Qerko
QR pay-at-table, ordering and loyalty with its own payment licence
Qerko lets guests pay, split the bill and tip from their phone by scanning a QR code on the table, with the payment pushed straight into the restaurant's POS. It has added QR ordering, a tablet order point, reservations, loyalty and a consumer 'gastro guide' app that drives discovery. The company holds a Czech National Bank payment-institution licence and processed more than 4 million payments in 2024 across the Czech Republic, Slovakia and Hungary.
Our reading. Best for restaurants in the Czech Republic, Slovakia and Hungary that want pay-at-table with automatic POS closing and access to an existing base of 1.5 million app users.
Strengths
- Deep POS integrations with the main Czech systems (Storyous, Dotykačka and others) so bills close automatically
- Licensed payment institution, which allows passporting across the EU/EEA
- Consumer app with 1.5 million users gives restaurants a discovery and loyalty channel
Limits
- Fees are not public and depend on volume
- Presence limited to Central Europe; language and support outside CZ/SK/HU are thin
- Guest app adoption matters: value is highest where Qerko is already widely used
Launched 2019; about 1,600 restaurants in CZ, SK and HU with roughly €2.4M raised from Miton and angels
Founded by Lukáš Kovač; Miton is majority shareholder; ČNB payment-institution licence; 4M+ payments worth CZK 1.5bn in 2024; cumulative tips of CZK 160M; launched supplier QR payments for pubs
- https://www.e15.cz/byznys/finance-a-bankovnictvi/qerko-diky-licenci-cnb-miri-do-evropy-prekonalo-metu-milionu-uzivatelu-a-spousti-gastromapu-1419167
- https://cc.cz/otevreni-restauraci-opet-rozjelo-placeni-pres-qr-kody-cesky-startup-qerko-chyta-druhy-dech-a-nabira-15-milionu/
- https://www.qerko.com/