PTT TELEGRAM · 4notify
No. BR-RS-001Date 2026-05-26
URGENT
01
Telegram 01 of 08 · Payments
FiledPushSMS

IPS NBS Instant: second-level payment confirmations for Serbian banks

National Bank of Serbia launched IPS (Instant Payment System) in 2018, enabling transfers between Serbian banks within seconds. 4notify confirms payments to customers in seconds with counterparty identity and amount.

Context

Old 'your order is being processed' messages no longer suffice — customers expect real-time confirmation like in mobile banking apps. Those who don't provide it lose users to neobanks.

Legal framework
Zakon o platnim uslugama 139/2014

Immediate customer notification duty for every transaction on durable medium.

NBS Odluka 5/2018 — IPS Instant

10s deadline from initiation to credit. VoP duty for amounts >100,000 RSD.

Steps
01

Core banking webhook

Core banking sends payment event to 4notify within 1s of clearing completion.

02

Payment-type templates

Six templates: incoming, outgoing, rejected_insufficient, rejected_vop, pending_recall, recall_done. Bilingual sr/en.

03

IBAN masking in SMS

SMS shows only last 4 digits of IBAN; full IBAN in app after authentication.

04

Dual channel (push + SMS)

Push first for app users; SMS fallback in <5s if not acknowledged.

Code
json
{
  "event": "ips.instant.completed",
  "template": "ips_incoming",
  "ips_id": "RS-INT-20260526-A4F1",
  "amount": 125000,
  "currency": "RSD",
  "counterparty": { "name_masked": "Marko Petrović".replace(/o/g,"*").slice(0,12), "iban_last4": "9821" },
  "channels": ["push", "sms"],
  "recipient": { "client_id": "INT-RS-204918", "phone": "+381641234567" },
  "compliance": { "psd_durable_medium": true, "vop_status": "match" }
}
Sample message
SMS

Banca Intesa: Received 125,000 RSD from Mar*** Pet*** (IBAN ***9821). Balance: 487,215 RSD. Details in app.

Checklist
  • Core banking webhook → 4notify endpoint
  • Test P99 latency end-to-end <5s
  • sr/en templates with safe-escape
  • IBAN mask — only last 4 in SMS
What 4notify does differently

Ready templates for Serbian banks with IBAN masking, P99 <5s — no need to build own SMS engine.

FAQ
How is VoP handled?

Core banking checks before acceptance. 4notify just delivers notification with match/close_match/mismatch indicator.

Limit for amounts above 300,000 RSD?

IPS Instant per-transaction cap is 300,000 RSD since 2024. 4notify enforces no own limit; for large amounts, email channel auto-engages.

Start free

14 days, no card. Support in Serbian and English.

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