Instant payments processed through the Czech National Bank's CERTIS system accounted for 45.5% of all interbank credit transfers in March 2026. The CNB disclosed the figure in an April 13 press release examining digital payment adoption among small businesses. In December 2025, the instant share stood at 43%, with 2.03 million instant transactions executed daily on average.
Daily instant payment volumes have tripled since mid-2022, when the share was 21%. Year-on-year growth reached nearly 30% in the first half of 2025. Instant payment market coverage stood at 99% of Czech bank clients from April 9, 2025, after the final major bank completed integration.
QR code acceptance at physical points of sale remains limited, with only 20% of surveyed small businesses offering this payment method. Czech banks face an approaching regulatory deadline under EU Regulation 2024/886, requiring euro-denominated instant payment receiving capability by January 2027 and sending capability by July 2027.