If you have a connected contact, you can delegate a payment to them directly: tick the "Delegated payment" section right at the top of the new payment form — it highlights yellow as a reminder the payment is created for the contact, not you — and pick their name. Everything else works exactly like creating a payment for yourself (including importing the details from a QR code or an invoice).
One mechanism covers two different intents — the only difference is whose bank account you put into the payment:
- Preparing a payment (typically accountant → client): you fill in a third party as the recipient — the tax office, a supplier, an insurer. The client then simply pays what you would otherwise have e-mailed them.
- A payment request ("send me money", typically between friends): you fill in your own account as the recipient and the amount the other person owes you — say the settle-up for a weekend cabin. When they pay it, the money arrives straight to you.
Three ways to share a payment
- Prepare a payment — create a new payment directly for the other person (the "Delegated payment" section in the form). Right when the payment only exists because of them (an accountant's invoice, a settle-up request).
- Delegate a payment — hand an existing payment over from its detail ("Share with a contact → Delegate payment"). It's still one accounting case, it just changed hands: it leaves your queue, but on its detail you keep seeing who took it over and whether they've paid. If the other side declines it, it comes back to your queue. Typically: you imported the invoice for a shared stay, but agreed your friend would pay it.
- Send a copy — the other person receives a copy of the payment as a draft while your original stays untouched ("Share with a contact → Send a copy"). Two separate accounting cases — you each pay your own 500 CZK to the charity. The other side adjusts the copy (variable symbol, amount) before approving.
A personal note for the recipient
Every share can carry a personal note — both with a delegated payment in the form and when handing over/copying from the detail. Unlike the QR message (60-char limit, goes to the bank), this note lives only in the app, may be longer (up to 1000 characters) and is visible only to the recipient: next to the approval buttons and on the payment detail. Typically: "For the cottage — thanks for booking it!".
What you see as the sender
- After sending, you'll find the payment in the delegated payments overview (Sharing → "Delegated payments"). You see the description, amount, due date and the status: awaiting approval, waiting to be paid, paid, declined. For a delegated payment the overview links through to its read-only detail.
- Nothing more — once sent, the payment belongs to the other side. You can't edit it, withdraw it or nudge them; if something needs changing, agree on it and send it again (the other side declines the original request).
What happens on the other side
That depends on the trust mode the other side set for you: either the payment drops straight into their queue, or (the default) it arrives as a request awaiting approval — they review it and approve or decline. The details are described in Payments from your accountant and friends.
The small print
- For now you can prepare one-off payments only (not recurring or installment plans) — that covers invoices and settle-ups; for a repeated request, simply send it again.
- You pick the client's source account when the client has shared it with you (they tick which of their accounts you may see) — then you prepare the payment straight "from their business account". Once the contact shares at least one account, the choice is required; without sharing, no account is picked and the client assigns theirs later.
- If the other side has blocked you, they simply won't appear in the contact picker.