Pay by Bank in Slovenia for ecommerce and invoice orders
Connect bank-authorised payments to your online orders with Wallid. Compare the checkout with Flik and payment by pro forma invoice, explore the paying-account directory, and choose Shopify, WooCommerce or an API setup.
What Pay by Bank means for a Slovenian store
Pay by Bank uses open-banking payment initiation to connect a customer-authorised bank payment to a purchase. The buyer selects a bank and approves the prepared payment through banking; the payment result belongs to the order rather than a standalone transfer instruction.
For a Slovenian merchant, the practical comparison is with Flik, plačilo po predračunu — payment against a pro forma invoice — and other bank-transfer workflows. Compare the paying accounts your customers use, order confirmation, receiving-account arrangements and the full merchant fee.
Pay by Bank, Flik or payment by pro forma invoice?
| Option | Payment journey | Merchant consideration |
|---|---|---|
| Wallid Pay by Bank | The customer selects a bank and authorises a prepared account payment associated with the order. | Supported paying accounts, store integration, returned status and total costs. |
| Flik | A participating checkout uses the customer's Flik alias and a payment request approved through the relevant banking or Flik app. | Flik acceptance contract, customer reach, merchant tariff and platform workflow. |
| Plačilo po predračunu | The buyer pays the pro forma amount by transfer before fulfilment. | Correct reference, receipt matching, stock reservation and handling unpaid orders. |
| UPN QR payment instruction | A QR-coded payment order helps the buyer use prepared transfer details. | Payment execution and reconciliation remain separate from displaying the code. |
Flik is a distinct Slovenian payment service; adding Wallid does not add Flik acceptance. UPN QR is a payment-order format, not the same checkout product as either service. A customer paying from a banking app does not make all three methods interchangeable.
EUR fees for Slovenian orders
Wallid's standard EUR fee is 1% + €0.30 per successful payment. A successful refund is charged separately at 1% of the refunded amount + €0.30. 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 |
These examples show payment fees, not transaction limits. Compare the same order values, monthly volume and refund assumptions. A fixed-fee or capped alternative can cost less on larger orders; bank-authorised checkout does not automatically mean the lowest price. Higher-volume pricing can be discussed. See Wallid pricing.
For a €2,000 custom-furniture purchase, the standard fee is €20.30 before additional charges. A manual invoice transfer or a different provider may cost less. Compare that cost with the work of matching incoming payments, handling expired orders and supporting the customer's payment journey.
Moving from predračun instructions to bank-authorised checkout
If your store currently emails a pro forma invoice, define how the bank payment connects to that purchase before changing the checkout.
| Step | Payment workflow |
|---|---|
| 1 | Create the order with its amount and order or invoice reference. |
| 2 | Offer the appropriate bank-payment option for the buyer. |
| 3 | Let the customer approve the prepared payment in banking. |
| 4 | Associate the result with the order and apply your fulfilment rule. |
Keep the reference consistent between a quote, the order and payment. Distinguish a failed or abandoned attempt from a paid order so staff do not dispatch goods based only on the buyer returning to the website.
Takojšnja plačila and money available to your business
Takojšnja plačila means instant payments. SEPA Instant is a euro-transfer route; Pay by Bank is the checkout service used to initiate a payment. An eligible instant transfer can reach the receiving account within seconds, around the clock.
Your store still needs to distinguish authorisation, a payment-status update and receipt of money. This matters for an evening order or a weekend delivery: the fulfilment rule should follow the status your integration reports rather than the general promise of an instant banking experience.
Company approvals, high-value orders and B2B
For business purchasing, the employee placing an order may not be authorised to sign the company payment. An invoice reference, the relevant business banking channel and any additional approver belong in the planned flow.
At a €10,000 order value, the standard Wallid payment fee is €100.30 before applicable extras. These figures illustrate cost rather than a supported limit or a reason to classify the business as high-risk. A larger single order and a high monthly number of payments are separate pricing and operational questions.
For a trade portal, keep an accepted quotation and its payment status connected. A bank-authorised payment does not provide trade credit or replace the buyer's purchasing approval process.
Specialist and higher-risk retailers
For a specialist-equipment seller, supplement retailer or other higher-risk store serving Slovenian customers, assess bank payment against the actual product range and order workflow. It can provide an account-payment route alongside cards without turning every restricted product into an acceptable payment use case.
Use clear order references, an explicit fulfilment state and a workable refund process. The broader offering is described in Wallid for specialist and high-risk merchants.
Choose your integration
| Your setup | Payment workflow | Explore |
|---|---|---|
| Shopify store | Bank-authorised checkout linked to the purchase. | Pay by Bank for Shopify |
| WooCommerce store | Bank payment, order status and refund operations. | Pay by Bank for WooCommerce |
| Custom store or B2B portal | Payment sessions, status notifications and order or invoice references. | Wallid Payment API |
Bank-account connections in Slovenia
This payment-initiation directory contains the following bank-account channels. It is not a list of every bank in Slovenia. Personal and Business identify the paying-account types.
5 bank connections
BKS Bank
Personal · Business
Intesa Sanpaolo
Personal · Business
N26
Personal · Business
Revolut
Personal · Business
UniCredit Bank
Personal · Business
No matching bank connection found. Try another bank name or clear your filters.
Pay by Bank Slovenia FAQ
No. Flik has its own payment journey and merchant acceptance arrangements. Wallid provides a separate bank-authorised checkout; connecting it does not add Flik as a payment method.
Payment by pro forma invoice describes paying the requested amount before fulfilment, often through a manually initiated transfer. Pay by Bank can connect a prepared bank-payment journey and its result to the online purchase.
No. The code supplies payment-order information. Executing the transfer and reconciling money received are separate steps.
NLB and OTP are not included in this page's payment-initiation directory. Their services through other payment arrangements, including local methods, are separate from the channels listed here.
BKS Bank, Intesa Sanpaolo, N26, Revolut and UniCredit Bank are listed, each with Personal and Business account types.
Wallid offers both integrations and an API for custom stores. Use the integration that connects the bank-payment result to your order workflow.
The standard EUR payment fee is €20.30: 1% of €2,000 plus €0.30. Applicable VAT and platform fees are additional; successful refunds are charged separately.
No. Transfer execution, status reporting and your decision to release goods are different events. Use the integration's payment-state meanings in your fulfilment policy.
Plan the company signing process separately from the order. Product category, basket size and monthly payment volume affect different parts of the setup; larger value alone does not define a restricted business.
The standard refund fee is 1% of the refunded amount plus €0.30, separate from the original payment fee. Initiating a refund is distinct from the customer receiving it.
Onboarding for your Slovenia checkout
During onboarding, Wallid confirms merchant eligibility, bank-account availability and the payment setup, including currency, route, applicable limits and company signing requirements. Include your business activity, product range and expected payment volumes 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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