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Single Universal QR Code for Payments in Russia Starts September 1
Starting September 1, Russia will implement a single universal QR code for payments in stores and restaurants. The new system aims to reduce confusion at checkouts and consolidate payment options on one screen.
From September 1, Russia will introduce a single universal QR code for payments in stores and restaurants. This new system will replace the multiple QR codes from different banks with a single standard for payment processing.
State Duma deputy Dmitriy Svishchev stated that the system was established by federal law No. 248-FZ. According to Svishchev, the law was signed in July 2025 and the new regulation will operate through the National Payment Card System.
Different Codes at Checkout Will Be Unified
Currently, consumers have to look for their bank’s specific QR code at checkout to make payments. With the new system, only one code will be scanned, and the available payment options will be displayed on the bank’s app screen.
On this screen, users can choose from options such as the fast payment system, their bank’s share service, or digital ruble if supported. Svishchev noted that this will reduce confusion during payment.
Promotions and Discounts Will Remain
The deputy also assured that the universal QR code will not cause customers to lose their familiar bonuses and loyalty benefits. Cashback and similar programs offered by banks will continue to be valid during payments.
Svishchev emphasized that the main goal of the regulation is to increase competition in the payment market. Businesses will not be tied to a single provider, and banks will compete to attract customers through service quality.
Phased Implementation
The new requirement will be implemented gradually. From September 1, 2026, systemically important banks and large retail chains with annual turnover exceeding 120 million rubles will join the system.
On September 1, 2027, universally licensed banks and businesses with annual turnover over 30 million rubles will be included. By September 1, 2028, all banks and sellers with annual turnover exceeding 20 million rubles will be part of the system.
The law includes two exceptions: it will not be mandatory in areas without internet access and at sales points with annual turnover below 5 million rubles.
The new regulation aims to reduce the confusion caused by multiple QR codes at busy checkouts and unify the payment process under a single standard. This will create a more organized payment infrastructure for both customers and businesses.
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