Od 1. m\u00e1ja 2026 mus\u00ed ka\u017ed\u00fd obchodn\u00edk na Slovensku prij\u00edma\u0165 elektronick\u00e9 platby, \u010di u\u017e prostredn\u00edctvom platobn\u00e9ho termin\u00e1lu, QR k\u00f3du, alebo in\u00e9ho bezhotovostn\u00e9ho rie\u0161enia.<\/p>\n
Cedule s n\u00e1pisom \u201eplatba kartou nie je mo\u017en\u00e1\u201c by sa tak mali z prev\u00e1dzok postupne strati\u0165. Z\u00e1kon ponech\u00e1va podnikate\u013eom vo\u013enos\u0165 pri v\u00fdbere konkr\u00e9tnej technol\u00f3gie. Z\u00e1kazn\u00edk v\u0161ak bude ma\u0165 pr\u00e1vo zaplati\u0165 bezhotovostne v ka\u017edom type prev\u00e1dzky. Ve\u013ek\u00e9 potraviny, mal\u00fd bufet aj verejn\u00e9 toalety.<\/p>\n
\u0160tart posunuli o 2 mesiace<\/p>\n
Pr\u00edpravy na zavedenie novej povinnosti za\u010dali e\u0161te v janu\u00e1ri, ke\u010f sa spustila testovacia f\u00e1za pre podnikate\u013eov. Po\u010das nej si prev\u00e1dzky m\u00f4\u017eu overi\u0165 funk\u010dnos\u0165 zvolen\u00e9ho rie\u0161enia, odladi\u0165 procesy a vy\u0161koli\u0165 zamestnancov. Cie\u013eom je, aby bol prechod plynul\u00fd a obchodn\u00edci nest\u00e1li pred probl\u00e9mom na posledn\u00fa chv\u00ed\u013eu.<\/p>\n
\u0160t\u00e1t za nesplnenie povinnosti avizoval pokuty. Ich v\u00fd\u0161ka by pod\u013ea dostupn\u00fdch inform\u00e1ci\u00ed mohla by\u0165 pre niektor\u00e9 men\u0161ie prev\u00e1dzky likvida\u010dn\u00e1.<\/p>\n
N\u00e1klady pre mal\u00e9 prev\u00e1dzky<\/p>\n
Stabiln\u00e9 internetov\u00e9 pripojenie, moderniz\u00e1cia pokladni\u010dn\u00e9ho syst\u00e9mu a pravideln\u00e9 poplatky za spracovanie elektronick\u00fdch transakci\u00ed pre mal\u00e9 prev\u00e1dzky predstavuj\u00fa nov\u00e9 v\u00fddavky. Mal\u00fd bufet na vidieku alebo rodinn\u00e1 kr\u010dma v men\u0161om meste s nimi doteraz nepo\u010d\u00edtali, po novom sa im v\u0161ak nevyhne nikto, a to bez oh\u013eadu na obrat \u010di ve\u013ekos\u0165 prev\u00e1dzky.<\/p>\n
Marek Harbu\u013e\u00e1k z Asoci\u00e1cie hotelov a re\u0161taur\u00e1ci\u00ed Slovenska pripom\u00edna, \u017ee v\u00e4\u010d\u0161ina re\u0161taur\u00e1ci\u00ed pre\u0161la na termin\u00e1ly u\u017e pred rokmi. Gastrosektor ako celok preto nov\u00fa povinnos\u0165 nevn\u00edma ako z\u00e1sadn\u00fa zmenu. Harbu\u013e\u00e1k v\u0161ak z\u00e1rove\u0148 upozor\u0148uje, \u017ee finan\u010dn\u00fd dopad poc\u00edtia predov\u0161etk\u00fdm mal\u00e9 prev\u00e1dzky v regi\u00f3noch s n\u00edzkymi obratmi, kde ka\u017ed\u00fd pravideln\u00fd poplatok navy\u0161e zav\u00e1\u017ei.<\/p>\n
Transak\u010dn\u00e1 da\u0148 ako protisila<\/p>\n
Pand\u00e9mia nau\u010dila Slov\u00e1kov plati\u0165 mobilmi a kartami vo v\u00fdrazne v\u00e4\u010d\u0161ej miere ne\u017e predt\u00fdm. Ned\u00e1vno zaveden\u00e1 transak\u010dn\u00e1 da\u0148 v\u0161ak m\u00f4\u017ee \u010das\u0165 podnikate\u013eov paradoxne tla\u010di\u0165 sp\u00e4\u0165 k hotovosti. Pod\u013ea da\u0148ov\u00fdch expertov existuje riziko, \u017ee pri pocite nadmern\u00e9ho za\u0165a\u017eenia sa zv\u00fd\u0161i snaha syst\u00e9m obch\u00e1dza\u0165 a realizova\u0165 platby mimo z\u00e1znamu.<\/p>\n
Efektivita cel\u00e9ho opatrenia tak bude z\u00e1visie\u0165 od toho, nako\u013eko \u0161t\u00e1t dok\u00e1\u017ee podnikate\u013eov motivova\u0165 k transparentnosti, a nie ich od nej odr\u00e1dza\u0165 \u010fal\u0161\u00edmi poplatkami. Samotn\u00e1 z\u00e1konn\u00e1 povinnos\u0165 bez premyslenej da\u0148ovej politiky nemus\u00ed prinies\u0165 o\u010dak\u00e1van\u00fd v\u00fdsledok v podobe vy\u0161\u0161\u00edch priznan\u00fdch tr\u017eieb. Z\u00e1kon je jedna vec. Re\u00e1lne spr\u00e1vanie podnikate\u013eov druh\u00e1.<\/p>\n
Pr\u00eds\u013eub vy\u0161\u0161\u00edch tr\u017eieb<\/p>\n
Experti z oblasti finan\u010dn\u00fdch technol\u00f3gi\u00ed a v\u00fdrobcovia platobn\u00fdch rie\u0161en\u00ed uv\u00e1dzaj\u00fa, \u017ee podniky akceptuj\u00face karty m\u00f4\u017eu zaznamena\u0165 n\u00e1rast tr\u017eieb a\u017e o 30 percent. Spotrebitelia pri bezhotovostnom platen\u00ed zvy\u010dajne m\u00ed\u0148aj\u00fa viac, preto\u017ee psychologick\u00e1 bari\u00e9ra v\u00fddavku je pri karte alebo mobile ni\u017e\u0161ia ne\u017e pri odovzd\u00e1van\u00ed fyzick\u00fdch bankoviek. <\/p>\n
Aj men\u0161ie prev\u00e1dzky by tak z povinn\u00e9ho prij\u00edmania elektronick\u00fdch platieb mohli v kone\u010dnom d\u00f4sledku profitova\u0165, ak sa im podar\u00ed udr\u017ea\u0165 transak\u010dn\u00e9 n\u00e1klady na zvl\u00e1dnute\u013enej \u00farovni.<\/p>\n
Z\u00e1kon v\u00fdslovne umo\u017e\u0148uje splni\u0165 povinnos\u0165 aj prostredn\u00edctvom QR k\u00f3du. Pre najmen\u0161ie prev\u00e1dzky to m\u00f4\u017ee by\u0165 finan\u010dne najdostupnej\u0161ia cesta, preto\u017ee nevy\u017eaduje n\u00e1kup fyzick\u00e9ho platobn\u00e9ho termin\u00e1lu. Sta\u010d\u00ed vytla\u010den\u00fd k\u00f3d a smartf\u00f3n s pripojen\u00edm na internet. Podnikate\u013e si tak m\u00f4\u017ee vybra\u0165 medzi klasick\u00fdm termin\u00e1lom, mobiln\u00fdm platobn\u00fdm zariaden\u00edm alebo pr\u00e1ve QR rie\u0161en\u00edm, pod\u013ea toho, \u010do najlep\u0161ie vyhovuje jeho prev\u00e1dzke a rozpo\u010dtu.<\/p>\n","protected":false},"excerpt":{"rendered":"Od 1. m\u00e1ja 2026 mus\u00ed ka\u017ed\u00fd obchodn\u00edk na Slovensku prij\u00edma\u0165 elektronick\u00e9 platby, \u010di u\u017e prostredn\u00edctvom platobn\u00e9ho termin\u00e1lu, QR…\n","protected":false},"author":2,"featured_media":52185,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[15376,228,330,6405,43,40,44,39,42,45,41,5021],"class_list":{"0":"post-52184","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-slovensko","8":"tag-bezhotovostne-platby","9":"tag-peniaze","10":"tag-pokuta","11":"tag-qr-kod","12":"tag-sk","13":"tag-slovak","14":"tag-slovak-republic","15":"tag-slovakia","16":"tag-slovencina","17":"tag-slovenska-republika","18":"tag-slovensko","19":"tag-stat"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116457599369329021","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/52184","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=52184"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/52184\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/52185"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=52184"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=52184"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=52184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}