Frequently Asked Questions

RoPay is an instant mobile payment service, allowing transfers from one bank account to another.

RoPay enables users to make payments and receive money instantly through mobile banking apps. Payments are made between bank accounts, which can be opened at different banks or at the same bank.

To use RoPay, you must have your bank’s mobile banking app installed, and it must offer the RoPay service. Depending on how your bank has integrated the functionality, RoPay may appear in the Payments menu or the Accounts menu, may have a dedicated icon, may display a QR symbol for scanning QR codes, or may be presented as the options “Pay a friend”, “Request money”, “Generate QR code”, or “Pay with phone number”.

The full list of partner banks can be found on the official RoPay website, https://www.ropay.ro/institutii-participante/

With RoPay, you can instantly:

• Pay a friend by scanning the QR code they generate. Open your mobile banking app, access RoPay, and select the "Scan RoPay QR" option.
• Pay or request money from a friend using their mobile phone number, selected within the RoPay service (available in your mobile banking app)
• Pay at a POS terminal by scanning the RoPay QR code (generated by the store) or using NFC.
• Pay at an online store by scanning a RoPay QR code displayed on the payment/billing page after selecting RoPay as the payment method.
• Pay on an online platform using your phone by selecting your bank and logging in your mobile banking app.
• Pay at a market or any small vendor by scanning the RoPay QR code they display. You can enter the amount owed and pay instantly or pay a fixed amount shown by the vendor.
• Pay a service provider using RoPay at upon service completion(e.g., payment to a plumber, electrician, etc.).
• Receive money by generating a QR code and having it scanned by the person who wants to send you money. To do this, open your mobile banking app, access RoPay, and select the "Generate RoPay QR Code" option.
• Pay for a bus ticket by scanning a RoPay QR code (found in the bus) using the RoPay feature in your mobile banking app.
• Pay your utility bill by scanning the RoPay QR code displayed on the bill.
• Pay the courier if the courier company has implemented the RoPay service.

In RoPay, each phone number can be linked to only one account**. If you want to connect your phone number to a different account (from another bank), open the mobile app of the bank where that account is held and select the RoPay option there.

Yes, RoPay is developed with the highest security standards, ensuring the protection of your data and transactions. Transactions are processed through mobile banking apps and benefit from all the security measures of interbank (or intrabank) transactions implemented by the banks.

Currently, RoPay is only available for payments within Romania. The service allows instant transactions between accounts held at different banks in Romania or at the same bank.

For individuals, using RoPay is free of charge.

Yes, RoPay can be used to pay bills. Bill-issuing companies can integrate RoPay and include a QR code on the bill, which consumers can scan to make a direct account-to-account payment.

If a RoPay transaction fails, you will receive a notification in your mobile banking app. Please check the transaction details and try again. If the issue persists, contact your bank's support service.

Merchants that accept RoPay payments display a RoPay QR code at the point of sale or on their website. If you choose RoPay as the payment method, a RoPay QR code will appear on the POS terminal for you to scan and pay through RoPay (accessible via your mobile banking app).

You can also ask the merchant directly.

Yes, RoPay allows instant payments between individuals.

You can generate a QR code in your mobile banking app, and the recipient can scan and pay it instantly. You can also send money to someone who is not nearby by using their mobile phone number (selected through RoPay in your mobile banking app).

RoPay offers several advantages that make it an attractive payment option:

• Speed: Transactions are instant, meaning the money reaches its destination immediately.
• Security: RoPay uses advanced security technologies to protect your data and transactions, all executed within the banking system.
• Free for individuals: There are no costs associated with using the service for individuals.
• Simplicity: You can make payments by simply scanning a QR code, without needing to enter banking details. You can also use the recipient's mobile phone number instead of their IBAN, selected through RoPay in your mobile banking app, or pay contactless with your mobile at POS terminals.
• Interoperability: RoPay will be offered by many banks and merchants, making payments easy in a wide variety of situations.

You can check your transaction history in the mobile banking app of the partner bank through which you use RoPay.

Immediately contact your bank to report the transaction and take additional security measures.

Yes, RoPay is available non-stop, allowing you to make and receive payments anytime, regardless of the day or time.

Currently, RoPay only supports payments in Romanian Lei (RON).

Yes, RoPay is compatible with all smartphones that can download the mobile banking app.

Maximum limits for RoPay payments are set by each bank. If no specific limits are set by the bank, the default limits are 49,999 RON for payments between individuals and 99,999 RON for ecommerce and POS payments.

No, currently RoPay only supports payments in Romanian Lei (RON).

• All RoPay payments are INSTANT, even between accounts at different banks.
• 24/7 availability for all RoPay payments.
• National interoperability: RoPay was developed to ensure standardization and interoperability between multiple banks, payment processors, and merchants in Romania.
• Free for individuals: Unlike other services that may charge fees, RoPay is free for individual users.
• Simple to use: Every transaction is completed by scanning a QR code or using the recipient's mobile phone number, eliminating the need to manually enter banking details.
• Enhanced security: RoPay uses advanced encryption technologies and strict security measures to protect users' transactions and data.

• Immediately contact your bank to report the transaction and work with them to identify solutions for resolving the issue.