Short Payment Descriptor
 | |
| Filename extension |
.spayd |
|---|---|
| Internet media type |
application/x-shortpaymentdescriptor |
| Free format? | Yes |
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"Short Payment Descriptor" (SPAYD) is a compact data format for an easy exchange of a payment information using modern electronic channels, such as smart phones or NFC devices. Format is applicable within the European union. Deployment to other countries outside EU is limited by attributes that are specific for the European payments (such as account identification using the IBAN number). Practically, the format is being deployed in the Czech Republic (where the format is an accepted unique standard for QR code payments) and Slovak Republic.
History
The format was started in May 2012 during the development of the mobile banking for Raiffeisenbank a.s. (Czech branch of Raiffeisen BANK International) in cooperation with a technology company Inmite s.r.o.. Originally, the format should have been used for a person-to-person payments via the QR Code. Later, it was generalized for many other usages, such as NFC payments or online payments.
Format was started as an opened effort from the very beginning and all specification, documentation, source codes, libraries and APIs were [[OpenSource|open-sourced] under the Apache 2.0 license. Therefore, Short Payment Descriptor can be implemented by any subject without any legal concerns or fees. Due to this approach, the format was quickly recognized and accepted by many Czech invoice software companies and adopted by Czech banks. Československá obchodní banka (together with Zentity s.r.o.) was very active during the format development and it proposed the brand name for the communication to the users.
On November 14, 2012, the format was accepted by the Czech Banking Association and submitted to all Czech banks as the official local standard for QR payments.
Format information
Short Payment Descriptor uses the ideas from the vCard (by the structure) a SEPA payment (semantics). It is designed to be compact, human readable and therefore, easy to implement. The format can be extended by proprietary attributes (using the "X-" prefix).
Example of SPAYD payload:
SPD*1.0*ACC:CZ5855000000001265098001*AM:480.50*CC:CZK*MSG:Payment for the goods
The file type extension is:
*.spayd.
MIME type of the format is:
application/x-shortpaymentdescriptor.
Examples of format usage:
- QR Codes with payment information (to be printed on invoices or displayed on the web) that can be scanned using either the mobile phone or a special ATM machine
- sending the payment information using the NFC technology
- sharing the payment information via the web or e-mail (via a downloadable file or and e-mail attachment)