Accepting Flik as a merchant
Flik is the Slovenian service for instant payments between bank accounts. Depending on their bank, shoppers pay with the Flik Pay app, a mobile wallet or their bank's own app: they tap the phone on a POS terminal, scan a Flik QR code or enter their phone number at an online checkout. flik.si lists twelve Slovenian banks and savings banks, and several participating banks state that Flik is free for the user. For the merchant the money is on the business account within seconds, around the clock. Flik reaches merchants only through Slovenian banks, as an extra option on the card terminal and as an extension of the card integration online, and that is where its cost and its constraints sit.
Published prices for FlikPer provider, country and channel, further down this pageGo to the pricesHow to accept Flik as a merchant
A merchant contracts Flik with a Slovenian bank. flik.si describes the steps: you apply for activation, the bank arranges everything and you sign the contract, and the bank switches Flik on for your POS terminal, your web shop or the Flik POS app. Most POS terminals already support Flik and the bank activates it remotely. Online, flik.si states that it is usually an extension of an existing card payment integration.
Without a POS terminal, the merchant installs the Flik POS app on a phone or tablet, or generates a static Flik QR code. UniCredit describes the app route: the advisor sends the documentation for signature, the merchant receives an activation code with the contract and registers the app with the company tax number. Delavska hranilnica states that its Flik POS and online offer carries no fixed monthly costs and no connection costs.
Rails
Flik is an instant credit transfer, not a card payment
A Flik payment moves money from the shopper's bank account to the merchant's. flik.si states that the payment arrives in real time and that the funds are on the merchant's account as soon as the customer confirms, 24 hours a day, including when banks are closed. Bankart, the Slovenian processor wholly owned by banks, runs the interbank execution of instant payments under the SEPA schemes, and its payment gateway lists Flik next to Visa, Mastercard, Maestro and Diners.
No card scheme, issuer or acquirer in the card sense sits in that chain, so there is no interchange and no scheme fee to pass through. A payment fails when the shopper does not confirm the request in their app, or when it exceeds the limit for instant payments that the shopper has set with their own bank. Gorenjska banka and NLB both describe such a limit, which the user can set, change or remove.
Where Flik is used
Flik is a Slovenian method in euro, for customers of the participating Slovenian banks. OTP banka, for example, states that the service is for holders of its personal account. In store, NLB points shoppers to points of sale marked with the Flik sticker; online, UniCredit describes Flik as enabling instant payments at selected merchants in the shop or on the web.
Every provider in the index is a Slovenian bank or savings bank offering Flik to merchants established in Slovenia, and none of the international acquirers in the index carries it. A group selling to Slovenian shoppers from an entity elsewhere should therefore first establish whether a Slovenian bank will contract Flik on that entity at all.
Pricing
No bank publishes a Flik transaction price
None of the four banks in the index publishes a transaction fee for Flik. Delavska hranilnica states that there are no fixed monthly costs and no connection costs for Flik POS and Flik online payments, and says nothing about a fee per payment. The NLB tariff extract for business accounts valid from 1 August 2026 contains no Flik line. The price is set in your agreement with the bank.
That makes the structure of the quote the thing to read. Take an illustrative 1 million euro of Flik volume at an average payment of 25 euro, which is 40,000 payments a year. Each 0.10 percentage point in the quoted rate costs 1,000 euro a year. A fixed fee of 0.05 euro per payment costs 2,000 euro a year, the same as 0.20% on that basket.
The example is illustrative and no bank publishes these rates: your quoted rate decides what you actually pay. On small baskets a fixed element weighs more than the percentage, so ask for the quote in both components and calculate it on your own average payment.
Acquiring
Flik is tied to the bank's card acceptance, so moving acquiring has a price
Flik appears on the bank's POS terminal as an additional payment option, and online it extends the bank's card integration. A retailer that moves its Slovenian card acquiring to a pan-European acquirer therefore takes a decision about Flik as well, because no international acquirer in the index offers it.
Put the two figures side by side. On an illustrative 20 million euro of card volume in Slovenia, a quote 0.10 percentage point lower saves 20,000 euro a year. Against that stands the Flik volume in your shops and in your web shop. To keep it, you keep a contract with a Slovenian bank, either on its terminal or through the Flik POS app on a separate device at each point of sale. To drop it, you accept that those shoppers have to pay another way. Decide on your own Flik volume, not on the card saving alone.
Contract
Flik sits on the card terminal, so give it its own line in the contract
UniCredit states that it prepares reports on Flik transactions in the same way as reports on card payments, and on the terminal Flik is one more option next to the cards. That has a contractual side: a Flik fee can be included in a card package or a terminal agreement without a line of its own.
Put three things in writing. First, the Flik transaction fee as a line of its own, separate from the card rates and from any package. Second, how a refund is executed and from which account: Delavska hranilnica describes an immediate Flik refund when an online order is cancelled, while the published POS pages say nothing about refunds. Third, the reference on each payment that you match against your bank statement, since the funds arrive one payment at a time.
The 50 euro threshold at the point of sale is set by the shopper's bank
OTP banka states that a user can make a single NFC payment of up to 50 euro without logging in to its mobile wallet, with a limit of five consecutive payments without login totalling 50 euro. Gorenjska banka states that a transaction above 50 euro must additionally be confirmed in the app.
For a merchant this means that baskets above 50 euro, and a run of small ones, require an extra step on the shopper's phone at the point of sale. The rule belongs to the shopper's bank, can differ from bank to bank and is not something your contract changes. Measure Flik failures at the point of sale separately for payments above and below 50 euro, and brief your staff on the confirmation step.
Which payment providers support Flik
In the index, Delavska hranilnica, Gorenjska banka, NLB and UniCredit offer Flik to merchants established in Slovenia. flik.si lists twelve banks and savings banks through which a business can activate Flik, among them Addiko, Intesa Sanpaolo, OTP banka and Sparkasse.
The questions to put to each are the same: the Flik fee as a separate line, whether it is tied to a card package or a terminal, how refunds are executed in store and online, and the reference you reconcile against.
Retail Payment Methods Transparency Index
Published prices for Flik, per provider
4 providers in the index offer Flik to merchants established in Europe, and none of them publishes a price.
Each rate is shown as the provider prints it, and the provider's name links to the page it was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.
The country where your business is established and from which you sell. Shoppers pay with Flik in: Slovenia.
| Provider | Per transaction | Channel |
|---|---|---|
| Delavska hranilnica Merchants in Slovenia | No price published | In-store |
| Gorenjska banka Merchants in Slovenia | No price published | In-store |
| NLB Merchants in Slovenia | No price published | Online |
| NLB Merchants in Slovenia | No price published | In-store |
| UniCredit Merchants in Slovenia | No price published | In-store |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 22 September 2026 and 12 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
Reviewing what Flik costs you
What you pay for Flik is set in your agreement with your Slovenian bank, not by a scheme. Start by establishing whether you are overpaying your PSP, and where Flik carries a material share of your Slovenian takings, price it as a line of its own before you renew or move your card acquiring.
Relevant markets: Slovenia
Payment set-up check
Selling in Slovenia? Let's check whether Flik reaches you at the right price.
Enter your webshop. The check sets your checkout against what shoppers in each of your markets expect, and names the gaps. If you want, it then calculates what those gaps cost you in euros.
Ramon Helwegen
