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

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

05/09/2022

NBS IPS system in April 2022
The NBS IPS system, which operates 24/7/365, processed 4,210,127 payments during 30 days of April.The average daily number of payments was 140,338, with the average time of transaction execution of 1....

05/04/2022

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

04/18/2022

Raiffeisen banka a.d. Beograd enables instant payments at POS and payment of bills with NBS IPS QR code
Based on the NBS approval, Raiffeisen banka a.d. Beograd has enabled its payment service users – legal entities and entrepreneurs to carry out instant payments at POS, as well as to p...

04/05/2022

Lilly, Diteh and Aruna – new merchants accepting IPS payments at their online shops
Buyers using the IPS Scan payment method at online shops can now make purchases at the websites of three more merchants – Apotekarska ustanova Lilly Drogerie (https://shop.lilly.rs/), Diteh Trade Evol...

04/05/2022

NBS IPS system in March 2022
The NBS IPS system, which operates 24/7/365, processed 4,400,408 payments during 31 days of March.The average daily number of payments was 141,949, with the average time of transaction execution of 1....

03/30/2022

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

03/07/2022

NBS IPS system in February 2022
The NBS IPS system, which operates 24/7/365, processed 4,181,249 payments during 28 days of February.The average daily number of payments was 149,330, with the average time of transaction execution of...

02/22/2022

NBS IPS system – new record number and value of payments
On 21 February, the NBS IPS system executed 265,458 payments worth RSD 1,978,169,441.93, thus posting a new record daily number and value of transactions since it began operating.The NBS IPS system is...

02/21/2022

Start of mass production of deep link functionality for users of Halkbank application
Halkbank a.d. Beograd has enabled the use of deep link technology for IPS online payments. Clients who have installed and activated the m-banking application of this bank on their mobile devices can m...

IPS Payments / Statistics

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