# CERTIS Instant

> Source: https://docs.barcoder.ai/docs/standards/certis-instant
> extracted at 2026-10-06
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Overview

**CERTIS Instant** (Czech Real-Time Integrated Settlement) is the Czech National Bank's (CNB) instant payment rail. It provides <3-second settlement for payments initiated via the Czech banking system. CERTIS Instant handles approximately 45% of all Czech Republic bank transfers and operates 24/7/365. It underpins **QR Platba** (the Czech national QR payment standard) and is interoperable with the EU's **SEPA Instant Credit Transfer (SCT Inst)** scheme.

## Cross-references

- [QR Platba](https://docs.barcoder.ai/docs/standards/qr-platba) — Czech national QR payment standard built on CERTIS Instant.
- [SEPA Instant](../sepa-instant/) — EU instant payment scheme; CERTIS Instant is fully compliant.
- [Czech Republic payments](https://docs.barcoder.ai/docs/payments/CZ) — full Czech Republic payments landscape.

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **CZ** — [CZ-czech-republic.md](https://docs.barcoder.ai/docs/payments/CZ)