Payment methods
Payment methods in the Czech Republic and Slovakia: cards, bank transfers and QR
Czech and Slovak online shoppers pay mostly by card and wallet, followed by bank transfers that are often prefilled with a QR code; QR Platba is the Czech banking standard. Cash on delivery is still offered by many shops. Czech payments are in koruna, Slovak in euro, where SEPA Instant applies and BLIK piloted euro payments in 2026. Offer cards, wallets and instant bank transfer.
At a glance
| Currencies | CZK in the Czech Republic, EUR in Slovakia |
|---|---|
| QR standard | QR Platba (Czech Banking Association), version 1.2 effective 1 January 2022 |
| Czech instant payments | CERTIS, 24/7, standard limit CZK 2.5 million |
| Slovakia | SEPA and SEPA Instant; BLIK euro pilot in 2026 |
Which payment methods do shoppers use in the Czech Republic and Slovakia?
Cards and wallets such as Apple Pay and Google Pay are the main online methods in both countries. Czech banks support QR Platba, the Czech Banking Association standard that puts the account, amount and reference into a QR code the shopper scans in their banking app.
Czech instant payments run through the Czech National Bank's CERTIS system, available 24/7 with a standard limit of CZK 2.5 million; bank participation is voluntary. Slovakia uses the euro and SEPA, including SEPA Instant.
| Method | Type | Typical use | Confirmation |
|---|---|---|---|
| Cards and wallets | Visa, Mastercard, Apple Pay, Google Pay | Most online purchases | Real time, chargebacks possible |
| Bank transfer with QR | QR Platba (CZ) or SEPA (SK) | Shoppers paying from their account | Instant where banks support it |
| Online bank buttons | Transfer started from the checkout | Shoppers of major banks | Real time to same day |
| Cash on delivery | Paid to the courier | Cautious shoppers | On delivery |
| BLIK (Slovakia) | Euro pilot in 2026 | Slovak online shops in the pilot | Real time |
What should a merchant check before selling to the Czech Republic and Slovakia?
Before going live, check these points with your payment provider and test the full flow on mobile:
- Price Czech orders in CZK and Slovak orders in EUR.
- Offer cards and wallets first, then instant bank transfer with a QR code.
- Decide whether to keep cash on delivery and how to handle unpaid parcels.
- Check which banks support instant payments before promising instant confirmation.
How do you offer Czech and Slovak payment methods through OrsunPay?
OrsunPay is a payment orchestration platform: you keep your own contracts with licensed providers (for example Stripe, Adyen or Worldpay), and OrsunPay is not a payment institution, acquirer or merchant of record and does not hold or transmit funds. Through OrsunPay you can offer cards, wallets, instant bank transfers and local bank buttons by connecting providers that support them, show them in the hosted checkout and payment links, and route each payment by country, currency and method. For OrsunPay pricing, see the pricing page at /pricing.
Frequently asked questions
What is QR Platba?
The Czech Banking Association's standard for sharing payment details as a QR code, scanned in the shopper's banking app.
Which currency do Slovak shoppers pay in?
Euro. Slovakia is part of SEPA, including SEPA Instant.
Is cash on delivery still used?
Yes, many Czech and Slovak shops still offer it, though cards and bank transfers dominate online.
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Talk to our teamSources
- Czech Banking Association: QR Platba format specification (checked 2 November 2026)
- Czech National Bank: instant payments in CERTIS (checked 2 November 2026)
- BLIK: BLIK users gain access to e-commerce in the eurozone (April 2026) (checked 2 November 2026)
- European Central Bank: Instant Payments Regulation (checked 2 November 2026)