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Create a Slovak PAY by square payment code

Encode a Slovak EUR payment with beneficiary, IBAN, amount, variable symbol, due date and note in the PAY by square format.

  • Slovak payment format
  • Compressed binary payload
  • Variable symbol and due date

Learn more

Why use PAY by square instead of asking the payer to type everything?

PAY by square moves Slovak invoice data into a compatible bank app without retyping IBAN, amount and variable symbol. Unlike plain-text formats, its payload is compressed and Base32hex encoded.

Prepare complete Slovak payment data

Keep beneficiary, IBAN, EUR and invoice identifiers together.

Reduce variable-symbol errors

The reference is scanned directly from the invoice.

Use the format familiar to Slovak apps

Compatible mobile-banking apps can decode the PAY by square symbol.

Inside the QR code

What is stored in a PAY by square payment symbol?

PAY by square serializes structured payment data, adds CRC32, compresses it with LZMA and encodes the result with Base32hex. It is not interchangeable with Czech SPAYD.

The payload is binary-derived

The visible characters are a transport encoding of compressed structured data, not editable key-value text.

A Slovak IBAN is required here

Use an SK IBAN belonging to the intended beneficiary.

EUR amount must be positive

The selected payment order carries a fixed amount.

Variable symbol remains numeric

Use up to ten digits from the Slovak invoice.

Compression does not provide authenticity

CRC and encoding detect corruption but do not verify the beneficiary.

PAY by square payload example

SK IBAN · EUR 123.45 · VS 987654 — 000...BASE32HEX-COMPRESSED-PAYMENT-DATA — A compatible Slovak banking app decodes a prepared EUR payment order.

Check before publishing

  • Use a valid SK IBAN.
  • Enter a positive EUR amount.
  • Keep variable symbol numeric and at most ten digits.
  • Select a real due date.
  • Test the generated symbol in supported Slovak bank apps.
  • Verify beneficiary and account before approval.

Checks to make before publishing a PAY by square code

Because the payload is not human-readable, visual testing and comparison inside the banking app are essential.

Source fields from the invoice

Copy beneficiary, IBAN, amount and variable symbol.

Keep the note short

Essential invoice identity belongs in the structured variable symbol.

Use the exact due date

Do not confuse issue date and payment due date.

Avoid manual payload editing

Any character change can corrupt the compressed data.

Test supported apps

Confirm every decoded field before distribution.

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

  • Carries rich Slovak payment data.
  • Compresses payload efficiently.
  • Supports invoice identifiers.
  • Reduces manual transfer entry.

Limitations

  • Not human-readable.
  • Requires compatible Slovak apps.
  • More complex than SPAYD.
  • Cannot confirm account ownership or settlement.

How PAY by square works

Create, scan and verify a PAY by square payment

PAY by square moves Slovak invoice data into a compatible bank app without retyping IBAN, amount and variable symbol. Unlike plain-text formats, its payload is compressed and Base32hex encoded.

Enter Slovak payment data

Provide beneficiary, SK IBAN and EUR amount.

Add invoice identifiers

Set variable symbol, due date and note.

Decode-test the result

Use a compatible bank app and compare all fields.

Use cases

Use cases

Slovak invoices

Place a scannable payment order on the invoice.

Utilities

Carry amount, variable symbol and due date.

E-commerce

Offer a bank-transfer option on order confirmation.

Membership fees

Reduce reference entry errors.

Frequently asked questions

Is PAY by square the same as SPAYD?

No. PAY by square is a compressed Slovak format; SPAYD is a readable key-value descriptor.

Why can I not read the payload?

It is serialized, CRC-protected, compressed and Base32hex encoded.

Can I omit the amount?

This generator creates a fixed EUR payment order and requires an amount.

Does the code prove the beneficiary?

No. Verify details displayed by the banking app.

Create a PAY by square payment code

Encode the Slovak payment order and verify every decoded field in a compatible banking app.

Create a PAY by square code