Qvik Payment

It has been available to all domestic mobile banking users since 1 September 2024.

Qvik payment is only available at merchants and service providers who have joined the service and display the qvik logo to indicate that this payment option is available. Merchants are free to decide whether to introduce qvik payment. To do so, they must have a suitable POS terminal or, in the case of a web shop, they must provide a deep link during the payment process, which can be clicked to initiate instant payment

The merchant sends a payment request to the payer (customer) using a unique code, link, NFC, or payment request, which contains the payment details. The customer approves the payment details using their mobile device, and the merchant then receives the amount. Qvik payments are executed according to the rules for instant transfers.

Instant transfers initiated using qvik-QR, qvik-NFC or qvik-link can be made on a mobile device if an active mobile banking app is available on the smart device.

For iOS, the MBH apps that support qvik payment options can be downloaded from the App Store, and for Android, from Google Play (not available on other operating systems) as follows:

EAMs that have already been scanned on a smart device but have not been paid for, or that require multiple signatures, are also available on thin and thick client banking solutions (Netbank/Terminal), where scanned EAMs can be approved before their expiry date.

Out-of-app scanning OUT APP: The qvik-EAM payment is initiated by scanning the QR code directly with the phone's factory camera, clicking on the Deeplink, or receiving an NFC signal. Scanning the qvik-EAM automatically opens the mobile payment app installed on the phone, which handles the scanned data. Therefore, the initiation of EAM scanning takes place before the Bank App is launched.

IN-APP scanning: Within the mobile application, the user has the option to start scanning by selecting one of the QR/NFC/Deeplink-based scanning methods. This means that the EAM scan is initiated after launching the Bank App from the appropriate menu item.

Once the scanning process is complete, both processes initiated from either direction go through the same validation and transaction steps; there is no difference between the processes.

It is important to always check the transfer details before approving the payment, especially the accuracy of the amount and the beneficiary's details.

With QR code, NFC, and deeplink scanning, the mobile banking interface automatically fills in the transfer details. The amount and message can only be changed before signing if the beneficiary (the recipient of the payment) has authorized this.

If you find the transaction details to be incorrect but can no longer change them, we recommend that you reject the order and contact the merchant or service provider.

• The MBH application, which enables qvik scanning, is not installed
• You do not have an account suitable for qvik payments
• There are insufficient funds in the account selected for payment
• The scanned QR code or deep link is incorrect
• The validity period specified for payment has expired
• The security code entered is incorrect.
• A duplicate payment attempt has been made (an instant transfer has already been completed with the QR code at the payer's bank).
• Suspected fraud has occurred.
• The instant transfer order initiated has failed.

In the above cases, the mobile bank will send an error message.

Not necessarily. There are QR codes, such as those on cheques, which initiate card-based payments when scanned.

Example: Magyar Posta Zrt. iCsekk service details: Posta.hu/icsekk In contrast, the qvik QR code initiates an instant transfer order to complete the payment.

The qvik logo helps you recognize whether a given QR code initiates a transfer transaction in accordance with the MNB standard.

In Hungary, for transactions specified in Section 35(1) of the MNB's 35/2017 Payment Services Regulation, only the qvik QR code-based transfer method may be used; other QR code solutions are not permitted.