

Scan the merchant’s IPS QR code

3

Confirm with your PIN or fingerprint

4

Payment
complete

On the web page where the purchase is being made, select IPS SCAN as the manner of payment. Once the generated IPS QR code is shown on the web page, select the IPS SCAN option in your m-banking app and scan the shown IPS QR code.


When making an IPS payment online, we especially emphasize that, as a payer, you do not leave any information about your payment instrument online; rather, by scanning the merchant’s IPS QR code, you download the data necessary for making the payment.


Soon, IPS online payments will be enabled with just one click on the mobile phone.

NBS IPS QR code for paying utility bills

payment by the NBS IPS QR code

1

Select IPS SCAN
in the m-banking
app

2

Scan the
NBS IPS QR code

3

The payment order is automatically filled in, but you can still make changes to it. Confirm with your PIN or fingerprint

4

Payment
complete

By using the NBS IPS QR code, you can pay your bills (for utility and other services) within seconds.


Look for the NBS IPS QR code on the bill, scan it using your m-banking app and pay the bill.


This is an efficient and reliable method that does not require you to retype the data, or to use templates in e-banking and m-banking apps.

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MERCHANTS How to enable IPS?

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NBS IPS QR code Generator / Validator / API

IPS – electronic and mobile banking

Payment without the IPS QR code

1

Fill in the order and select IPS payment – “Urgent”

2

The money will be transferred to the payee instantly

If you want to make an instant payment via electronic or mobile banking, you need to select the option for the emergency (instant) order.


If there is no such option, it means that your bank performs all orders as instant payments via the NBS IPS system.

News

12/03/2024

NBS IPS system in November
The NBS IPS system, which operates 24/7/365, processed 8,083,742 payments during 30 days of November.The average daily number of payments was 269,458, with the average time of transaction execution of...

11/18/2024

New record number of payments in the NBS IPS system
On 15 November 2024, the NBS IPS system processed 444,994 payments worth RSD 5,792,891,587.48, touching a new record high since the start of its operation. The NBS IPS system enables one of the world’...

11/07/2024

NBS IPS system in October 2024
The NBS IPS system, which operates 24/7/365, processed 7,984,602 payments during 31 days of October.The average daily number of payments was 257,568, with the average time of transaction execution of ...

11/07/2024

E-money institution Alta Pay Group joins NBS IPS system
E-money institution Alta Pay Group d.o.o. Beograd has joined the NBS IPS system, enabling its clients to effect instant payments. As an indirect participant, Alta Pay Group has access to the NBS IPS s...

10/04/2024

NBS IPS system in September 2024
The NBS IPS system, which operates 24/7/365, processed 7,376,964 payments during 30 days of September.The average daily number of payments was 245,899, with the average time of transaction execution o...

09/17/2024

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“EU Payments Acquis and SEPA” workshop
The NBS and the World Bank organised a two-day workshop "EU Payments Acquis and SEPA" in Belgrade with the aim of strengthening the economic ties of the Republic of Serbia with the European Union and ...

09/06/2024

NBS IPS system in August 2024
The NBS IPS system, which operates 24/7/365, processed 7,189,118 payments during 31 days of August.The average daily number of payments was 231,907, with the average time of transaction execution of 1...

08/15/2024

Halkbank a.d. Beograd enables instant payments via Transfer service
​ Based on the NBS approval, Halkbank a.d. Beograd has enabled to its payment service users the Transfer service – simple and instant money transfer every day of the year, at any time...

08/09/2024

Erste Bank a.d. Novi Sad enables instant payments via Transfer service
Based on the NBS approval, Erste Bank a.d. Novi Sad has enabled to its payment service users the Transfer service – simple and instant money transfer every day of the year, at any time of the day, via...

IPS Payments / Statistics

The number of transactions executed since
the launch of the NBS IPS system