Bank Transfer
Accept instant bank transfers via SEPA and Certis QR codes.
Tapaya Accept SDK simplifies bank transfers by generating standardized QR codes that customers can scan with their mobile banking apps. We support instant settlement networks to ensure you receive funds quickly.
Supported Networks
| Network | Currency | Type | Region | Settlement Speed |
|---|---|---|---|---|
| SEPA Instant | EUR | SCT Inst | EU, EFTA, UK | ~10 seconds |
| Certis | CZK | Instant Payment | Czech Republic | ~2 seconds |
| SEPA Credit | EUR | SCT | EU, EFTA, UK | ~1 business day |
| Certis Credit | CZK | Standard | Czech Republic | ~1 business day |
Instant Fallback
If the customer's bank does not support instant transfers, the payment will automatically fall back to a standard credit transfer (T+1).
Transaction Flow
Initiate Transaction
Select SEPA or CERTIS as your payment interface. You can optionally specify the preferred currency/network. To get more details, refer to the SDK Integration.
Display QR Code
The SDK displays a QR code containing all necessary payment details (IBAN, Amount, Variable Symbol/Reference).
- SEPA: Generates an EPC-QR code.
- Certis: Generates a Czech QR code (SPAYD).
Customer Payment
The customer opens their mobile banking app, scans the QR code, and confirms the payment.
Confirmation
The SDK polls the banking network for the incoming transaction. Once the funds are detected in your virtual account, the transaction is marked as Approved and the SDK closes.
Money movement
Money is settled directly to the Merchant's bank account. Payment fee and commission are invoiced at the end of the month.
Learn more about Merchant payouts and Platform payouts.