Your customer taps their bank, the details fill themselves in, and the money lands straight on your IBAN. No card, no terminal, no acquiring fee on the transfer.
Example: a shop sends the buyer a payment link for 2 450 ₴ for order #A-0428. The buyer opens it and pays — the bank details were already filled in, nothing had to be typed by hand.
Nothing about a bank transfer is slow. What is slow is a person retyping 29 digits from a chat message on a phone screen.
Every retyped field is a chance to lose the sale.
Nothing is typed by hand, so nothing can be mistyped.
Amount and purpose in the merchant cabinet — or one API call from your own system. You get a link and a QR code.
The banking app opens with IBAN, amount and purpose already in place. If their bank is not on the list, every field is copyable in one tap.
We read the incoming credit from your bank statement, match it to the order and fire a webhook. No manual checking of the account.
Net of the IBAN+ PAYG fee — on the share of turnover you move to IBAN+.
The 0% is about the fee on the transfer itself: a direct A2A credit carries no acquiring commission. What replaces it is the IBAN+ PAYG fee per operation, already netted out above — bank service fees are separate and depend on your bank. The PAYG tier and cost above are estimated assuming a 1 000 ₴ average ticket to convert your turnover into an operation count — your actual tier depends on your real transaction size. Cards do not disappear either, IBAN+ simply takes the share of payments that does not need one.
IBAN+ is pay-as-you-go: the price per operation steps down as your monthly volume grows, then settles into a flat rate for high-volume accounts.
There is no separate subscription for PAYG — you pay only for operations you actually run, and the rate steps down on its own as volume grows. Enterprise accounts above the ladder are priced individually for the business.
| Operations/mo | Price per operation |
|---|---|
| Up to 300 | 25UAH |
| Up to 1 500 | 21UAH |
| Up to 5 000 | 18UAH |
| Up to 15 000 | 17,5UAH |
| Above that — individual terms (Enterprise) | |
The transfer is made by the customer’s own bank, straight to your IBAN. We build the request and tell you when it arrives.
Funds move from the customer’s bank to your account. No intermediary holds them along the way, so there is nothing to settle later.
The payer sees the recipient, IBAN, tax code, amount and purpose before confirming — the same values that are locked into the QR code.
Links and QR codes follow the National Bank of Ukraine payment QR standard (Resolution No. 97), which is what lets any compliant banking app read them.
A link generator can only count clicks. We read the incoming credit from your bank statement, match it against the order and push a webhook into your system — the order closes itself.
The set of apps that open pre-filled differs between iOS and Android and keeps growing. If a customer’s bank is missing, the payment page still shows every detail with a one-tap copy button — the transfer is never blocked.
IBAN+ is pay-as-you-go, priced per operation. The price drops in steps as your monthly volume grows — see the pricing table above for exact rates. Above the top step you move to Enterprise, priced individually.
You don’t need to guess or pick a plan up front. IBAN+ is billed per operation — you pay for what you actually process, and the price tier is picked automatically based on your monthly volume.
Yes. There is no setup fee and no minimum commitment — you start paying only once you connect your first live payment through IBAN+.
Talk to sales
Thirty minutes on your current providers and the markets you sell in.
or write to sales@p26m.com