Pay by Bank in Slovakia for online stores and B2B orders
Let customers pay for Slovak online orders through their bank with Wallid. Choose Shopify, WooCommerce or a custom API integration, and connect the payment result to the order or invoice your team needs to fulfil.
What is Pay by Bank for a Slovak merchant?
Pay by Bank uses open-banking payment initiation to connect a bank-authorised account payment to checkout. The customer selects their bank and approves a prepared payment through banking. Your store associates the returned result with the purchase, rather than relying on an email or screenshot saying that a transfer was sent.
A Slovak merchant searching for a platobná brána is choosing a payment gateway. Pay by Bank is an account-payment option to assess within that decision. It is distinct from a bank-specific payment button, BLIK acceptance and a manual bankový prevod.
Pay by Bank, TatraPay, BLIK or a manual transfer?
| Payment option | Customer journey | What to compare for your store |
|---|---|---|
| Wallid Pay by Bank | Select a bank and authorise the prepared order payment through banking. | Paying accounts, store integration, payment results and the full acceptance fee. |
| TatraPay | A Tatra banka customer approves the purchase through the bank's service. | Its payer-bank reach, merchant-account requirement and service agreement. |
| VÚB ePlatby / Sporopay | Use the relevant bank's checkout flow; these are separate bank-branded products. | VÚB ePlatby and Slovenská sporiteľňa's Sporopay have their own arrangements and status handling. |
| BLIK | Use the participating bank app and approve the BLIK purchase at a supporting merchant. | Specific BLIK acceptance, participating accounts and the merchant provider's tariff. |
| Manual bank transfer | Enter the merchant's IBAN, amount and reference in banking. | Sending-bank charges, reference errors, receipt matching and unpaid-order handling. |
TatraPay, VÚB ePlatby, Sporopay and BLIK are comparison options here. Connecting Wallid does not itself add acceptance of those named services. Compare the actual buyer journey and merchant contract instead of treating every approval in a banking app as the same payment method.
EUR fees for Slovak checkout payments
Wallid's standard EUR payment fee is 1% + €0.30 per successful payment. Successful refunds are charged separately at the same rate. Applicable VAT and platform fees are additional; Shopify third-party transaction fees may also apply.
| Order value | Calculation | Standard payment fee |
|---|---|---|
| €100 | €1.00 + €0.30 | €1.30 |
| €2,000 | €20.00 + €0.30 | €20.30 |
| €10,000 | €100.00 + €0.30 | €100.30 |
For a €2,000 equipment order, compare €20.30 with the complete quoted cost of a bank button, another payment provider or a manual transfer. Include refunds and platform charges, plus the work of matching receipts. A low-cost manual transfer may cost less in fees; an integrated payment journey should also be assessed on how the store and finance team use its result. Higher-volume terms can be discussed. See Wallid pricing.
A payment journey for equipment and trade orders
A customer buying professional tools may place the order themselves while a finance colleague makes the company payment. Keep the amount, invoice number and payment reference consistent between the store, buyer and person authorising the transfer.
| Step | Payment workflow |
|---|---|
| 1 | Create the order or invoice with its EUR amount and reference. |
| 2 | The buyer selects Pay by Bank and authorises the prepared payment through their bank. |
| 3 | Associate the returned payment result with that order. |
| 4 | Apply the fulfilment rule for the reported status and reconcile the receipt. |
If the customer leaves banking before finishing, keep the order distinguishable from a paid purchase. A repeated attempt should remain understandable to support staff. A browser return or transfer screenshot is not, by itself, proof that money has reached the receiving account.
Okamžité platby: instant transfer and order status
Okamžité platby means instant payments. SEPA Instant can move eligible euro transfers within seconds, around the clock. Pay by Bank describes payment initiation at checkout; it does not mean every attempt uses the same transfer route or makes merchant funds immediately available.
For dispatch, separate the customer's approval, the payment result supplied by your integration and money received. For a larger purchase, payer-bank controls and customer limits can still matter.
Business accounts, larger invoices and payment volumes
A business buyer may use a different bank login from a personal customer. A person able to view the company account may not be authorised to approve a €10,000 invoice; another signatory or internal approval may be involved.
Use the relevant business channel and agree how the buyer's approval process fits the purchase. Bank-authorised collection does not provide trade credit, instalment financing or automatic support for every multi-signature arrangement. The €2,000 and €10,000 examples are cost illustrations, not minimum orders or promised limits.
For recurring wholesale trade, compare the total monthly acceptance cost using payment count, collected value and average invoice size. Volume alone does not remove the need for a clear payment reference and fulfilment rule.
Specialist and higher-risk merchants
For a specialist retailer or higher-risk business serving Slovak customers, the useful comparison is how a bank-authorised payment fits the sale: a defined order amount, a traceable reference, a payment result and a workable refund process. Explore Wallid Pay by Bank for specialist and high-risk merchants for the broader use case.
Choose your integration
| Your setup | What to connect | Explore |
|---|---|---|
| Shopify store | Bank-authorised checkout and the payment result associated with the order. | Pay by Bank for Shopify |
| WooCommerce store | The bank-payment journey, order status and refund operations. | Pay by Bank for WooCommerce |
| Custom checkout or B2B portal | Payment sessions, status notifications and order or invoice references. | Wallid Payment API |
Bank-account connections in Slovakia
Explore bank-account connections for customers paying in Slovakia. Account types distinguish Personal and Business accounts.
12 bank connections
Fio Banka
Personal · Business
ING Wholesale Banking (InsideBusiness)
Business
mBank
Personal · Business
N26
Personal · Business
Prima banka Slovensko
Personal · Business
Raiffeisen
Personal · Business
Revolut
Personal · Business
Slovenská sporiteľňa
Personal · Business
Tatra Banka
Personal · Business
UniCredit Bank
Personal · Business
VUB
Personal · Business
ČSOB (KBC)
Personal · Business
No matching bank connection found. Try another bank name or clear your filters.
Pay by Bank Slovakia FAQ
It is a bank-payment option for checkout. With Wallid, choose the Shopify, WooCommerce or API integration for the store's payment journey and order-status handling.
No. TatraPay is Tatra banka's service. Wallid's open-banking checkout is a separate proposition with its own account connections and merchant integration.
No. BLIK is a distinct payment method requiring its own merchant acceptance arrangement. An account-payment integration should not be presented as BLIK merely because the buyer approves a purchase in a bank app.
A bank-authorised checkout prepares the payment details for the buyer to approve. A manual transfer instead asks the buyer to enter or copy the merchant's details and reference in banking.
At 1% + €0.30, a successful €2,000 payment costs €20.30 before applicable VAT and platform fees. Successful refunds are charged separately.
No. Compare the actual bank and provider prices at the same order value. Also consider how the store matches receipts and handles orders waiting for payment.
Use the meaning of the reported payment state and your fulfilment policy; customer authorisation alone does not establish receipt of funds.
Bank payment can collect an invoice amount and associate the result with its reference. Company-account permissions, signatories and payment limits affect the buyer's approval journey.
No unlimited amount is promised. Instant-transfer capability is not a guarantee that every account, customer or checkout can authorise any invoice value.
Refunds can be initiated through the Wallid Merchant Portal. A refund request and a completed return of funds are different events; successful EUR refunds are charged separately at 1% + €0.30.
Onboarding for your Slovakia checkout
During onboarding, Wallid confirms merchant eligibility, bank-account availability and the payment setup, including currency, route and business-account signing requirements. Include your business activity and product range for a specialist or regulated store.
Add Pay by Bank to your checkout
See how Wallid can fit your store, order values and payment volumes.
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