AllSecure, IPS QR, COD: which payment method to choose

Vondi supports three payment methods: card via AllSecure, IPS QR (NBS NBS Pay), and cash on delivery (COD). Each has its strengths and weaknesses. This article walks through them in plain terms — no marketing fluff.

Overview at a glance

Card (AllSecure)

How it works

At checkout the buyer enters card number, expiry date and CVV. Vondi forwards the data to the AllSecure processor (PCI DSS Level 1 certified). AllSecure redirects the buyer to a 3-D Secure check at their bank — the buyer confirms with a code, biometrics or push notification. If everything checks out, the transaction is approved and the seller receives the money.

Important: Vondi does not store card number, CVV or expiry. All of that stays with the certified processor. Vondi only stores a *token* — an anonymous identifier that lets buyers re-purchase without re-entering the card.

Banks supported by AllSecure

AllSecure accepts cards from all major Serbian banks: Banca Intesa, NLB Komercijalna banka, OTP, Raiffeisen, ProCredit, AIK, ALTA Bank, and others. Foreign cards (Visa, Mastercard) work without issues.

DinaCard works too, with one specific limit: DinaCard maximum per transaction is 200,000 RSD (NBS regulation). For larger amounts use Visa/Mastercard or IPS QR.

Fees

• For the buyer: 0 RSD. You pay exactly the price shown in the cart.
• For the seller: AllSecure charges a merchant fee (typically 1.5-2.5% per transaction). The seller pays it, not the buyer.

Speed and refunds

• Authorisation: instant (1-3 seconds).
• Settlement to the seller: 1-3 business days.
• Refund on withdrawal: at most 14 days from receipt of the withdrawal statement (Art. 34 ZZP). Technically, the refund to the card takes 3-7 business days from when the procedure starts.

Plus and minus

Plus:

• Fastest — purchase in seconds.
• Best protection — 3-D Secure, chargeback procedure.
• Option to save card (token) for next time.

Minus:

• Requires a card and SMS/push confirmation.
• DinaCard limit of 200,000 RSD per transaction.
• Refund isn't instant (3-7 business days).

IPS QR (NBS NBS Pay)

How it works

NBS NBS Pay is the National Bank of Serbia's standard for instant payments. On Vondi the buyer receives a QR code (or NFC link), scans it in their bank's app, confirms amount and recipient, and the funds move instantly — directly between the buyer's and the seller's bank.

Banks that support IPS

All Serbian banks participating in IPS, which is most of them in practice: Banca Intesa, Raiffeisen, NLB Komercijalna, OTP, ProCredit, AIK, Erste, ALTA, Eurobank Direktna, and others. The list keeps growing — check your banking app for "QR payment" or "IPS QR".

Fees

• For the buyer: 0 RSD in almost all banks. A few have token charges for business clients (up to 50 RSD).
• For the seller: PaySpot (Vondi's IPS provider) usually charges a small flat fee per transaction (around 30-60 RSD), which is often much less than the percentage AllSecure fee for small amounts.

Speed

• Payment: instant (seconds).
• Money on the seller's account: instant — IPS guarantees 24/7/365 transfer in at most 5 seconds (NBS rule).

Refund on withdrawal

Slightly trickier than card: the seller has to send the money back via a transfer order. So the seller initiates the refund, the seller's bank sends, and the money lands within minutes to days depending on the bank.

Legally it makes no difference: the 14-day rule of Art. 34 ZZP applies to IPS payments too.

Plus and minus

Plus:

• Instant — both buyer and seller get confirmation right away.
• Lower seller costs (better for small amounts).
• No 3-D Secure step — you confirm everything inside your banking app.

Minus:

• Requires active mobile banking.
• Fewer banks compared to card.
• Refund depends on seller initiative (no chargeback equivalent).

Cash on Delivery (COD)

How it works

The buyer chooses "COD" at checkout. The seller hands the goods to a courier. On pickup, the buyer pays the courier in cash or by card (depending on the courier) — the courier collects from the buyer, sends funds to the seller, and takes a fee.

Couriers that support COD

• Pošta Srbije Post Express — cash or card (courier POS terminal).
• Paketomat (Pošta Srbije) — POS terminal at the locker location, you pay by card.

Fees

• For the buyer: the courier COD fee is usually 80-200 RSD (depends on weight and COD amount). Paid to the courier on pickup; visible on the airway bill.
• For the seller: double fee — both for shipment (the seller covers initial dispatch) and the courier's COD service.

Speed

• Dispatch: 1-2 days after the order.
• Delivery: 1-3 business days.
• Payment: at parcel pickup.
• Settlement to the seller: 5-15 business days after delivery (courier collects, aggregates, pays out).

Refund on withdrawal

The most complex of the three. Since money never went through a bank/card, the seller has to refund to your account. So:

• You return the goods with a withdrawal statement.
• The seller receives the parcel, checks the state.
• Refunds to your account (number you provided in the form).
• The 14-day rule of Art. 34 ZZP applies here too.

Plus and minus

Plus:

• Highest perceived security for the buyer — pay only when you have the parcel.
• No card or mobile banking required.
• Useful for first-time buys from a new seller.

Minus:

• Slowest — settlement to the seller takes weeks.
• Most expensive for both buyer and seller (courier fee).
• Real risk for the seller of buyer rejection — losing dispatch and COD fees.
• Not possible for digital goods or services.

What to choose — quick recommendation

When to choose card (AllSecure)

• Standard purchases up to 200,000 RSD (DinaCard) or unlimited (Visa/Mastercard).
• Buying from desktop, or when you'd rather not open a banking app.
• You've saved a card as a token — purchase clears in 5 seconds.

When to choose IPS QR

• Buying from your phone with active mobile banking.
• Large amount (over 200,000 RSD) and you'd like to skip Visa/Mastercard fees.
• You want instant transfer with no 3-D Secure step.

When to choose COD

• First purchase from a seller — you want extra reassurance.
• No card or mobile banking.
• You're willing to pay an extra courier fee for psychological certainty.

Security notes

All three methods are supervised by the National Bank of Serbia and comply with the Payment Services Act:

• AllSecure — PCI DSS Level 1 (highest in the industry).
• PaySpot (IPS) — registered NBS payment provider.
• Pošta Srbije Post Express — state operator, regulated by ZoT.

Vondi itself never touches your money — it only orchestrates the flow between buyer, payment processor, seller and courier. All three channels are separated, so a compromise of one doesn't affect another.

For more on security and the 3-D Secure flow, see the buyer's guide.

Conclusion

There is no single "best" payment method — it depends on the situation:

• Card is the most universal.
• IPS QR is cheapest for the seller and fastest for money in the account.
• COD offers psychological certainty but costs more and takes longer.

Vondi supports all three for the same reason: different buyers prefer different channels and have different devices. Our job is to give you all the safe options; you choose what suits you.

If you have a specific question about fees or which bank works best, write to support@mail.vondi.rs or check the tariffs page.