Payment links with your brand — to your IBAN, no commission
Create an invoice in seconds. Your customer opens a beautiful page with your logo and pays in their own banking app via the NBU QR standard. Money lands straight in your account — we never see or touch it.
- 0% commission
- NBU Resolution №97 QR
- Your domain and link preview
A card number in DMs is no longer an option
Transfers to a personal card are convenient until the bank starts asking questions. In 2026 there will be more of those questions.
Risk of blocking
Banks and financial monitoring look ever more closely at personal cards that regularly receive transfers from many different people. The result: document requests, limits or a blocked card.
The NBU draft “16 signs”
On 17.07.2026 the NBU published a draft list of signs of atypical transactions, including systematic use of personal cards for business payments and receiving money from dozens of people. It is still a draft, but the direction is clear.
Customer distrust
“Send it to card 5375…” in a chat looks like fraud. A page with your brand, the sole proprietor’s details and an NBU QR code looks like a real shop.
Manual reconciliation
Who has paid and who has not? Searching the statement by amount takes hours every month. We mark invoices as paid and ping you in Telegram.
The answer is to accept payments to the sole proprietor’s current account by IBAN. We make it as easy as a card number — and much nicer.
How it works
Three steps and you can send payment links to customers.
Add your IBAN and brand
Logo, colours, photo — a few minutes. We check the details: IBAN checksum, bank by MFO, EDRPOU or tax number.
Create an invoice
In the dashboard, in the Telegram bot or via API. Fixed or pay-what-you-want amount, expiry date, order number.
The customer pays in their bank
The button opens the banking app with all details prefilled per the NBU standard. Money arrives straight to your account and you get notified.
Everything to make payment look like yours
Not just a QR code: a page, a preview, reconciliation and automation — under your brand.
Your own domainBrand+
pay.yourbrand.ua instead of someone else’s link. Connect with a CNAME record; the SSL certificate is issued automatically.
Your design with a photoBrand+
Photo background, Cyrillic fonts with ₴, colours and texts. The page HTML is under 50 KB, so it opens fast even in Instagram or Telegram in-app browsers.
A preview for every invoiceBrand+
Links in Telegram, Viber or WhatsApp unfold into a card with your photo, logo and the amount.
Automatic payment confirmationBrand+
PrivatBank (Autoclient) and monobank are connected in the dashboard; manual confirmation and the customer’s “I have paid” button always work. Now: PrivatBank — coming soon; monobank — in your browser while the dashboard is open. We keep only transactions that match your invoices.
Telegram bot
/new 1250 Consultation — and the link is ready. Notifications when a customer goes to pay in their bank, taps “I have paid” and when the money arrives.
API and webhooksBrand+
REST API with idempotency keys and HMAC-signed “paid” webhooks — for CRMs, websites and chatbots.
NBU Resolution №97 QR with ₴
Format 002, Windows-1251 encoding, versions 10–17, the hryvnia sign in a white circle — exactly as NBU Resolution №97 of 19.08.2025 requires. For pay-what-you-want the amount field stays empty, as it should.
No cash register (PRRO) for transfers to a current account
If a customer pays by bank transfer from their bank account to your current account by IBAN, a PRRO is not mandatory (State Tax Service letter of 29.09.2025 №1057/2/99-00-21-01-01-02). Exception: payments from payment accounts of non-bank institutions may require a PRRO.
A preview that sells
Every link unfolds in the messenger into a card with your brand. Before tapping, the customer sees whom they pay and how much — and trusts it.
- A separate image for every invoice: photo, logo, amount, title (“Brand” plan)
- Works in Telegram, Viber, WhatsApp, Instagram and Facebook
- “Brand only” mode without the amount for sensitive invoices
- Your domain in the link — no one else’s brand
Oplatko vs alternatives
Compared with popular IBAN payment-link services, based on public sources as of 09.2026.
| Oplatko | Other services | |
|---|---|---|
| Price per month | 0 / 99 / 179 / 349 UAH | up to 499 UAH, or a fee per IBAN and per QR code |
| Custom domain | ✓ from “Brand” | usually not available |
| Link preview in messengers | ✓ per invoice: photo, logo, amount | the service’s own image, the same for all links |
| Remove service branding | ✓ from “Brand” | the service’s label usually cannot be removed |
| Page design | photo background, fonts, colours, texts | colours and logo at most |
| Automatic confirmation | monobank; PrivatBank coming soon, “I have paid”, manual | depends on the service; often manual only |
| API and webhooks | ✓ from 179 UAH | on expensive plans; webhooks not always |
| Telegram bot | ✓ invoices and notifications | not always |
| Commission on payments | 0% | 0% |
Based on public plans and feature descriptions of popular services as of 09.2026. If something has changed, write to us and we will fix it.
Pricing
Cheaper than alternatives, with features they lack. Paid plans from 99 UAH per month.
Free
Try it and take your first payments
- 1 IBAN account · up to 50 invoices/mo
- Template + your logo
- Small “Oplatko” line on the page
- Automatic link preview (amount or brand)
- Shared address pay.oplatko.com
Start
Freelancers, tutors and small shops
- 3 IBAN accounts · up to 300 invoices/mo
- Template + your logo
- Small “Oplatko” line on the page
- Automatic link preview (amount or brand)
- Subdomain brand.oplatko.com and short links for SMS
- Pay-what-you-want amount, name and order № fields
Brand
Instagram & Telegram stores, online schools
- 5 IBAN accounts · up to 1,000 invoices/mo
- Full design: photo background, fonts, colours (20 designs)
- No Oplatko branding (white-label)
- Link preview for every invoice: amount, title, photo
- 1 custom domain (pay.yourbrand.ua)
- Pay-what-you-want amount, name and order № fields
- Automatic payment confirmation (monobank; PrivatBank coming soon)
- REST API and webhooks (2 endpoints)
- Staff access to a simple panel, unlimited
Business
Several brands, CRM and high volume
- 20 IBAN accounts · up to 20,000 invoices/mo
- Full design: photo background, fonts, colours (100 designs)
- No Oplatko branding (white-label)
- Link preview for every invoice: amount, title, photo
- 3 custom domains (pay.yourbrand.ua)
- Pay-what-you-want amount, name and order № fields
- Automatic payment confirmation (monobank; PrivatBank coming soon)
- REST API and webhooks (10 endpoints)
- Staff access to a simple panel, unlimited
On every plan: QR codes per the NBU standard with the ₴ sign, Telegram bot, “I have paid” button, manual confirmation, 0% commission. Prices in UAH, VAT not charged (the provider is not a VAT payer); a year costs 10 months. Paid plans and the trial are currently available to single-tax payers and resident individuals of Ukraine.
Free NBU QR generator
Create an NBU-standard QR code and payment link without signing up: recipient, IBAN, code, amount and purpose. Plus an IBAN checker that finds the bank.
Questions and answers
Do I need a cash register (PRRO) if customers pay by IBAN?
If a customer transfers money from their bank account to a sole proprietor’s current account using IBAN details (including internet banking or a banking app), using a cash register (RRO/PRRO) is not mandatory — this is the position of the State Tax Service in its letter of 29.09.2025 №1057/2/99-00-21-01-01-02. Exceptions: payments from payment accounts of non-bank institutions, cash or card terminal payments may require a PRRO. This is general information, not tax advice.
Who can use the service?
The service is currently available to single-tax payers and resident individuals: sole proprietors of groups 1–4, LLCs on the single tax and individuals resident in Ukraine. At sign-up you state your status and tax code; the first plan payment is checked against the single-tax payers register.
Does the service see my money?
No. The customer transfers money in their own bank directly to your IBAN — it never passes through us, and we cannot hold or debit it. We create the invoice, page and QR code and, on your instruction, check whether the payment has arrived.
Is it safe?
- The details on the page always match the data in the QR code; card numbers and other IBANs in texts are not allowed.
- Bank tokens are stored encrypted (AES-256-GCM); for PrivatBank we ask for a statements-only token; monobank can be connected so that the token never leaves your browser.
- New domains and suspicious pages are moderated; every page has a “Report” link.
- We do not store bank statements — only transactions matching your open invoices, for no longer than 30 days.
How does a custom domain work?
On the “Brand” plan and above you connect a subdomain such as pay.yourbrand.ua: add a CNAME record and a TXT record proving ownership. After the check the SSL certificate is issued automatically. Your main domain stays your website — we only connect subdomains. See the DNS guide (in Ukrainian).
How much does it cost? Is there a trial?
Free is free forever. Paid plans start at 99 UAH per month; a year costs 10 months. 14 days of “Brand” are free, no card required. The first 200 customers get −30% for 12 months.
Create your first payment link in 2 minutes
Free, no card required. Money goes straight to your account.