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QR Platba: the Czech payment QR code

QR Platba is the Czech QR code for bank transfers. It is a short line of text in the Short Payment Descriptor (SPD) format, and Czech banking apps read it to fill in the account, amount, variable symbol and message. The Czech Banking Association maintains the format.

Last updated 7 November 2026

At a glance

Country
Czechia
Currency
CZK (EUR is also allowed)
Defined by
Czech Banking Association (Česká bankovní asociace)
Barcode
QR code
Content
One line of text: SPD*1.0 followed by KEY:value pairs separated by asterisks

Make a QR Platba code in Scanay

Pick the country, fill in the details, and Scanay checks every field as you type and draws a code that banking apps can read.

  • Share it by link, embed it on a page, send it by e-mail or download it
  • One place for all seven standards, with the right fields for each country
  • Included in the free trial and in the subscription
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You need a Scanay account to make codes. No card to start.

What is inside a QR Platba code

The code is a single line such as SPD*1.0*ACC:CZ65…*AM:990.00*CC:CZK*X-VS:1001*MSG:…. Each part is a key, a colon and a value, and an asterisk separates the parts.

ACC
The recipient's IBAN, with the BIC after a plus sign if you add one.
AM and CC
The amount with a decimal point (990.00) and the three-letter currency.
X-VS, X-KS, X-SS
The variable, constant and specific symbols, up to ten digits each. The variable symbol is what shops use to match a payment to an order.
RN and MSG
The recipient name (35 characters) and the message to the recipient (60 characters).

Details that often go wrong

  • Keep text to plain ASCII without accents. Several banking apps mangle diacritics, so Scanay removes them.
  • An asterisk inside a value would split it, so it is removed from names and messages.
  • Czech payments rely on the variable symbol, so set it to the order number so you can match the payment.

Using it in your Shopify store

Scanay makes the code for every order automatically and puts it into your Shopify order e-mails, so you never type these details yourself. It picks the right standard from the country of the order.

The setup guide takes about ten minutes, or start the free trial.

Questions

Do I need the BIC?

No. The IBAN is enough, and the BIC is optional in the format.

Can I use QR Platba in euro?

Yes, the currency field accepts EUR as well as CZK, and Scanay offers both.

Other standards

  • UPN QR: The QR code on Slovenian payment slips, read by Slovenian banking apps.
  • HUB3: The PDF417 barcode on Croatian payment slips, read by Croatian banking apps.
  • PAY by square: The compressed QR code used for Slovak bank transfers and invoices.
  • ZBP: The pipe-separated 2D payment code recommended by the Polish Bank Association.
  • MNB QR: The payment QR code defined by the Hungarian central bank, with a validity date.
  • EPC QR: The European QR code for SEPA credit transfers in euro, also known as GiroCode.

Scanay is not affiliated with the organisations that define these standards. The descriptions summarise their public specifications; check the specification itself for binding details.

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