How to accept RoPay payments

What RoPay is

RoPay is Romania's instant payment scheme. The payment travels account to account between banks: the buyer confirms it in their own bank's app, and the amount reaches your account in real time, any day, any hour.

It is not a card. There is no EMV chip and no card network between the two of you — which is why there are no card-scheme fees and no interchange.

How the payment looks at the counter

The same scheme is accepted in several ways, and you pick what fits the point of sale:

• POS terminal — the code appears on the customer-facing screen.
• SoftPOS — your phone or tablet becomes the terminal.
• QR or NFC — at the counter, on the table, on the shelf, or on the invoice.
• Payment link — sent over any channel.
• Online checkout — over the API or through your platform's plugin.
• Chat — the payment starts inside the conversation.

Payment requests pushed to the customer exist where the scheme allows them — availability is set by the scheme, not by us.

What your bank asks for

The application is made online, from details you already have:

• your bank — picked from the list;
• the company CUI or CIF — 2 to 10 digits, the RO prefix optional;
• the administrator's CNP — 13 digits, for the person authorised to represent the company;
• a Romanian phone number for contact.

The bank matches the CUI–CNP pair against its own client records: that is how it confirms the applicant really belongs to that company. If the pair does not match, the company is not a client of that bank yet — the next step is opening a business account.