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Create an NBS IPS QR code for a Serbian dinar payment

Generate a Serbian IPS QR payload with 18-digit account, recipient, RSD amount, payment code, purpose, payer and optional reference.

  • National Bank of Serbia format
  • RSD amount with decimal comma
  • 18-digit receiving account

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Why use NBS IPS QR instead of asking the payer to type everything?

Serbian account, payment code, purpose and reference fields are easy to place in the wrong boxes. IPS QR labels each value so a compatible banking app can prepare the transfer.

Carry structured Serbian fields

Account, payment code and reference retain their separate meanings.

Prepare exact RSD

The payload uses the required RSD value with a decimal comma.

Reduce payment-order entry

A compatible mobile-banking app fills the transfer form from one scan.

Inside the QR code

What is stored in a NBS IPS QR payment symbol?

NBS IPS uses pipe-separated key-value elements beginning K:PR, V:01 and C:1. Required tags identify the account, recipient, RSD amount, payment code and purpose.

R contains an 18-digit account

Enter digits only, including any leading zeros required by the Serbian account format.

I begins with RSD

The amount uses a comma as its decimal separator inside the payload.

SF is the three-digit payment code

Choose the code appropriate to the transaction; the generator checks form, not legal suitability.

S describes the purpose

Keep the purpose clear and within the supported length.

RO carries an optional reference

Copy the reference exactly from the invoice or payment instruction.

IPS payload example

Account 845000000040484987 · RSD 3596.13 · code 189 — K:PR|V:01|C:1|R:845000000040484987|N:Example|I:RSD3596,13|SF:189|S:Payment — A compatible Serbian banking app opens a prepared RSD payment order.

Check before publishing

  • Enter exactly 18 account digits.
  • Use a positive RSD amount.
  • Check the three-digit payment code.
  • Keep pipe and colon characters out of free text.
  • Copy the invoice reference exactly.
  • Validate with the NBS tool or compatible Serbian banking apps.

Checks to make before publishing a NBS IPS QR code

A valid tag structure cannot determine whether a payment code or reference is correct for your transaction.

Use the current payment instruction

Copy account, code and reference from the bill.

Check decimal placement

Compare the RSD amount after scanning.

Write a recognizable purpose

Use a concise description of the goods, service or invoice.

Keep optional payer data accurate

Do not use placeholder names on a real payment request.

Validate before distribution

Test the payload and scan it in the target banking apps.

Features

Features

Scheme-specific validation

Account identifiers, amount formats, references and field lengths are checked for the selected payment standard.

Generated locally

The payment payload and barcode are created in the browser; the generator does not move money or register an account.

PNG and SVG exports

Download a raster image for everyday use or a scalable vector for invoices and high-quality print.

Protected fixed formats

Standards with prescribed rendering disable incompatible color, logo, shape and error-correction controls.

Optional payment context

Where the scheme permits it, prepare an amount, reference, due date or message to reduce payer entry.

Verification remains visible

The workflow reminds the payer to compare the beneficiary and amount in a compatible banking app.

Advantages & Limitations

Advantages

  • Open NBS validation guidance.
  • Structured domestic payment fields.
  • Exact RSD amount.
  • Reduces account and reference typing.

Limitations

  • Focused on Serbian payment apps.
  • Payment-code meaning is the user's responsibility.
  • Does not validate recipient ownership.
  • Does not confirm settlement.

How NBS IPS QR works

Create, scan and verify a NBS IPS QR payment

Serbian account, payment code, purpose and reference fields are easy to place in the wrong boxes. IPS QR labels each value so a compatible banking app can prepare the transfer.

Enter account and recipient

Use the 18-digit Serbian account and full recipient.

Add RSD payment details

Set amount, code, purpose and optional reference.

Validate and scan

Compare every field in a compatible Serbian banking app.

Use cases

Use cases

Serbian invoices

Populate the domestic payment order.

Utility payments

Carry account, code and reference.

Public fees

Reduce manual entry of formal payment instructions.

E-commerce transfers

Show a prepared RSD payment after checkout.

Frequently asked questions

Why must the account contain 18 digits?

That is the form required in an IPS payment payload.

Why does the payload show a decimal comma?

The IPS amount field uses RSD followed by a comma-decimal value.

Does the generator choose a payment code?

No. Enter the code specified by the biller or applicable payment instruction.

Can I validate the code?

Use the official NBS validation service and the target banking apps.

Create a NBS IPS QR payment code

Build the IPS instruction, validate its fields and compare the result in a Serbian banking app.

Create an IPS QR code