When you fill in the message for the recipient, QR Payminder puts it into the QR code as the MSG field. QR Platba follows the SPD (Short Payment Descriptor) standard of the Czech Banking Association — and it sets two limits for the message:
- 60 characters at most. Banking apps would trim or reject a longer text when reading the code. That's why we show an "X/60 characters" counter next to the message — and when you don't fit, we only shorten the description, never installment numbers or amounts.
- No accented characters. The standard does allow newer encodings, but older banking apps can't handle diacritics. "Nájem červenec" therefore leaves in the QR code as "Najem cervenec" — automatically, you don't have to think about it.
- No asterisk or percent sign. In the standard, the asterisk separates the individual QR code fields and the percent sign introduces special encoding — if they slipped into the message, banking apps would misread the code. We strip them automatically, along with emoji and other characters outside the safe set.
What placeholders are for
You can put placeholders into the message that get filled in for each payment separately: {mm} and {yyyy} (or the short {yy}) for the due month and year, {vs} for the variable symbol, and for installments {cislo_splatky} (installment number), {celkem_splatek} (total installments) and {zbyva} (remaining). The template najem {mm}/{yyyy} thus generates "najem 01/2027" for a January payment — no manual retyping every month; the shorter najem {mm}/{yy} saves two characters when you're squeezing into the 60-character limit.
That way the recipient can tell at a glance from their statement what arrived — and you can tell from your history what you sent and when.