270K+
Users
€13M+
Annual volume
+30%
YOY growth
260K+
Transcations / year
2 Countries
Albania + Kosovo
Better for your business.
Lower fees
Up to 70% less cost compared to card payments.
Faster cash flow
Get paid instantly, and manage money better.
Happier customers
Quick, smooth and secure payments every time.
More sales
Easy checkout means more completed payments.
Accept payments directly.
No card terminal required.
Kuik QR lets your customers pay from any bank account, directly to yours, in seconds. Lower fees. Instant settlement. No chargebacks.
| CARD PAYMENT | KUIK QR PAYMENT | |
|---|---|---|
| Settlement speed | 1-2 business days | Seconds |
| Fee | 1.5-2.5% interchange + terminal fee | Lower than card - contact us |
| Chargeback risk | Yes | No (A2A push payment) |
| Terminal required | Yes (POS hardware) | No (QR code only) |
| Customer data exchanged | Card number, expiry, CVV | None - no card data |
| Funds credited | Next business day | Instantly, 24/7 |
| Refunds | Complex, bank-mediated | Direct, instant |
How merchant onboarding works
Register
Register your business through your Kulk partner bank. The process runs through your existing bank relationship.
Get your QR code
Receive your unique Kuik QR code - display it at POS, on your website, or in your app.
Customers scan & pay
Customers open their bank app, scan the QR code, and confirm. No additional hardware needed.
Funds arrive instantly
Money lands in your business account in seconds, 24/7 including weekends and public holidays.
Merchant onboarding is handled in partnership with bank partners.
Contact your bank or reach out to Kuik directly.
Get in touch
Partnership enquiries, technical questions, merchant onboarding, press, or general information.