Who Can Use Payment QR Codes?
The service is suitable for a wide range of Ukrainian enterprises and individuals:
Small Business and Individual Entrepreneurs
- Retail stores and points of sale
- Cafes, restaurants, food establishments
- Beauty salons, hairdressers, barbershops
- Repair workshops, auto services
- Private doctors, dentists, cosmetologists
Online Business
- Online stores
- Digital service providers
- Freelancers and consultants
- Educational platforms and online courses
- Subscription services
Individuals
- Private individuals accepting payment for services
- Charitable collections and donations
- Housing or property rental
- Sale of handmade goods
Public Organizations
- Charitable foundations
- Public organizations
- Religious organizations
- Sports clubs
- Volunteer initiatives
Legal and Regulatory Aspects
NBU Standards Compliance
pmnt.app generates QR codes in the format approved by the National Bank of Ukraine in accordance with:
- NBU Resolution No. 97 dated 13.07.2021 "On approval of Regulations on format and technical requirements for payment QR codes"
- ISO 20022 standard for electronic payments
- EPC (European Payments Council) SCT format adapted for the Ukrainian banking system
This compliance guarantees that pmnt.app QR codes are recognized by all banking apps that support the NBU standard.
Why Fiscal Registration Isn't Required?
According to the position of the State Tax Service of Ukraine:
Transferring funds using IBAN details is not acquiring because:
- There's no payment terminal as technical means of payment acceptance
- No payment card processing
- Operation is classified as interbank transfer, not as payment for goods/services with payment card
Therefore, requirements of the Law of Ukraine "On the application of registrars of settlement operations in the sphere of trade, public catering and services" don't apply to such operations.
Important: Entrepreneurs must still comply with general tax legislation requirements regarding income and expense accounting. Absence of fiscal registration doesn't mean absence of operation accounting.
Accounting Recommendations
For proper accounting, we recommend:
- Keep bank statements — they confirm the fact of funds receipt
- Maintain operation log — record all accepted payments with details
- Issue goods receipts or acts — if provided by your business specifics
- Consult with accountant — to determine optimal accounting method in your situation
Practical Tips for Use
For Retail Trade
- Print several QR codes with different amounts (100 UAH, 500 UAH, 1000 UAH) for most popular purchases
- Place QR code near checkout — customers can scan it independently
- Use tablet — show QR code on screen for each transaction
- Create separate invoice for each customer with unique payment purpose for simplified accounting
For Online Sales
- Integrate QR code on payment page — add it as alternative payment method
- Send invoice link together with order confirmation
- Use API for automatic invoice generation during checkout
- Offer QR payment in email newsletters and marketing materials
For Services and Freelance
- Generate invoices through Telegram bot — quickly create invoices directly in messenger
- Add QR code to PDF invoices — customers can pay immediately
- Use standard templates for regular services with same cost
- Offer multiple payment options — some customers may prefer classic payment
For Charity and Donations
- Place QR code on social networks — simplify donation process for subscribers
- Create link for each campaign with unique payment purpose
- Print QR code on flyers and promotional materials
- Embed QR on charitable foundation website for quick contributions
Comparing pmnt.app pricing with alternatives
pmnt.app vs Traditional Bank Acquiring
| Parameter | pmnt.app | Bank Acquiring |
|---|---|---|
| Transaction commission | 0% | 1.5-5% |
| Subscription fee | 0 UAH | 200-800 UAH/month |
| Equipment cost | 0 UAH | 2,000-10,000 UAH |
| Fiscalization | Not required | Mandatory |
| Connection time | Few minutes | 1-2 weeks |
| Connection documents | Minimum | Large package |
pmnt.app vs Online Acquiring (LiqPay, Fondy)
| Parameter | pmnt.app | Online Acquiring |
|---|---|---|
| Commission | 0% | 2.5-3.5% |
| Connection | Free | From 0 to 3,000 UAH |
| API | Yes | Yes |
| Website integration | Yes | Yes |
| Funds delay | None | 1-3 days |
| Payment system connection | Not required | Required |
pmnt.app vs Other QR Generators
| Parameter | pmnt.app | Other QR Services |
|---|---|---|
| Telegram bot | Yes | Rare |
| MCP for AI | Yes | No |
| NBU standard support | Yes | Yes |
| API access | Yes | Not always |
Conclusion
pmnt.app is a modern, convenient, and economically advantageous solution for accepting cashless payments in Ukraine. The service combines ease of use, absence of commissions, and full compliance with National Bank of Ukraine standards.
Main Advantages of pmnt.app:
✅ Zero commissions — receive 100% of payment amount
✅ No equipment — POS terminals and their maintenance not needed
✅ No fiscalization — IBAN transfer doesn't require RRO
✅ Instant connection — start accepting payments in minutes
✅ Universality — works with all major Ukrainian banks
✅ Security — all operations through official banking channels
✅ Multi-channel — web interface, Telegram, API, MCP