New Methods for Digital Payments / Account – to Account Transfers
With the aim of improving customer experience and providing modern payment methods, BKT offers digital solutions that enable the execution and acceptance of payments in a fast, secure manner and without the use of cash.These services focus on facilitating interaction with the end customer by offering simple payment processes, instant processing, and an improved experience across every channel.
QR Payment
With the aim of improving service quality for business clients and offering more modern and efficient solutions for managing collections, BKT has developed and launched the “QR Payment” service. This service is designed to modernize the way payments, traditionally made in cash, are collected from consumers and to significantly simplify businesses’ daily financial processes.QR Payment enables businesses to accept fund collections instantly through the BKT Smart application, eliminating the use of cash and improving operational efficiency.
The service is particularly suitable for businesses with a high volume of daily invoices and cash collections, as it offers automation, transparency, and real-time updates of collections.
If the business is integrated with its financial/ERP system (such as Financa 5, Profisc, etc.), the invoice status is automatically updated as “paid”, eliminating the need for manual entries by accountants.
Service Advantages
- Zero maintenance fee
- Zero installation fee charged by the bank
- No need for device purchase
- Lower commissions compared to POS payments
- Automation of the invoice collection process
- Immediate collection into the bank account
- Easier reconciliation and reduced manual errors
- Automatic update of invoice status in the financial/accounting system (ERP)
- Full transparency and traceability of transactions
QR Payment is available to businesses through:
- BKT Smart Business
- Internet Branch for Businesses
- BKT Branches, in cases where assistance from BKT staff is needed for service activation and configuration
This service is ideal for:
- Businesses with a high volume of daily collections, such as cafés, bars, restaurants, supermarkets etc.
- Entities that wish to eliminate cash payments
- Businesses that require direct bank–ERP integration and real-time reporting
How to accept QR Payments from Internet Branch for Businesses?
For the steps to accept invoice payments, click the link:
How to accept invoice payments through BKT Smart?
Smart Click
Smart Click is an account‑to‑account payment service that enables businesses to accept payments from customers quickly and securely through a payment button integrated into the merchant’s official application or website.This functionality creates a simple and efficient way to make online payments, allowing individual customers to click the payment button and be automatically redirected to the BKT Smart application, where they can complete the payment instantly.
The “Smart Click” service is ideal for merchants that operate online (owning an application or official website where they offer products/services) and are looking for a simple, fast, and efficient way to accept payments without the need for complex integrations.
Service Advantages
- Zero maintenance fee
- Zero installation fee charged by the bank
- No need for device purchase
- Lower commissions compared to card payments
- Simple and fast integration
- Reduced errors and operational costs
- Improved customer experience
The service is activated upon request by the business, which can:
- Submit the request at the nearest branch
- Or contact the Contact Center at: Tel: +355 42 266 288 or Email: callcenter@bkt.com.al
Smart Scan
Smart Scan is an account‑to‑account payment service that enables businesses to accept payments from individual customers quickly and securely by scanning a QR code displayed on their website.This functionality creates a simple and efficient way to make cashless payments, without the need for cards or e‑commerce services, allowing individual customers to scan the QR code through their banking application and complete the payment instantly.
The “Smart Scan” service is ideal for merchants that operate online (owning an official website where they offer products/services) and are looking for a simple, fast, and efficient way to accept payments through their website.
Service Advantages
- Zero maintenance fee
- Zero installation fee charged by the bank
- No need to purchase devices
- Lower commissions compared to card payments
- Simple and fast integration
- Reduced errors and operational costs
- Improved customer experience
The service is activated upon request by the business, which can:
- Submit the request at the nearest bank branch
- Or contact the Contact Center at: Tel: +355 42 266 288 or Email: callcenter@bkt.com.al
Services Integrated with Financial/Accounting Platforms
With the aim of increasing operational efficiency and automating financial processes, BKT offers services that enable direct integration between the bank and a business’s financial/accounting systems.These solutions help reduce manual processes, ensure automatic data updates, and improve overall financial control.
Account Pulse
Account Pulse is a functionality that enables businesses to receive detailed information on debit and credit transactions carried out on their business accounts. The data is transmitted directly to the financial platform, eliminating manual processes and increasing efficiency in day‑to‑day financial management.The service enables the exchange of data for all debit and credit activities on the business account from BKT to the business’s financial/accounting (ERP) system, creating a continuous, secure, and fully automated process for updating and reconciling financial records.
The “Account Pulse” service is ideal for businesses that use financial/accounting (ERP) systems and aim to automate the retrieval of bank data, ensuring up‑to‑date information and more efficient financial management.
Service Advantages
- Automation of financial processes – Eliminates manual data entry, saving time and resources.
- Faster and more accurate reconciliation – Automatic synchronization of debit/credit transactions reduces errors and speeds up reconciliation processes.
- Ongoing transparency and control – Updated access to account movements and balances through the financial platform.
- Direct integration with existing systems – Works without changing business workflows, through integration with financial software such as Profisc and Financa 5.
- Security and full access control – Activated only by authorized users, ensuring secure data exchange.
- More informed decision‑making – Up‑to‑date data helps businesses better manage liquidity, payments, and financial planning.
Activation is carried out through the dedicated third‑party integration menu in the Internet Branch for Businesses. The service can be activated by users of the Internet Branch for Businesses who are assigned to the BEB Supervisor role and have administrative rights over the business accounts.
The Account Pulse service is easily activated by authorized users (BEB Supervisors) after logging into the Internet Branch for Businesses platform, where they can:
- Select the service provider (such as Profisc or Financa 5).
- Specify the accounts for which they want to activate the service.
- Define the provider’s subscription plan.
- Authorize secure access for the financial platform to retrieve data.
For the steps to activate the service, click the link:
How to activate the Account Pulse service in the Internet Branch for Businesses?
Direct Invoices
Direct Invoice is a digital service dedicated to BKT business clients that enables the automated payment of fiscalized invoices through the integration of the business’s financial/accounting (ERP) systems with the Internet Branch for Businesses.Through Direct Invoice, businesses prepare fiscalized invoices in their financial system (e.g., Profisc) and automatically send them to BKT’s system for payment. The authorized user in the Internet Branch simply logs into the platform, reviews the invoices, and approves them for payment with a single action.
Direct Invoice is ideal for businesses that make frequent invoice payments and seek higher levels of automation, control, and efficiency in financial management.
Service Advantages
- Elimination of manual invoice data entry
- Reduction of errors and optimization of accounting processes
- Easier matching of invoices with payments
- Fast and secure payment of fiscalized invoices
- Full transparency and traceability of all actions
- The business prepares fiscalized invoices in its ERP system.
- The invoices are automatically sent to BKT through the integration.
- The business user reviews the invoices in the Internet Branch.
- Payment is executed after approval by the authorized user.
How to activate the Direct Invoice service from the Internet Branch for Businesses?
For the steps to execute Direct Invoice payments, click the link:
How to make payments for Direct Invoices in the Internet branch for Businesses?
Express Salary
Express Salary is a digital service designed for BKT business clients that simplifies and automates the payroll payment process through a direct connection between the business’s financial/ERP systems and the Internet Branch for Businesses.Through this service, businesses prepare and manage payroll lists in their financial platform (e.g., Profisc), which are automatically transmitted to BKT for processing. Once sent, payroll lists are immediately displayed in the Internet Branch for approval, where an authorized user can review and approve them in a simple and secure manner.
Express Salary is ideal for businesses with a significant number of employees that require a fast, secure, and controlled process for payroll payments.
Service Advantages
- Full automation of the salary processing workflow
- Elimination of manual salary list entry into the bank system
- Reduction of errors and savings in operational time
- Control and transparency prior to salary execution
- Full traceability of all actions
- The business prepares the salary list in its financial system.
- The salary list is automatically sent to BKT through integration.
- The business user reviews the payment details in the Internet Branch.
- Salary payments are executed after approval by the authorized user.
How to activate the Express Salary service from the Internet Branch for Businesses?