With the expansion of IRIS Commerce, which has no transaction amount limit, IRIS instant payments are now truly available everywhere: in physical stores, across e-shops, in peer-to-peer transactions, and in payments to professionals and public-sector entities, creating a unified payment experience.

With this new milestone, Greece becomes the first country in Europe to achieve universal acceptance of Account-to-Account (A2A) instant payments at every point of sale. At the same time, IRIS adoption is reaching record levels: 120 million IRIS transactions are expected in 2025, with a total value of €11 billion, alongside 4.2 million registered users of the Person to Person service (IRIS P2P), 580,000 self-employed professionals registered in the Person to Professionals service (IRIS P2Pro), and full availability across all POS terminals and e-shops through IRIS Commerce.

The implementation of “IRIS Everywhere” was completed within a short timeframe, during one of the most demanding project cycles for electronic payments in Greece. It is the result of close collaboration between DIAS and all pillars of the payments ecosystem - the State, banks, payment service providers, acquirers, and technology & ERP solution providers.

“As of December 1st, Greece has, for the first time, a unified national instant payments solution available at every point of interaction.
The rollout of IRIS Commerce across all physical and online points of sale marks an important step for the economy, businesses and citizens, and represents a highly collaborative effort across the entire payments ecosystem.
With Greece now shaping one of the most advanced instant payments markets in Europe, in 2026 we move to the next major step: connecting, in the first phase, IRIS P2P with the EuroPA European network, enabling Greek users to make instant payments just as easily, reliably and cross-border across Europe.
At DIAS, together with banks and PSPs, we remain committed to our mission: providing secure, intuitive and reliable payments for all,” said Stavroula Kampouridou, CEO of DIAS.

IRIS P2Pro & IRIS Commerce: Two complementary IRIS instant payment services for different market needs

IRIS includes different services for professionals and businesses, each designed with a distinct use case and purpose. To clarify: IRIS P2Pro enables payments to self-employed professionals and sole proprietors. Payments are initiated by the customer through mobile banking, using the professional’s mobile number, QR code, or tax identification number (AFM). No POS device is required - only the professional’s registration in the service through their mobile banking app.

By contrast, IRIS Commerce is designed for businesses with legal entity status and supports payments both at physical points of sale (via POS) and in e-commerce via IRIS checkout. With POS upgrades by acquirers, businesses will soon be able to accept IRIS payments and card payments through the same device, offering customers an additional instant, secure electronic payment option.