# Support for IRIS Instant Payments in Greece

_The information below is for guidance purposes only. Stripe cannot provide you with legal or tax advice. You should consult with your own legal or tax advisors regarding your specific obligations under Greek law._
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New legislation in Greece requires businesses to offer IRIS, a direct payment system, as a payment option to consumers. This mandate applies to legal entities and sole proprietors operating in Greece.
Stripe is helping merchants meet this requirement by supporting IRIS through our **Custom Payment Methods** integration.
## Compliance Deadline
**December 1, 2025** is the deadline for merchant compliance.
We recommend merchants prepare to meet this deadline to avoid potential penalties. While there are market discussions regarding potential extensions due to technical readiness in the banking sector, **no official postponement has been announced** by the authorities. Stripe will update this guidance if an official postponement is announced.
## How to accept IRIS on Stripe
To comply with the requirement to display IRIS at checkout, [integrate it as a Custom Payment Method](/questions/support-for-iris-instant-payments-in-greece#configure-cmpt).
Enabling Custom Payment Methods allows you to configure IRIS so it appears on your checkout page alongside cards and wallets.
## Merchant Responsibilities & Requirements
The liability for compliance sits with you, the merchant. To be fully compliant, you must meet the following criteria:
1. **Register your account:** You must declare the business bank account you use for IRIS payments to the Tax Authority (AADE).
1. **Visible checkout:** The IRIS payment option must be clearly visible on your checkout page, such as using a QR code or redirect.
1. **Invoicing (myDATA):** You must ensure that every IRIS payment triggers a receipt or invoice that's transmitted to the myDATA platform, similar to how you handle card payments.
## Frequently Asked Questions
### Who's required to comply with this mandate?
The law applies to all legal entities and sole proprietors operating in Greece. While the text of the law doesn't strictly distinguish between Greek and foreign entities, practically, the obligation is expected to focus on merchants with a Greek VAT number or permanent establishment.
If you're a foreign merchant selling to Greece, we recommend checking with your tax advisor.
### What are the penalties for non-compliance?
The fine for failing to accept IRIS payments is €1,500. It's possible that there may be further fines for failing to remediate.
### Do I need to connect my Stripe integration to a physical POS system?
Generally, no. The requirements for interconnecting IRIS with physical Point of Sale (POS) systems apply to in-person transactions. Merchants operating purely in e-commerce (online transactions) are currently exempt from the obligation to connect e-POS systems with Fiscal Electronic Mechanisms (FIMs).
### Does Stripe handle the tax reporting for these payments?
No. As a Payment Service Provider (PSP) operating in this context, Stripe isn't required to submit compliance declarations on your behalf. Reporting your account and transmitting transaction data to myDATA remains the responsibility of the merchant.
## Configure IRIS as a custom payment method type in Dashboard.
1. In Dashboard, navigate to [Custom payment methods](https://dashboard.stripe.com/settings/custom_payment_methods).
1. Click **Create custom payment method** and select **Provide a custom name and icon**.
1. Set a display name and upload a logo. Make sure it aligns with our [marks policy](https://docs.stripe.com/payments/payment-methods/custom-payment-methods#marks-requirements). PaymentMethod API response bodies contain the custom payment method type's display name and logo image URL.
1. Agree to [terms and conditions](https://docs.stripe.com/payments/payment-methods/custom-payment-methods#compliance) and click **Create**.
1. You'll need the custom payment method ID. This begins with `cpmt_`.
   * You can also find the custom payment method ID from the Dashboard under **Settings** > **Patments** > **Custom payment methods**.
1. Create custom payment methods with the [Create a PaymentMethod API](https://docs.stripe.com/api/payment_methods/create?rds=1#create_payment_method-custom) by passing the `cpmt_` ID for `custom[type]`.
1. Use the resulting **PaymentMethod** ID to [retrieve](https://docs.stripe.com/api/payment_methods/retrieve), [update](https://docs.stripe.com/api/payment_methods/update), and [attach](https://docs.stripe.com/api/payment_methods/attach).
1. To list custom payment methods, use the [List PaymentMethods](https://docs.stripe.com/api/payment_methods/list) or [List a Customer's PaymentMethods](https://docs.stripe.com/api/payment_methods/customer_list) APIs with **type** set to **custom**.
## Further integrations
See [Custom payment methods in Payment Element](https://docs.stripe.com/payments/payment-element/custom-payment-methods) to for how to display the custom payment method in a unified checkout.
See [Integrate with third-party payment processors](https://docs.stripe.com/billing/subscriptions/third-party-payment-processing) for how to use custom payment methods to report payments, create subscriptions, and automatically charge with Stripe Billing.