Frequently Asked Questions

PayChat is a modern chatbot available on the Viber platform, which allows you to quickly, easily, and securely send and receive money through your existing mobile banking app. 🏦📲

🛠️ It is designed to simplify everyday financial transactions, without the need for additional installations or complex setups.

📲 All you need is:
• Access to your mobile banking app in order to make payments
• To be registered with your bank for the “Transfer” service in order to receive money from others

🔐 PayChat does not store your financial data nor process payments, but serves as a practical bridge between you and your bank (specifically: your mobile banking app).

👥 It is intended for everyone who wants to easily send or request money:
• among friends 👯‍♀️
• family members 👨‍👩‍👧‍👦
• or business partners 🤝

“Transfer” is a service within the instant payment system, available in the mobile banking apps of all banks in Serbia.
It allows you to receive money using your phone number — without the need to enter a bank account number.

💸 Sending money is possible for users of mobile banking apps.

✅ Receiving money requires a simple and free registration within your mobile banking app, which links your phone number to your bank account.

⚡ Transactions are completed in just a few seconds.

ℹ️ To receive money through PayChat, you need to be registered for the “Transfer” service with your bank.

You can do this in two ways:

1️⃣ During registration in PayChat
After choosing your bank, you will be offered registration for the “Transfer” service, so that you can register for this service in your mobile banking app.

2️⃣ Through the menu in the application
OPTIONS → OTHER OPTIONS ... → YOUR “TRANSFER” SERVICE

Here, at any time, you can:
• 🟢 register for the “Transfer” service
• 🔍 check the service status

✅ Yes. The maximum amount per single transaction is 300,000 RSD.

👉 If you try to send more than that, the transaction will not be instant — instead, it will be processed through regular banking channels (Clearing or RTGS), which takes longer.

📌 Daily and monthly limits are set by your bank – check them in your mobile banking app or with your bank’s customer service.

📱 Open the Viber application and in the search bar type PayChat, just like when you search for any message or conversation. 🔍

📨 Another way is to have one of your friends 👥 who already uses PayChat send you an invitation via Viber message. When you click on that link, PayChat will automatically open and you will be ready to use it — without additional searching.

🤝 You can also invite your friends to PayChat yourself by selecting the option from the bottom menu OPTIONS → SHARE PAYCHAT, after which you will get your contact list 📇 to choose the person you want to send the invitation to.

📌 When you add PayChat, by long-pressing on the chat you can:
• 📂 add it to a special category or folder (e.g. “PayChat”)
• 📍 or pin it so that it always stays at the top of your conversation list — making it quick and easy to access every time 👆

✅ Yes. Using the PayChat bot for individuals is completely free.

🏦 All obligations related to financial services (e.g. bank fees) remain in accordance with your existing agreement with your bank.

Yes, using PayChat is completely safe. ✅

PayChat never processes your payment, nor does it have access to your financial data. Everything stays with your bank. 🔒

When you select the PROCEED WITH PAYMENT option, PayChat automatically redirects you to your mobile banking app, where you enter or confirm the payment using your bank’s standard security measures (password, PIN, fingerprint, or face recognition). 👁️‍🗨️🧠

This way, the security and confidentiality of your data are fully preserved, since the entire payment takes place exclusively within your bank. 🏦

🗣️ Choose the language you want to use PayChat in.

Don’t worry, you can change the language at any time. 🌍

📄 Accept the Terms of Use with Privacy Policy and share your phone number with PayChat. ☑️

🏦 Select your bank through which you will send money – an important step because PayChat uses your mobile banking app for further requests.

🔁 If you haven’t already, at this step you can register for the “Transfer” service in your mobile banking app.

Once you register, you can receive money through the “Transfer” service and PayChat.

You can change the selected bank later if needed.

✅ After these steps – you are ready to use PayChat!

You can immediately start sending or receiving money. 💸

When communicating via the Viber platform, a user’s name 👤 and profile picture 📷 are not guaranteed to be available. The visibility of this information depends exclusively on the personal data and privacy settings 🔒 configured on the sender’s Viber account.

If the message sender 🚀 has restricted or disabled the sharing of personal data (including name and profile picture), Viber does not forward this information to bots or business accounts. In such cases, within the PayChat system 💬💳, a generic label “User” 👤 will be displayed instead of the sender’s actual name.

⚙️ Data availability settings — applicable exclusively to the message sender (Android and iOS):
Viber → Settings → Personal data
Enable the option Allow content personalization ✅

After changing this setting, restarting the Viber application 🔄 is recommended.

ℹ️ Note: Even when this option is enabled, Viber may, in accordance with its privacy and security policies 🛡️, temporarily limit or prevent the display of a user’s name and/or profile picture in certain situations.

1️⃣ Select the option from the bottom menu SEND MONEY.

2️⃣ Choose the person you are sending money to:
• you can find them among your Viber contacts by clicking ⨁, then Contacts
• or directly enter their phone number.

3️⃣ Enter the amount you want to send.

4️⃣ Optionally, add a short message with the request
(for example: for coffee, gift, etc.).

5️⃣ Click the PROCEED WITH PAYMENT button – your bank’s mobile banking app will automatically open with a prepared payment order.
Below the PROCEED WITH PAYMENT button, the logo of the currently selected bank through which you are sending money will always be displayed.

6️⃣ Confirm the transaction inside your mobile banking app using your standard security method (PIN, password, fingerprint) 🔐 and return to PayChat.

Yes, changing the bank in PayChat, through which you send money, is simple and completely flexible.

At any time you can:

1️⃣ From the bottom menu, select OPTIONS.

2️⃣ Then choose BANK FOR PAYMENT.

3️⃣ Finally, from the list provided, select the new bank whose mobile banking app you want to use to continue sending money from PayChat.

PayChat will remember your new choice and will use it for all your future requests to send money to others.
You can change the bank through which you send money as many times as you want. 🔁

There is no limit — you can change the bank in PayChat whenever you want. 🔁

It is very important to always choose the bank where you have an open account ⚠️ because only in that case can PayChat successfully forward requests to your mobile banking app. 💸

Yes. If you have active accounts with several different banks, one of those accounts is always set as the default account for receiving money through the “Transfer” service. 🔄

👉 If you want to change the bank where you receive money, you need to register again for the “Transfer” service in the mobile banking app of the new bank, after which you will receive money to your account at that bank.

You can also access this option in your mobile banking app directly from PayChat, through the menu:
OPTIONS → OTHER OPTIONS ... → YOUR “TRANSFER” SERVICE 🏦📲

📌 If you have an account registered for the “Transfer” service with only one bank, that account is automatically the default account for receiving money through the “Transfer” service.

1️⃣ Click the option from the bottom menu RECEIVE MONEY.

2️⃣ Choose a person from your Viber contacts by clicking ⨁ and Contacts,
or directly enter their phone number.

3️⃣ Enter the amount you want to request.

4️⃣ Optionally, write a message to accompany your request (for example: For a shared lunch).

5️⃣ Confirm sending the request by selecting the SEND A REQUEST TO RECEIVE MONEY button. ✅

📲 When the person accepts your request and makes the transfer, you will receive confirmation through your bank’s mobile banking app.

📩 If the person you are sending the request to is not yet a PayChat user, you need to send them an invitation to register using the option:
OPTIONS → SHARE PAYCHAT.

🆕 Once they register, they will automatically see your request and will be able to make the payment immediately. There is no need to resend the previously sent request.

Group requests allow you to easily request a payment from multiple people in the desired Viber group. 📲

There are two types of group requests:

• 💰 Group request with a fixed amount – when you define in advance the exact amount that each group member should pay

• ✏️💸 Group request with an arbitrary amount, so that each group member chooses how much they want to pay

📩 After you create a group request, PayChat generates a message with a deeplink, which you then forward to the desired Viber group.

👥 By clicking on the deeplink, group members open PayChat and continue through the appropriate flow, depending on whether they are already PayChat users or not.

🎉 Group requests are practical when you are collecting money for:
• a birthday gift 🎁
• a shared dinner 🍽️
• a trip 🧳
• a celebration 🥳
• a sports activity ⚽
• office organization 🏢
• or any other shared expense 🤝

Creating a group request in PayChat is simple. ✅

1️⃣ In the bottom menu, select the option RECEIVE MONEY.

2️⃣ Then click on GROUP REQUEST.

3️⃣ Enter the amount you want to request:
• if you enter an amount different from zero – a group request with a fixed amount will be created
• if you select ARBITRARY AMOUNT – a group request with an arbitrary amount will be created

4️⃣ After that, PayChat automatically generates a message with a deeplink. 📩

5️⃣ You then forward that message to the desired Viber group in the standard Viber way:
• press and hold the message a little longer
• select the Forward option
• then choose the group you want to send the request to

📌 When group members click the deeplink in the message, PayChat opens and they can continue with the appropriate flow for verifying the sender and accepting the payment request.

PayChat allows you to track the group requests you have created and view their overview. ✅

👉 You can access the list of your group requests through the menu:
OPTIONS → PAYMENT REQUESTS → SENT ... → GROUP

📂 In that list, you will see all the group requests you have previously created.

🔍 For each specific group request, you can open an additional overview by clicking the magnifying glass icon, where the request details are displayed, including:

• the number of accepted payments for that specific group request ✅
• the total potential amount from accepted requests 💰

ℹ️ This way, you can easily track how many people have accepted your group request, who accepted the request, the time of acceptance, and what the total potential amount recorded in the PayChat flow under that request is.

ℹ️ This verification exists for your security, to make sure that the payment request really comes from a person you know or from someone from whom you are expecting a payment request. 👤

When you receive a request, you need to check whether the sender’s phone number 📞 matches the person in your contact list.

👉 Click ⨁, find the same person in your contacts, and share the contact with PayChat.

✅ If the phone number matches, the request will be confirmed and you can continue to the payment. 💸

⚠️ If the sender’s phone number does not match the selected person from your contact list, you will be notified and you will not be able to accept the request and continue to payment through your mobile banking app.

In that case, you can:
• 🔁 repeat the verification
• 🚫 block the user
• ❌ reject the request

🔐 This verification method represents a unique additional layer of protection for users against phishing during the payment process, compared to other payment models available in our market.

In this way, you are additionally protected from possible misuse, impersonation, or accidentally accepting a request from an unknown person.

📥 Start the verification and request acceptance process by selecting the option START VERIFICATION AND ACCEPT THE REQUEST.

For your security, PayChat will ask you to verify whether the sender’s phone number 📞 matches the person in your contact list. Click ⨁, find the same person in your contacts, and share the contact with PayChat. If the phone number matches, the request will be accepted and you will be able to continue by selecting PROCEED WITH PAYMENT. 💸

PayChat will then redirect you to your mobile banking app so you can make the payment. ✅

Below the PROCEED WITH PAYMENT button, the logo of the currently selected bank through which you are sending money will always be displayed.

🔐 This verification method represents a unique additional layer of protection for users against phishing during the payment process.

❌ Reject the request by selecting the option REJECT REQUEST.

All rejected requests to send money to someone can be found through the menu OPTIONS → PAYMENT REQUESTS → RECEIVED ... → REJECTED. From the list of rejected requests, you can still execute a selected rejected request if you wish, by clicking the 💸 icon.

🚫 Block the person by selecting the option BLOCK USER.

Users you have blocked will no longer be able to send you requests to send them money while they remain on the blocked users list. You can access the blocked users list through the menu OPTIONS → OTHER OPTIONS ... → BLOCKED USERS. From this list, you can remove a user by clicking the ✅ icon, allowing them to send you money requests again.

↩️ You can always stop the payment process by selecting the BACK TO MAIN MENU button at the bottom of the screen.

✅ After you confirm the payment in your bank’s mobile banking app, you check the transaction status exclusively in that application.

🔒 PayChat serves only as a communication bridge and has no insight into your banking transactions, nor access to information about successful or unsuccessful transactions.

📱 If you want to verify whether the money was actually sent, always check the status directly in your mobile banking app.

Yes, PayChat allows you to view all the requests through which you initiated sending money to others.

👉 Select OPTIONS from the bottom menu, then INITIATED MONEY TRANSFERS.

By selecting INITIATED MONEY TRANSFERS, you will get a list of the most recent users to whom you have sent money, along with all the necessary information.
The list shows only the requests that you initiated.

Next to each request, there is a 🔁 icon that allows you to repeat the same request.

Yes, PayChat allows you to view all requests you have sent to others asking them to send money to you.

👉 Select OPTIONS from the bottom menu, then PAYMENT REQUESTS and finally the option SENT ... to enter the SENT REQUESTS menu.

📤 SENT
With this option, you get a list of all requests you have sent to others asking them to send you money. The list only shows requests that the other party has not yet responded to — either by accepting or declining.
Next to each request, there is a 🔁 icon that allows you to repeat the same request.

✅ ACCEPTED
With this option, you get a list of all requests you have sent to others that were accepted.
Whether the money was actually sent is checked in your mobile banking app.
Next to each request, there is a 🔁 icon that allows you to repeat the same request.

❌ REJECTED
With this option, you get a list of all requests you have sent to others that were rejected.
Next to each request, there is a 🔁 icon that allows you to repeat the same request.

👥 GROUP
This option gives you a list of all group requests you have created and possibly forwarded to Viber groups.
For each group request, you can open an additional overview by clicking the magnifying glass icon 🔍, where you can see the request details, including the number of accepted payments ✅ and the total potential amount of payments for that group request 💰.

Yes, PayChat allows you to view the money requests you have received from other users.

👉 Select OPTIONS from the bottom menu, then PAYMENT REQUESTS and finally the option RECEIVED ... to enter the RECEIVED REQUESTS menu.

⏲️ PENDING
With this option, you get a list of all requests you have received from others asking you to send them money, but you have not yet responded by accepting or declining. Next to each request, there is a 💸 icon that allows you to accept the selected request and start the procedure of sending money to the other party.

✅ ACCEPTED
With this option, you get a list of all requests you have received from others asking you to send them money, and you accepted them.
Whether the money was actually sent to the other party is checked in your mobile banking app.
Next to each request, there is a 🔁 icon that allows you to repeat the same request and start the procedure of sending money again.

❌ REJECTED
With this option, you get a list of all requests you have received from others asking you to send them money, but you rejected them.
Next to each request, there is a 🔁 icon that allows you to accept a previously rejected request and start the procedure of sending money to the other party.

Yes. In the bottom menu OPTIONS, select OTHER OPTIONS ..., then BLOCKED USERS 🚫👥

Here you can review all the users you have previously blocked.

🔓 At any time, you can unblock someone and allow that person to send you money requests again.

⚙️ This option gives you flexible control over the contacts you allow (or do not allow) to send you payment requests.

When you change your phone number, it’s necessary to complete these three steps in order to continue using PayChat without interruptions:

1️⃣ It is important to first notify your bank about the number change so that your accounts are linked to your current, new phone number. 🏦

2️⃣ Apply the Viber procedure to update your number so you can keep your full chat history 👉 (https://help.viber.com/hc/en-us/articles/8858610183581-Change-your-phone-number-on-Rakuten-Viber). 📲

3️⃣ In PayChat, using the option you can access this way: OTHER OPTIONS ... → CHANGE PHONE NUMBER, notify the PayChat bot that you are now using a new number. 🤖

✅ All of the above steps are necessary for PayChat to function properly for you, and therefore also for the “Transfer” service provided by your bank.

ℹ️ In rare cases, the bottom menu in the PayChat Viber bot may temporarily disappear.

This most commonly happens after changing phones, reinstalling the Viber app, or due to a temporary internet communication issue. 📲🔄

✅ The solution is simple:

Send any short message to the PayChat bot, for example:
Hello
or
Start

After that, the bottom menu should automatically appear again. 🔽✅