Okamžité platby (CERTIS instant payments)An instant module built into CERTIS, not a separate system. Participating banks account for more than 90% of customer transactions, which amounts to universal coverage in Czech koruna.Česká národní banka (ČNB) · since 201840.8 million instant transactions in April 2026 alone, up about 50% year over year; one in three CERTIS transactions was instant in 2024 (ČNB)
Global registry · Europe · Central and Eastern Europe
Czechia Payment systems
6 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 · Czechia
24 charactersSEPA area47 bank codes148 BIC codes
- Total length
- 24 characters
- Bank code position
- 5–8
- BBAN structure
4!n6!n10!n
Structurally valid example
CZcountry code65check digits0800bank0000192000145399account
CZ65 0800 0000 1920 0014 5399
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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
Instant payments
Clearing and settlement
CERTISA Czech specificity: the central bank itself runs the country’s only interbank system, which serves as both RTGS and bulk clearing. Since May 2025, it has been open to nonbank payment institutions, a rare move in Europe.Česká národní banka (ČNB) · since 1992983 million transactions worth CZK 386.5 trillion in 2024, or 3.9 million transactions a day (ČNB, 2025 press release)
Interoperable QR
QR PlatbaNational QR standard that encodes a credit transfer order (not a card payment), readable by every Czech banking app. Used on invoices and at checkout, it explains the very high use of instant credit transfers at the point of sale in Czechia.Česká bankovní asociace (ČBA) · since 201231% of Czechs say they use instant QR payments in stores and online (secondary source, 2026)
Buy now, pay later
Skip PayCzech BNPL provider backed by a major bank: pay in 30 days, pay in three installments, a card, and personal loans of up to CZK 100,000. It shows how banks are consolidating deferred payment in Central Europe, whereas elsewhere the dominant model is still the independent fintech.Skip Pay s.r.o. (Prague-based company, operated in partnership with ČSOB, a KBC Group bank; the service was previously marketed as MallPay)more than 130,000 active users and more than 33,000 partner online merchants (Skip Pay s.r.o., skippay.cz, accessed August 2026)
TwistoCzech pioneer of pay-later on invoice: deferral of up to 45 days, pay in three, installment plans from 3 to 36 months, and virtual and physical cards. Its original model, which pushes back the due date, is distinct from splitting a purchase into several monthly installments, and that distinction drives how the credit is regulated.Twisto payments a.s.
Other
SIPO (Soustředěné inkaso plateb obyvatelstva)Consolidates all of a household’s recurring payments (rent, energy, insurance, license fees, subscriptions) into a single monthly payment, identified by a personal connection number. A long-established Czech mass-market channel, payable at a post office counter or by bank direct debit.Česká pošta, s.p. (Czech Post, a state-owned company; the service has been governed by Act No. 370/2017 Coll. on payment services since March 1, 2018)