---
title: "Mia instant payments expands for entrepreneurs via QR code"
url: https://moldova1.md/p/85363/mia-instant-payments-expands-for-entrepreneurs-via-qr-code
published: 2026-09-15T08:11:00Z
language: en
author: "Rodica Mazur"
section: "Economic"
source: moldova1.md
---

# Mia instant payments expands for entrepreneurs via QR code

> The MIA national instant payment system, developed by the National Bank of Moldova (NBM), is now expanding to the business sector. The new Business-to-Business (B2B) QR code feature allows companies to make immediate, low-cost transfers at any time through online banking applications. With this new option, funds are transferred instantly to the account, regardless of the time or day, ensuring uninterrupted transactions without delays from bank operating hours.

![](https://storage.moldova1.md/images/9c0bf473-50d4-4f98-a887-6ec86355732d.jpg)

The MIA national instant payment system, developed by the National Bank of Moldova (NBM), is now expanding to the business sector. The new Business-to-Business (B2B) QR code feature allows companies to make immediate, low-cost transfers at any time through online banking applications. With this new option, funds are transferred instantly to the account, regardless of the time or day, ensuring uninterrupted transactions without delays from bank operating hours.

According to the National Bank of Moldova (NBM), integrating new features enhances flexibility in the business environment, supports liquidity management, and boosts commercial operations.

*“The evolution of the MIA (Instant Payments) system accelerates capital flows for entrepreneurs and supports the digitalization of financial processes, reinforcing its role as a modern payment infrastructure. As a result, the Republic of Moldova is becoming an increasingly connected and inclusive country, capable of implementing secure and transparent financial solutions tailored to the real needs of citizens and the business community. Companies benefit from faster transactions, streamlined processes, and a significant competitive advantage,”* emphasizes NBM Governor Anca Dragu.

Since its launch in March 2024, the MIA Instant Payments national system has continued to evolve, expanding its services to accommodate new user categories and address a growing range of needs in daily life and business operations.

Initially supporting simple person-to-person transfers by phone number, the platform has evolved significantly. It now includes payments through QR codes, links, and payment requests; merchant payment acceptance (P2B); payments to public institutions (P2G); and, more recently, instant transfers between businesses (B2B).

Currently, over one million unique users are registered in the system and can receive transfers or payment requests through their phone numbers. Additionally, more than 12,000 businesses are connected to the network, providing over 24,000 payment acceptance points for MIA throughout the market.

Launched on March 12, 2024, the MIA Instant Payments platform has experienced rapid adoption, with nearly one million citizens—about one in two individuals with a bank account—utilizing it. In 2025, the system processed approximately 15 million transactions, with a total value exceeding 13.2 billion lei.