BELKARTBelarus’s national card scheme. Visa and Mastercard did not pull out of Belarus in 2022: in March 2022, they restricted cards from five sanctioned banks (Belinvestbank, Dabrabyt, and the Belarusian subsidiaries of Sberbank, VTB, and VEB) to use inside Belarus. The scheme also runs BELKART Pay, a mobile payment app distributed on Google Play and AppGallery; with no iOS or Google Pay, that channel is essential locally. Worth checking: the operator is the bank processing center, which is often confused with the interbank settlement center.ОАО «Банковский процессинговый центр» (Belarusian bank processing center; the scheme operates under the authority of the National Bank of the Republic of Belarus)
Global registry · Europe · Central and Eastern Europe
Belarus Payment systems
4 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
IBAN · Belarus
28 characters113 BIC codes
- Total length
- 28 characters
- Bank code position
- 5–8
- BBAN structure
4!c4!n16!c
Structurally valid example
BYcountry code13check digitsNBRBbank3600900000002Z00AB00account
BY13 NBRB 3600 9000 0000 2Z00 AB00
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Merchant, acquirer, PSPPayment regulationCentral banks and payment infrastructuresAgents, distributors, and banking-as-a-service: who is liable for whatPayments in the BalkansPayments in the Baltics and FinlandAccepting payments in Germany, Austria, and SwitzerlandAccepting payments in Spain and PortugalChoosing a jurisdiction for your payment institutionAccepting payments in the Netherlands and BelgiumAccepting payments in the NordicsAccepting payments in Poland and Central Europe
Card schemes
Wallets
Оплати (Oplati)Belarusian QR code payment and transfer service, backed by e-money rather than a card, and open to customers of any bank in the country. Its interoperability with QR codes from Russia’s SBP and from Sber makes it one of the few retail payment bridges between the two countries. Not to be confused with KROK, the national QR service launched by the central bank.ООО «Оплати» (Belarusian company registered in late 2018, a resident of the Minsk High-Tech Park, founded by banking IT professionals; it also operates software-based cash registers) · since 2018
Other
ERIP (Единое расчетное и информационное пространство)Single settlement and information space: a national one-stop billing hub where consumers and businesses pay school fees, energy bills, fines, and subscriptions from any bank. A centralized “bill payment hub” model rarely documented in the West, even though it underpins all bill payments in Belarus.National Bank of Belarus / Belarusian Interbank Settlement Centre · since 2008
BISS (Belarus Interbank Settlement System)Belarus’s RTGS system: real-time settlement of urgent and non-urgent interbank payments, and settlement of clearing balances from adjacent systems, including ERIP. A systemically important system, assessed by the World Bank and the IMF against the CPSS core principles.National Bank of Belarus (technical operator: Belarusian Interbank Settlement Centre)