Starting from November 1, 2025, merchants in Ukraine will be able to accept payments not by account number or IBAN, but by QR code. This is stipulated by the National Bank Resolution No. 97, which unifies the rules for creating, transmitting and processing QR codes in bank payment applications. This is reported by 7eminar.
According to Andriy Podderyogin, Director of the Department of Payment Systems and Innovative Development of the NBU, the innovation will simplify cashless payments for users and businesses. From now on, the QR code will become a universal tool for instant payments, including in online commerce.
What changes will the QR code from the NBU bring to payment for goods and services
What will change:
Each user of the banking application will receive the function of scanning QR codes directly from the main screen;
Each QR code will have a single logo – the hryvnia sign on a white background for quick identification of the payment method;
on one mobile device, it will be possible not only to scan, but also to generate QR codes, exchange them between applications and initiate instant transfers;
merchants will be able to transmit the identifier of a point of sale or a specific account via a QR code, which will simplify the accounting of payments in accounting systems;
entrepreneurs will be able to “protect” fields in the payment form — for example, fix an amount that cannot be changed during payment.
QR code for payment reduces the number of errors
This format replaces the traditional manual entry of details and reduces the risk of errors during payments. QR codes will allow the buyer to simply scan the image in the store, on the cashier’s screen or on the website, after which the payment will automatically be pulled up in the banking application.
Methods of accepting payments for business
The NBU explains that this is a step towards building an open ecosystem of instant payments. It envisages that businesses will be able to accept payments in several ways:
through their own “self-acquiring” system;
according to the classic acquiring scheme;
or thanks to open banking technologies.
