It is a new, account-based instant payment solution developed jointly by GIRO and the Central Bank of Hungary (CBH). Instant transfer payments can be initiated by scanning a QR code, making an NFC contactless payment or tapping on a so-called deeplink (leading into UniCredit mBanking or mBanking Business service).

When shopping in-store or online, you can use this function to pay by instant transfer instead of using a bankcard when paying a bill. When initiating an NFC contactless payment, scanning a QR code or tapping on a deeplink, a transfer overview completed with the data of the payment transaction will appear in the mBanking or mBanking Business mobile bank service. If all the details are correct, you can initiate the instant transfer i.e. finish the payment transaction with a single click followed by authentication with a PIN code or a biometric identification.

Through the mBanking service of the UniCredit mBanking mobile application*. (* iOS 5.47.12, Android 4.49.10.0.)
Through mBanking Business service of the UniCredit mBanking Buiness mobile application ( iOS 5.40.25 és Android 4.41.17.0)

As a condition for using the qvik instant payment service, our customer must have a contract for the mBanking or mBanking Business service and it must be activated in the UniCredit mBanking or mBanking Business mobile app. No separate agreement is required.

Please indicate at the checkout if you want to use the qvik instant payment service, specifying whether you want to use a QR code or NFC, and that you want to use UniCredit bank’s mobile app The merchant must record data on the terminal necessary for the payment (i.e name of bank, amount etc)

• For NFC payments, simply tap your phone on the POS terminal.
• For QR code payments, scan the QR code  generated on the terminal
  • with the function integrated into the mBanking service (“Transfer by scanning QR code” option within the “Scan & Pay” submenu available from the “Transfers” menu item). or
  • with your phone’s camera (in case of devices suitable )

and log in to the mBanking or mBanking Business service.

• Check the data on the appearing transfer overview page. If everything is in order, approve the transaction with a PIN code or a biometric identification to launch the instant transfer.  Attention! Before approving the transaction check the data, especially the amount recorded.

• Scan the QR code available online or received in an e-mail, or tap on a deeplink (leading you into mBanking or mBanking Business service).
• You can scan the QR code using the function integrated into mBanking service (“Transfer by scanning QR code” option within the “Scan & Pay” submenu available from the “Transfers” menu item), or (in the case of iPhones) with the phone’s camera or the QR code reader installed on the mobile phone.
• By clicking on a deeplink or using QR code scanners, the completed transfer order will appear after logging in to the mBanking service, which you can approve after a thorough check and start the instant transfer with a PIN code or biometric identification.

• You can pay in shops with NFC contactless payment using your mobile phone without the need to have a bankcard. All you need is an activated mBanking or mBanking Business mobile banking service and a payment account with a positive balance.
• A new type of payment solution with a simple and fast payment experience for our customers.
• There is no need to enter your bankcard details when shopping online.

For private individuals  the service is free of charge.¹ The fee for our small business customers is the same as the fee for a transfer submitted electronically. However, the Bank does not charge this fee as a special offer. The promotion is valid until January 31, 2025.

• If you have several banking applications on your mobile phone, choose carefully which one you want to pay from.
• If you have several payment accounts, definitely check which account you’re transferring from! Tap on the account to change it.
• Carefully check the details on the overview page, especially the amount and the name of the merchant. Make sure that everything is correct before starting to transfer.
• When tapping on a deeplink, always check if
• You have landed in the mBanking service of the UniCredit mBanking mobile application.
• You ordered anything from the specific merchant and if the price is ok.
• You never have to enter bankcard details or log in to eBanking, if you are required to any of these you should stop the process immediately.

Request-to-pay is a standardised message sent by the beneficiary to the payer to initiate a payment in the domestic payment system for the settlement and execution of an instant payment transfer order. In other words, a request-to-pay order is an instant credit transfer order in HUF, prepared by the beneficiary and sent to the payer, which is received by through the electronic banking channel used by the payer. The transaction requires the explicit consent of the payer.

The request-to-pay process:

1. Agreement on the payment method and collection of account information (name + account number or secondary identifier) from the Payer.
2. The Beneficiary creates a payment request, providing the payer and transaction detail.
3. The Beneficiary’s bank forwards the request-to-pay order to the payer's bank (if the payer is not an intra-bank) via GIROINSTANT clearing system.
4. The Payer's bank notifies the Payer of the receipt of the request (at the same time confirming to the Beneficiary's bank that the request has been successfully received).
5. The Payer may approve the request before the expiry date, initiating an instant payment, but may also reject it.
6. A positive response to the payment request is received by the Beneficiary's bank in the form of an instant payment (in case of rejection, a reject confirmation will be sent).
7. The Beneficiary's bank credits the amount to the Beneficiary's account and informs the Beneficiary that the request has been successfully fulfilled (in case of rejection, the beneficiary will be notified of the rejection).

Request-to-pay is a new payment initiation method based on the instant payment system, which can be used for payments between persons, settlements between companies or between service providers and consumers.

Our customers can submit a request-to-pay order to the bank as a beneficiary against another account holder (inside or outside the bank) as a payer. If the payer approves the request, the order is executed as an instant payment and our client becomes the beneficiary of that transfer.

Our clients may receive a request-to-pay order as a payer from another account holder (internal or external). By approving the request, they can place an instant payment order against their own payment account, the beneficiary of which will be the party sending the request-to-pay order.

All our electronic banking channels: UniCredit eBanking, UniCredit mBanking*, UniCredit mBanking Business**, Spectra, SpectraNet and MultiCash).

* The app version that includes the payment request feature is not available on phones with Huawei and iOS 12 or older
** Phones with an operating system older than iOS 12 do not have an app version that includes the payment request feature

To use the request-to-pay service (as beneficiary or payer), our customers must have an agreement for electronic banking services. No further agreement is required.

In the request-to-pay order the beneficiary specifies the validity period, which cannot be longer than 2 months from the date of the order submitted. During the validity period of the payment request, the payer may approve or reject the payment request. If the payer does not approve or reject the payment request during its period of validity, the payment request may no longer be used to execute an order after the expiry of the period of validity. Even after the rejection of a payment request by the payer, a transfer order may no longer be executed based on the same request. If the execution of a credit transfer order submitted based on a payment request is rejected by the bank due to insufficient funds, the payer account holder may initiate an instant credit transfer again by approving the payment request during the validity period of the payment request.

The sender (the beneficiary) of the payment request may indicate the payment deadline as well, which may be earlier than the validity period. This deadline depends on the agreement between the payer and the beneficiary, the due date of the payment obligation (e.g. the due date of the invoice to be paid by the request). However, the final deadline for taking a decision on the request-to-pay order (approval or rejection) is the validity period indicated in the request.

Approving a payment request means initiating an instant transfer of funds, with the details specified in the request-to-pay order or, if the beneficiary has given the payer the option, with the amount amended by the payer.

The beneficiary must provide all the information necessary to initiate an instant payment transfer based on a payment request in the request-to-pay order. Instead of the payer's name and account number, the payer's secondary account identifier may be provided. The beneficiary may allow the payer to modify the amount specified in the payment request. In case the amount is amended, the payment request shall be executed with the amended amount, if approved.

The Bank shall reject the request-to-pay order or shall not forward it to the payer, stating the reason for the rejection, in the following cases:

• the payer does not have one of the electronic banking services,
• the payer has expressly waived acceptance of the payment requests or the payment request has been submitted by the beneficiary to a payment account which is not at the free disposal of the account holder

The payment request may be cancelled/recalled by the beneficiary within the validity period, prior to rejection or approval by the payer, for example if the amount is incorrect or the payment has been settled in another way.

The payer will be notified by the bank of the payment request received. The beneficiary will be informed by the bank immediately after the payment request is notified of its execution or rejection. The notifications are delivered via the electronic banking channels, where the status of the request-to-pay orders can also be continuously tracked in the list of outgoing and incoming requests.

The fees for the request-to-pay service are set out in the list of conditions in force from 06.03.2024.

Request-to-pay is a new payment initiation method in the instant payment system, but it is not a direct debit. Unlike direct debits, where the transaction is executed based on a prior mandate, a payment request is only executed if the payer approves the request. To initiate a request-to-pay order, the beneficiary does not need to register as a direct debtor and is not subject to the obligations associated with direct debits (e.g. the direct debit order must be sent to the bank at least 6 days before the due date).