Czech QR Platba & SPAYD v1.0 Standard
In the Czech Republic, over 35% of domestic e-commerce transactions are completed via instant bank transfers initiated by scanning a banking QR code known as QR Platba. Established by the Czech Banking Association (ČBA) under the SPAYD (Short Payment Descriptor) standard, this format enables shoppers to pay instantly using their smartphone banking apps (e.g., ČSOB, Česká spořitelna, Komerční banka, Air Bank).
1. Commercial Advantages of QR Platba
- 0% Intermediary Processing Fees: Funds transfer directly between bank accounts without gateway percentage cuts.
- Zero Chargeback Risk: Irrevocable bank transfers protect merchants from card fraud and frivolous dispute claims.
- Automated Bank Reconciliation (Variable Symbol): Webito automatically embeds the numeric order ID into the
X-VS(Variabilní symbol) field, simplifying accounting reconciliation.
2. SPAYD v1.0 Format Specification
textSPD*1.0*ACC:CZ5808000000001234567890*AM:1499.00*CC:CZK*X-VS:20260012*MSG:Objednavka 20260012 Webito
| Parameter | Standard Tag | Description |
|---|---|---|
| IBAN | ACC | Merchant's international bank account number in Czechia |
| Amount | AM | Order total formatted with two decimal digits |
| Currency | CC | ISO currency identifier (CZK) |
| Variable Symbol | X-VS | Up to 10 numeric digits matching the order tracking number |
| Remittance Note | MSG | Clean ASCII message rendered on customer's bank statement |
3. Step-by-Step Configuration in Webito
- Navigate to Settings > Payment Methods > Czech QR Platba in Webito Admin.
- Enter your Czech bank IBAN (beginning with
CZ) and your bank's BIC / SWIFT code. - Save settings to immediately display the QR code at checkout and on PDF tax invoices.