What are IPS Skeniraj and IPS Pokaži?
They are QR payment methods on Serbia's IPS NBS instant payment system. The shopper scans or shows a QR code in the bank app and the money moves in about a second. IPS processed a record 611,415 payments on October 15, 2026.
In detail
They are QR payment methods on Serbia's IPS NBS instant payment system. The shopper scans or shows a QR code in the bank app and the money moves in about a second. IPS processed a record 611,415 payments on October 15, 2026.
How people pay in the Western Balkans in 2026
Serbia already runs one of Europe's busiest domestic instant systems, IPS NBS, with QR payments in stores and online. Cards keep growing fast, but cash on delivery is still a reflex for many online shoppers.
Payment by bank transfer in the Western Balkans
Serbia leads the region on instant payments. Its IPS NBS system processed 109.3 million payments in 2025, up 25.4%, and set a daily record of 611,415 payments on October 15, 2026. Shoppers pay at the till or online by scanning or showing a QR code in their mobile banking app, and settlement takes about one second.
Payment by digital wallet and X-Pay in the Western Balkans
Serbia had 5.1 million m-banking users at the end of 2025. Inside these apps, IPS Pokaži (IPS Show) and IPS Skeniraj (IPS Scan) turn the phone into a QR payment tool at the till. For merchants, device wallets run on card rails and card rules, while IPS QR settles account to account in about a second.
More detail in our #PayWorldTour guide Payment methods in the Western Balkans.