# Belarus — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/BY
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **ERIP** is the national unified payment system with QR support
- **Oplati** app enables QR payments and instant transfers
- **Belarusbank** dominates with ~44% market share
- **State ownership:** 65% of banking assets
- **Digital ruble** planned for late 2026

## Banking landscape

### Central Bank
- **Name:** National Bank of the Republic of Belarus (NBRB)
- **Website:** https://www.nbrb.by/
- **Role:** Monetary policy, ERIP oversight, BISS operator

### Major Banks (2024)

| Rank | Bank Name | Market Share | Owner |
|------|-----------|--------------|-------|
| 1 | Belarusbank | ~44% | State (98.76%) |
| 2 | Belagroprombank | ~20% | State |
| 3 | Belinvestbank | ~10% | State |
| 4 | Priorbank | ~6.6% | UAE investor (2024) |
| 5 | BPS-Sberbank | ~5% | Sberbank Russia |

### Market Structure
- **State Dominance:** 65% of assets in state banks
- **24 Banks Licensed:** As of 2024
- **Top 5 Control:** 80%+ of capital
- **Sanctions Impact:** Western banks exited

### 2024 Developments
- September 2024: Raiffeisen sold Priorbank to UAE investor
- Western sanctions limiting international operations
- Focus on domestic and Russian integration
- Digital payment expansion continues

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| BISS | NBRB | Real-time settlement | Active |
| ERIP | NBRB | Unified payment space | Active |
| Oplati | Belinvestbank | QR payments | Active |
| BELKART | Belkart JSC | Domestic card | Active |

### ERIP (Единое расчетное информационное пространство)
- **Launch:** 2008
- **Operator:** National Bank (NBRB)
- **Coverage:** 24 banks, 13,000 service points
- **Type:** Unified Settlement and Information Space

### ERIP Features
- Pay utilities, education, fines, taxes
- ATM, mobile banking, web payment
- QR code support
- iPay, Webmoney WMB integration

### BISS (Belarus Interbank Settlement System)
- Real-time gross settlement
- BYN transactions
- Central bank operated

---

## QR code standards

### ERIP QR Payments

| Attribute | Value |
|-----------|-------|
| **Standard** | ERIP QR |
| **Operator** | NBRB |
| **Coverage** | All 24 banks |
| **Type** | Bill payment, merchant |

### How ERIP QR Works
1. Merchant displays QR code
2. Customer scans with banking app
3. Payment details auto-filled
4. Confirm and complete
5. Real-time settlement

### Oplati (Оплати) App

| Attribute | Value |
|-----------|-------|
| **Operator** | Belinvestbank |
| **Type** | Mobile QR payments |
| **Features** | QR scan, P2P, transport |
| **Speed** | Instant |

### Oplati Features
- Scan QR at merchants
- Pay transport fares
- P2P money transfers via chat
- Free transfers between Oplati users
- Free transfers to other banks in BYN

### Other QR-Enabled Apps

| App | Bank | QR Features |
|-----|------|-------------|
| Prior Online | Priorbank | QR payments, phone transfers |
| M-Bank | MTBank | QR, virtual cards |
| Belarusbank | Belarusbank | QR support |
| Hutki Grosh | Aggregator | ERIP QR payments |

### Hutki Grosh
- Official ERIP aggregator since 2010
- Best payment app award 2023, 2024
- QR code payments
- Bill aggregation

---

## Mobile payment apps

| App Name | Bank | QR Payment | ERIP | P2P |
|----------|------|------------|------|-----|
| Oplati | Belinvestbank | Yes | Yes | Yes |
| Prior Online | Priorbank | Yes | Yes | Yes |
| M-Bank | MTBank | Yes | Yes | Yes |
| Belarusbank App | Belarusbank | Yes | Yes | Yes |
| Hutki Grosh | Aggregator | Yes | Yes | Limited |

### Digital Payment Growth
- High smartphone penetration
- Multiple QR payment options
- Interbank transfers available
- ERIP universal access

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [ERIP QR](https://docs.barcoder.ai/docs/payments/BY/erip-qr) | Payment QR | QR Code | Universal | [`erip-qr`](https://docs.barcoder.ai/docs/standards/erip-qr) |
| [Oplati](https://docs.barcoder.ai/docs/payments/BY/oplati) | Mobile QR | QR Code | Growing | [`oplati`](https://docs.barcoder.ai/docs/standards/oplati) |
| [BELKART](https://docs.barcoder.ai/docs/payments/BY/belkart) | Domestic card | Card | Common | — |

## Sources

- [Transfi - Belarus Payment Rails](https://www.transfi.com/blog/belarus-payment-rails-how-they-work---belkart-erip-digital-wallet-systems)
- [MyUniver - How to Pay in Belarus](https://myuniver.org/en/articles/kak-rasplachivatsya-v-belarusi)
- [MyUniver - Financial Apps 2024](https://myuniver.org/en/articles/kak-platit-smartfonom-v-belarusi-v-2024-obzor-finansovyh-prilozhenii)
- [MyUniver - ERIP Q&A](https://myuniver.org/en/articles/samoe-vazhnoe-o-erip-v-voprosah-i-otvetah)
- [Hutki Grosh - Google Play](https://play.google.com/store/apps/details?id=eu.alcosi.hutkigrosh)
- [bePaid - ERIP Integration](https://docs.bepaid.by/en/payment_methods/apms/erip/)
- [Spex.by - Electronic Money](https://spex.by/eng/news/electronic-money-in-belarus)
- [Wikipedia - List of Banks in Belarus](https://en.wikipedia.org/wiki/List_of_banks_in_Belarus)
- [Elevate Pay - Banks in Belarus](https://www.elevatepay.co/blog/banks-in-belarus)
- [Wikipedia - Priorbank](https://en.wikipedia.org/wiki/Priorbank)

## Full country report

[BY-belarus.md](https://docs.barcoder.ai/docs/payments/BY)