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RoPay – Instant payments directly from Mobile Banking and Mobile Business

About RoPay 

UniCredit Bank has integrated RoPay functionalities into the Mobile Banking application for individuals and the Business Mobile application for companies, offering customers a new way to transfer in Lei, directly from the application using the mobile phone number or QR code.

Features available in the Mobile Banking and Business Mobile applications

 
Functionalities RoPay

Through the Business Mobile application, payment with RoPay Alias ​​can be made to a natural person, not to a company. Legal entity clients who want to make a payment to a company can use the payment via static QR code. The static QR code can be used to change the amount of the amount, before authorization, if it is not already predefined by the beneficiary.

Advantages of RoPay

 

Make payments or collect payments 24/7

It is free for individual customers

Transactions are secured

It's fast (you make payments and cash out instantly)

You only need your phone and your mobile app

For RoPay interbank payments made through Bussines Mobile, the same commission is applied as for standard interbank payments in lei, to which the TRANSFOND commission is added, according to the list Commissions and Interests, Taxes and Commissions, and General Bussiness Conditions

 

How do i use RoPay functionalities?

Payment by phone number - RoPay Alias ​​- from Mobile Banking and Business Mobiles

Send money simply, using the beneficiary's phone number if they are enrolled in the RoPay Alias ​​service.

To receive money through RoPay Alias, a functionality available only in Mobile Banking, you can enroll or add your phone number declared in the relationship with UniCredit Bank in the application from the "Settings" menu. After confirming the number and entering the security code received via SMS, you can Enroll / Modify / Delete the phone number from the RoPay Alias ​​database by entering the security elements related to payment authorization in the application.

From the "Payments" menu, select the "Remotely pay via Alias" option, you can select the payment beneficiary from your phone book or you can manually enter the phone number. After making sure that the payment summary is correct, the payment can be authorized.

The payment limit via RoPay Alias ​​and QR code payment is up to 50,000 lei.

Payment via QR code from Mobile Banking and Business Mobile

Through the mobile application, you can pay by scanning the QR code generated by the payment beneficiary, both from the "Payments" menu and from the "More" section on the pre-login screen. Select the "Pay with QR code" option, confirm the data and authorize the payment.

Generate QR code to withdraw money from Mobile Banking.           

Generating a QR code can only be done in Mobile Banking and is done from the Payments section, by selecting the option "QR code payment request". The amount can be preset or can be modified by the payer. After verifying the information, the request is signed by entering the security elements related to payment authorization in the application, and the QR code is displayed for scanning. Once scanned, the code automatically disappears to prevent reuse.

Useful informations:

  • RoPay payments are made only through the Mobile Banking and Business Mobile mobile applications. Payment through RoPay does not require entering bank details (IBAN, CVV card number).
  • List of banks enrolled in RoPay Participating institutions – RoPay
  • The QR code is generated and has a validity of 120 seconds to be scanned by a single payer

Questions and answers about RoPay

How does payment through the RoPay Alias ​​service work?
What is the transfer fee for individuals?
Which banks participate in this service?
Can RoPay be used for international payments?
Where can I find RoPay in the application?
What is the limit per transaction and when are payments processed?
Can I receive money if I am not enrolled in RoPay Alias?
Can I change the amount of money I want to cash out by scanning the QR code?
How do I enroll, change or delete my phone number in the RoPay Alias ​​service?
As a legal entity, can I collect money via RoPay Alias ​​or QR code?
What is the transfer fee for legal entities?
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